While the extent of your homeowners coverage can dominate the way you view your insurance claim, the extent of damage can be just as relevant. When it comes to determining the scope of loss, the nature of the damage and the pragmatic tools needed to fix it are considered. In other words, it’s been accepted […]
Whenever a matter involves two parties and a lot of money, disputes are inevitable. When it comes to insurance claims, appraisals are used to objectively determine how much it would cost to replace damaged items or to restore damaged homes. As the insured, this may be a route you wish to take, or it may […]
Wind is a duplicitous enemy in that it brews in both dry, dusty, tornado-breeding climates, as well as damp, balmy hurricane zones. As a result, whether you live in the Gulf Coast, East Coast, or Kansas, it is wise to brush up on wind damage protocol. While your first instinct at the dissipation of growling […]
It may sound like a bad thing if a key player in your insurance claim is disinterested. Understandably, you may be a bit disinterested in the process yourself. However, disinterested is right where you want your appraiser to be. Appraisal can be an important part of the claims process if you and an attorney are […]
Because insurance isn’t complicated enough already, when it comes to adjusters, there are a number of kinds operating under a number of ambiguous labels. Much like the language of the policies themselves, adjusters’ titles can be misleading. First and foremost, there is the traditional insurance adjuster. These folks are fixtures of a single insurance company, […]
The scope of property casualty claims truly runs the gambit. From contents claims after a burglary to hopes for policy limits after a devastating fire, homeowners and flood insurance policies address issues big and small. One big kind of claim that often goes unnoticed involves damage to the foundation and structure of your home. While […]
Who is at risk of becoming a flood victim? Chances are, the answer is not necessarily mapped out by the Federal Emergency Management Agency. FEMA created designated maps that are supposed to indicate which homes are at risk of being subjected to flooding, and to what degree. These maps, in theory, are based off a […]
While your insurance company is often pegged as the bad guy when your homeowners claim starts going awry, there is an overlooked enemy—predatory vendors. Ironically, third party companies and public adjusters may try to exploit the “we’ve got your back” narrative of insurance advertising. As suggested by their tendency to sell themselves as members of […]
While a hurricane may provide fair warning, a burst pipe can cause sudden water damage to your home. Within minutes, hundreds of gallons of water can infiltrate. Perhaps the most common reason for a burst is a frozen pipe. In extremely cold weather, pipes can freeze overnight and burst shortly thereafter. This issue is one […]
Homeowners and flood claims are never easy processes to navigate, particularly alone. Matters can only become more complicated when your claim meets extenuating circumstances. There is a lot that can happen with the status of your home over the course of an insurance claim. You may put your house up for sale and end up […]