As you likely already know, the proper handling of your insurance claim process is paramount to your financial recovery. You’ll want to familiarize yourself with the insurance policy, understand your rights and responsibilities, and appraise and document all your losses to file your claim and...
Summer is in full swing, which means hotter temperatures, longer nights, and more social gatherings. And as you know, a big part of summer gatherings includes grilling out, be it with a gas or charcoal grill or even over an open fire. But with fire,...
The arrival of the summer season brings its own troubles―one being the uptick in summer storms. While tornadoes are common in the months of May and June, hurricane season runs June through November. But summer storms can occur all summer! With these high-wind storms comes...
You’ve just experienced a house fire that has destroyed everything. You’re likely thinking, “now what?” Well, the first steps are simple. If you haven’t already, call 911. Let your friends and family know that you’re safe and seek medical help if needed. Remember: stay out...
Replacement Cost VS. Actual Cash Value - What Does it Mean? Experiencing any type of catastrophic loss, no matter the size, can be beyond daunting and overwhelming. Whether your house has burnt to the ground and nothing remains, or your hot water tank flooded your basement,...
Due to an increase in "cosmetic" claims in recent years, many insurance companies have elected to add endorsements to both homeowner and commercial policies excluding coverage on these types of claims. They do this in order to keep the cost of insurance premiums down. An endorsement...
Most homeowners have only a vague idea about what their insurance policy covers. In a way, it makes sense, as no one likes to dwell on unlikely future disasters and the misfortunes they could bring. But, when disaster strikes, this puts many in a precarious...
Insurance claim disputes are fairly common. Most homeowners discover that often insurance companies offer settlements way below what they expected or consider fair. For a small property loss claim, it may not make much sense to go to great lengths to get what you think it’s...
What You Need to Know about Additional Living Expense and Loss of Use Coverage Most homeowner insurance policies provide coverage for additional living expenses (ALE) incurred as the result of a covered peril. ALE coverage reimburses the policyholder for expenses that are above normal household living...
A property loss can turn your life upside down. Losing a home and possessions to a fire, flood and another disaster can be emotionally and financially devastating to any family. Still, right away, you have to invest your time and energy into preparing and filing...