Insurance Claim Denied! Now What?

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After so many years of paying premiums, finding out the insurance company won’t be paying for damages when you need it the most is extremely disappointing. But a denial of your claim does not have to be the end of the road. Many of the claims that are initially denied can be reversed, but only if you […]

Understanding your homeowners policy

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Reading a homeowners insurance policy for the first time can be intimidating. With all the jargon, exclusions, and conditions you’ll encounter, you may start thinking that Mom was right–you should have gone to law school after all. Nevertheless, all homeowners policies share certain common elements and follow a recognizable design. Once you understand the roadmap, […]

Beware of Option To Repair or Managed Repair Homeowners Policies!

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Collier County homeowner: Insurance company ruined my house GOLDEN GATE, Fla. – A father of five says his family has been living in cramped conditions for almost a year because his insurance company has taken months to fix his home. Steve Harts, who lives just outside of Golden Gate, said a storm in January knocked […]

What Is Covered by Standard Homeowners Insurance?

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Most standard homeowners insurance policies include four essential types of coverage: Coverage for the structure of your home Coverage for your personal belongings Liability protection Additional living expenses if you are temporarily unable to live in your home because of an insured disaster 1. The Structure of Your House Your homeowners policy pays to repair […]

Why Use a Public Adjuster

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Why Use a Public Adjuster and When Does it Make Sense? While you may be familiar with insurance claims adjusters and what they do, you may not realize that policyholder-specific assistance is available from a public insurance adjuster. Working with a public adjuster could make a big difference in how much you collect from your […]

Water Damage. Covered or Not?

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For many homeowners, the fear of discovering water damage somewhere in their home is among their top concerns. This is because water damage can happen quickly, and can be expensive and challenging to fix. Most homeowners assume that because water damage is commonplace, that it is covered as part of their homeowner’s insurance coverage. However, […]