In the past few decades, homeowners insurance products have evolved a great deal to incorporate various elements of property ownership, including detached structures such as garages. However, like any specific insurance policy, you have to know the specifics. For instance, are you compensated if a storm damages your garage door? This article by our homeowners insurance […]
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, […]
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 […]
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. […]
Filing a claim on your homeowner’s insurance policy can sometimes result in higher insurance premiums. But will a denied claim impact your rates? Insurance Claim HQ can help if your homeowners insurance claim was denied. Contact us to let us know if we can assist with moving your claim and your home’s repairs forward. Can a […]