January of 2025 saw some of the coldest temperatures in the Gulf Coast region in decades. According to data cited by NASA Earth Observatory, “temperatures plunged into the single digits in southern Texas and Louisiana.” For reference, the low temperature on January 22nd at the airport in Baton Rouge was just seven degrees Fahrenheit—the lowest […]
High winds can be incredibly destructive. When they reach tropical storm or hurricane levels, wind has the potential to cause extensive damage to homes and businesses. Many people have wind damage insurance to help them cover these types of losses. It is crucial that you understand how your wind damage insurance applies. At Insurance Claim […]
A serious emergency can happen when you least expect it. Property insurance exists, in large part, to help protect you and your family financially against the risk of emergencies. Every homeowner should have a comprehensive property insurance policy. Beyond that, you also need to develop an emergency preparedness plan to protect the health and safety […]
Hail can cause extreme damage—especially severe storms. As explained by the National Severe Storms Laboratory, “hail causes billions of dollars of damage to structures, crops and livestock.” Homeowners in the Gulf Coast region need to be ready for the risk of hail. You may be wondering how to prevent hail damage. There are some proactive steps […]
Unfortunately, home fires remain a serious risk. According to data from the National Fire Protection Association (NFPA), more than 350,000 residential properties in the United States sustain significant fire damage each year. Following a fire, you have the right to file a claim through your insurance policy. A fire damage claim should be paid in full […]
Climate change has created additional risks. According to a 2022 report cited by The Hill, approximately one in ten U.S. homes sustains some damage from natural disasters each year—and that number is widely expected to rise. Somewhat counterintuitively, climate change may impact the severity of winter storms in the United States, most notably in the Southeast. […]
Fire is one of the leading causes of property damage. The National Fire Protection Association (NFPA) reports that nearly 400,000 homes are damaged by fire in the United States each year. Many businesses are also destroyed each year due to fires. Even if your home or business is not a total loss—which it certainly might be—property restoration […]
Accidents happen. Natural disasters happen. Property can be damaged in many different ways. The primary reason why you have property insurance—and pay those expensive premiums every month—is to ensure that you have financial protection if something goes wrong. For that reason, it is especially stressful to deal with a denial of your claim. It is […]
Property insurance companies have a general responsibility to use good faith settlement practices. Broadly defined, this means that they have to honor the terms of the policy. After all, an insurance policy is a contract. Bad faith insurance practices have a serious negative long-term impact. At Insurance Claim HQ, we have extensive experience handling bad […]
Business interruption insurance can provide much-needed protection for companies during challenging times. The National Association of Insurance Commissioners (NAIC) explains that business interruption coverage is a type of insurance that lets companies cover certain fixed expenses while their premises are closed for repairs or otherwise disrupted due to a covered peril. Unfortunately, some companies struggle to get […]