Sunday, December 27, 2015

Direct Claim vs Indirect Claims

When hail season is upon us, there are DIRECT and INDIRECT claims that seem to crop up.  A direct claim is hail impacting 1/4 or 1/2 of siding on home; however, not impacting the other 1/2 of home. READ MORE >>

Wednesday, August 5, 2015

Is Mold covered by homeowner policy?

A recent homeowner experienced mold in the attic.  The question any insurance claims office will ask/look for when visit the site is WHERE did the mold come from/HOW did mold get to where it is? READ MORE >>

Saturday, January 17, 2015

Sewer line collapse from home to the street

If a sewer line, extending from house to the street, collapses due to settling or tree roots is this type of loss covered by a homeowner policy?  Unfortunately, typically the answer is NO. READ MORE >>