Whenever you file a home insurance claim, in most cases, the only thing that stands between you and compensation is the investigation by your insurance company. You do your part by filing the claim, and as such, the insurance company should promptly investigate the matter and provide a fair resolution. However, there are instances where […]
The impact on your home following a destructive hurricane can leave you feeling overwhelmed and faced with numerous challenges, emotionally and financially. It becomes crucial to be prepared for such an event. These steps will help you find suitable temporary living arrangements and start the process of rebuilding your home. If you or a loved […]
According to the Energy Information Administration (EIA), gas utilities are essential to many homes in Louisiana, with approximately one in three households relying on natural gas. During hurricanes, it’s important to understand the safety measures related to gas lines. While underground gas lines are generally safe during hurricanes, they are not indestructible, especially regarding the impact of […]
In the event that you have property damaged or stolen due to a robbery or natural disaster, your homeowners insurance policy may cover replacement for some, or even all, of your lost property. Receiving compensation for lost or stolen property will require you to file a claim with your insurance company, and you may even […]
Louisiana is not a matching line of sight state. States with this provision require insurers to replace damaged property with materials of similar quality, color, and texture to ensure the repaired or replaced property matches the rest of the building. Because Louisiana has no matching statutes, homeowners insurance policies may not include this provision. Additionally, […]
House fires are common in the US and affect around 358,500 homes annually. Issues like faulty heating equipment and electrical issues often cause these disasters. Many fire insurance claims are denied each year, and some policy providers use bad faith tactics to do that. Read on to learn what bad faith tactics are and everyday examples. Reasons […]
The duties between you and homeowners’ insurance, as far as your property damage claims are concerned, are detailed in your policy. But what about third-party claims? What happens when someone sues you for damage they claim was caused by a dangerous condition on your property? Does the insurance company have a duty to defend you? […]
Loss history reports are one tool insurance companies use when evaluating the risk posed to an insurance company through offering homeowners insurance. Loss history reports contain detailed accounts of losses and claims made on the homeowners insurance policy that typically occurred five to seven years back. Understanding how loss history reports work can empower homeowners to know […]
Water damage from backed-up sewer and plumbing systems affects thousands of homes each day. Luckily, you can cover yourself and your home from the aftermath of a backup and subsequent damage using water backup coverage. The homeowners insurance claim attorneys at Insurance Claim HQ know that water backups can be challenging to make claims around, and we […]
A prolonged power outage may leave you with a refrigerator full of rotting food, saddling you with huge losses. It may leave you wondering, does homeowners insurance cover spoiled food from a power outage? Homeowners insurance may reimburse you for the cost of the spoiled food, but only if the policy covers the root cause […]