Tuesday, October 9, 2018

IDENTITY THEFT

This is a reminder to be extremely careful opening up any email attachments.  If you are unsure who the sender is then do not open any attachments or go to any links within the email. READ MORE >>

Monday, June 26, 2017

Children at college

Recently was asked, my child will be off to college in fall do I need a Renters policy or will my homeowner provide the protection.  As long as child is a full time student, away at college, they would have 10% of the homeowner policy of parents policy. READ MORE >>

Friday, February 26, 2016

Jewelry Coverage on Homeowner Policies

All standard homeowner policy forms including: homeowners, condominium, villa and renter policies have LIMITATIONS in the event of loss to jewelry. READ MORE >>

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 >>

Friday, November 27, 2015

Earthquake Insurance Coverage

Earthquake coverage can only be a covered loss if added onto your homeowner policy.  All standard homeowner policies EXCLUDE earthquake coverage; however, many insurance companies will allow t... READ MORE >>

Wednesday, November 11, 2015

Is Guarantee Rebuilding cost offered on Homeowner Insurance?

Many insurance companies have changed the wording on homeowner policies from Guarantee Replacement Cost to Extended Dwelling Coverage with a percentage such as 25%. READ MORE >>

Thursday, October 29, 2015

Why do homeowner losses cause increases and cancellation?

I have seen many insurance companies Non-Renew homeowner policy due to 2 small claims.  I advise is to not report a claim unless you know it's an expensive claim, such as a hail loss. 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 >>