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 […]
Solar panels may lower electric bills, increase property value, and reduce carbon emissions. But the costs of installing solar panels can be substantial, depending on the size of your home and your energy needs. You want to make sure your investment is protected. If your solar panels are damaged, they may or may not be […]
When strong winds, hail, or other types of severe weather hit, your home’s siding may sustain damage. Not only can this affect the aesthetic appeal of your home, but it can also cause further problems if left unrepaired. If you’re wondering whether your homeowners insurance covers siding damage, the homeowners insurance claim attorneys at Insurance Claim HQ […]
Hailstorms can strike at any time and cause damage to homes and other property. Often, there’s nothing you can do to prepare for it. The unpredictable nature of such damage is one of the main reasons to have insurance. But unfortunately for some, insurance companies that should be focused on holding up their end of […]
When dealing with water damage in your home, it’s essential to understand the difference between a sewer backup and an overflow. Insurance companies are particular about these terms, as they directly affect your coverage and potential claim. The homeowners insurance claim attorneys at Insurance Claim HQ will help you understand sewer backups and overflows and how they […]
When a neighbor’s tree falls on your house, it can be a stressful and challenging situation to deal with. You may be wondering whose insurance pays for the fallen tree’s removal and your home’s repairs. The answer depends on a few factors, including the state you live in and whether the tree was maintained properly. […]