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 […]
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 […]
Having a water loss in your home is something no one ever wants to think about it. But when it does happen, it’s better to be prepared then to be caught off guard. Here’s a short list of things to do when you have a water damage loss: Quickly report the claim. You can file […]
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 […]
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 […]
On a recent inspection of a property that had sustained extensive water damage from a broken pipe on the second floor, the owner called us with some concerns. He had hired another Water Restoration Company at the urging of his insurance company, and felt that the job was not being completed like it should. They […]
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 […]