For an insurance carrier to accept responsibility for a loss, it must classify as a “covered peril” under an HO3 policy.  Most policies cover: fire or lightning; windstorm or hail; an explosion; riot or civil commotion; damaged caused by aircraft; damage caused by vehicles; smoke; vandalism or malicious mischief; theft; volcanic eruption; falling objects; weight of ice, snow or sleet; accidental overflow of water from within a plumbing, [...]

Do you own a house with cast iron pipes?  If you are unsure of the answer, educate yourself.  Cast iron pipes were used in the 60’s and 70’s and have a life expectancy of 25-30 years, depending on how much they are used.  For a family of two, maybe they last a bit longer.  But for families of 5, life expectancy may for cast iron pipes may be [...]

As a Public Adjuster, one of my jobs is to educate the coverages of an insurance policy and help the insured recover the proper claim value after a covered loss.  Regardless of your insurance carrier, homeowner (HO3) policies can be broken down into the following coverages: Dwelling Coverage: this is the amount of insurance on the home itself – everything that is physically part of the structure.  This [...]

Your homeowner’s insurance deductible is the amount of money you, the insured, are responsible for paying toward each claim loss.  In most cases it is not expected for the insured to come out of pocket for the deductible; it will be deducted from the amount the carrier estimates for the total claim loss.  It is a way the risk is shared between the carrier and the insured.  Deductibles [...]

Outside of when we need it, most of us would probably like to pretend that insurance doesn’t exist. The world of insurance can be murky and confusing to the average person. Further, it’s entirely normal to have no idea what goes into the process of keeping you safe and protected. In the event that a disaster causes damage to your property, though, you’re going to contact your insurance [...]

Public insurance adjusters are independent insurance professionals. Their sole priority is to advocate for you, your family, and your property in the unfortunate event that you’re required to make a claim with your insurance company. They’re the only property loss professionals who will work on your behalf rather than on the behalf of your insurance company. Many policyholders are unaware of the option to leverage a public insurance [...]

Have you suffered damage to your home? Do you need help understanding and adjusting your insurance claim? A public insurance adjuster can help you obtain the most money possible for the damage done to your home. Further, as a homeowner, under large amounts of stress, you may not have the knowledge, expertise, time, or even the energy to handle such a complex claim. Here are just a few [...]