Homeowner’s Insurance & Sewer Lines

Homeowner’s insurance covers the cost of fixing many of the problems that can arise in an aging home. It may cover water damage caused by a leaky roof, damage to interior pipes that burst due to age or poor insulation, and fire damage caused by faulty electrical wiring. While every policy is different, most homeowner’s […]

A Few Insurance Tips

Recently, I received a call from a couple who had a break in the stack pipe which caused water damage on the first floor and in the basement.  They contacted their insurance company, who explained that they didn’t want anything touched until their adjuster saw the damage after the home owner refused to hire one […]

Dogs & Insurance

Up to 47% of American households have a dog, and for insurance companies, these households represent a risk. In 2013, homeowners insurance policies paid out some $483 million in dog bite liability claims. Obviously, insurance companies would rather not be shelling out hundreds of millions of dollars over dog bites. But what are they doing to […]

Checking A Contractors Insurance

Home owners looking for a contractor make a major mistake when checking a contractor’s insurance.  I see between 400 to 500 projects per year and meet many potential clients and home owners.  And although most home owners understand the risk of allowing a contractor to perform work on your property without having insurance, many never […]

Top 10 Tips When Filing a Fire Loss – Part 2

In continuing our blog on Filing a Fire Claim, here’s the last five… Keep Track of Your Living Expenses While displaced from your home, you will get reimbursed for living expenses because of a clause in your policy called, “loss of use.”  Note, however, that you are only entitled to the difference between what it […]

Flood vs. Water Damage

Many people who experience a water loss never know what’s covered until it’s too late.  Many are completely unaware that water damage losses are completely different than flood losses. There basically are two insurance policies that deal with a homeowner’s damage due to water — a flood insurance policy and a homeowners insurance policy. Losses […]

Checking A Contractors Insurance

Home owners looking for a contractor make a major mistake when checking a contractor’s insurance.  I see between 400 to 500 projects per year and meet many potential clients and home owners.  And although most home owners understand the risk of allowing a contractor to perform work on your property without having insurance, many never […]