When is a claim covered by homeowners insurance? Homeowners insurance policies breakdown coverage’s and exclusions and will vary in wording but the general term you want to remember that usually makes or breaks your claims is: Sudden and Accidental. By definition, sudden and accidental damage means that whatever has happened should not have been … More Ready To Open A Homeowners Insurance Claim? Sudden and Accidental vs. Gradual and Over Time.
In 2012 Hurricane Sandy affected 24 states, with particularly severe damage in New Jersey and New York. Damage in the United States amounted to $71.4 billion. 3 years later in 2015 60 minutes correspondent Sharyn Alfonsi interviews Brad Kieserman, FEMA Deputy Associate Administrator for Insurance, regarding evidence of fraud in Hurricane Sandy insurance reports. Every … More Homeowners Insurance Claim Denied? Insurance Companies Utilizing Puppets.
Are You Hiring The Right Professional For Your Property Damage Claim? It’s 2 AM and you suddenly wake up to a screeching smoke alarm, you jump out of bed and grab your cell phone and dial 911 at the same time yelling for your family to get out of the home as the smoke gets … More Property Damage “Loss Consultants”, The Great Imposters.
Every year the Florida Department of Insurance receives and processes thousands of individual complaints from policyholders against their homeowners’ insurance company. The complaints vary from improper denial or delay in the settlement of a claim. Illegal cancellation or termination of an insurance policy and misrepresentation by an agent and problems regarding insurance premiums and rates. … More Your Homeowners’ Insurance Company Not Playing By The Rules?
What is the insured (YOU) entitled to after damage to your home? Do you know? Do you even have a clue? It wouldn’t surprise me if you didn’t. Most people don’t. You see, insurance companies don’t want you to know, that’s why your property policy doesn’t come with a manual breaking down your coverage. … More The ABC’s Of A Property Damage Claim
According to FEMA: A fire will change your life in many ways. Knowing where to begin and who can help you is important. What to Expect: A fire in a home can cause serious damage. The building and many of the things in your home may have been badly damaged by flames, heat, smoke … More After the Fire! Returning to Normal.
In today’s hustle and bustle most people never take the time to think about the what if’s. Let alone take the time to prepare for the what if’s. The what if’s I’m referring to are the unforeseen disasters that homeowners believe they are insured for but will never happen to them. Then disaster does strike … More 4 “Iron Clad” Steps For Documenting Your Home’s Contents.
You’ve seen the insurance companies’ commercials; most are straight out of a Hollywood fantasy script. They lure consumers with feel good, family friendly advertising. Promising to take care of you, your family and your property when you need it most, making you feel as if you are not just a client but a member … More “I’m gonna make him an offer he can’t refuse”
According to the CDC: Mold is found both indoors and outdoors. Mold can enter your home through open doorways, windows, vents, and heating and air conditioning systems. Mold in the air outside can also attach itself to clothing, shoes, bags, and pets can and be carried indoors. Mold will grow in places with a … More Flu symptoms? That cold could be mold!
If I was to ask you, as a homeowner what is your biggest financial investment? It wouldn’t surprise me if your response would be your home. Yet, I’m willing to bet that you take better care of your car, boat or even your computer by having routine maintenance performed on these properties, while your … More Has Your Home Been Inspected? “Check Engine Light On”