After a flood disaster such as a hurricane, expect multiple visitors who will want to either assist you with aid or offer their services. It’s common for multiple visitors to perform damage assessments on your home. No matter who may be knocking, always ask for identification and the purpose of the visit. Never give out […]
If you asked homeowners to create a list of situations they hoped to never have to deal with at home, a sump pump failure would likely rank just underneath having a fire. Why? It’s a disaster. Typically, when a sump pump fails it causes water to backup into your home, sometimes bringing all kinds of […]
Coverage for water damage depends on the situation and the source. If the water damage is sudden, accidental and came from inside your home, you’re typically protected by a standard homeowners policy. But, if the water damage was caused by flooding from the outside of your home or by a neglected repair, you won’t be […]
Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason, as you are paying your premiums, you should take advantage of available coverage. The reality is, it is not always advisable to file a homeowners insurance claim as it can lead to higher premiums or even […]
The words “vacant home” can have a pretty negative connotation. You probably picture a decrepit house with boarded up windows in a dilapidated area that no one would touch with a 39 ½” pole. In reality, nice, normal homes go vacant every day. Occasionally, people may buy an empty house to fix it up and […]
A deductible is the amount of money a policyholder must pay out-of-pocket toward damages or a loss before their insurance company will pay for a claim. You do not actually pay your deductible to your insurance company like you would a premium or bill. If you file a claim and it is covered, the deductible […]
In many parts of the country, winter is accompanied by snow and ice. And ice can cause a lot of headaches for homeowners. According to the Insurance Information Institute (III), one in every 55 insured homes has a claim related to water damage or freezing every year. Typical homeowners insurance policies include protection against ice-related damage, […]
Most of the country is in some kind of a flood zone, a designation that indicates the area’s risk of flooding – some are just more severe than others. So, what does that mean for you as a homeowner? It means you are at risk of flooding, even if it hasn’t happened in your area […]
Most standard homeowners policies provide protection from water damage if the cause is sudden and accidental. According to the Insurance Information Institute, you’ll likely be protected if, for instance, your drywall is drenched after your water heater ruptures or an upstairs pipe bursts and water saturates the ceiling below. Homeowners insurance does not cover all […]
Experiencing a fire in your home can be devastating. But even if you have fire insurance, you may have trouble filing a claim for smoke damage in your home. If you’ve been frustrated by an insurance agency that’s refusing to pay for smoke damage, then we want to help. Here are some of the most important […]