Monday, June 26, 2017Recently 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 >>
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Friday, February 26, 2016All standard homeowner policy forms including: homeowners, condominium, villa and renter policies have LIMITATIONS in the event of loss to jewelry. READ MORE >>
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Sunday, December 27, 2015When 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 >>
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Friday, November 27, 2015Earthquake 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 >>
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Wednesday, November 11, 2015Many 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 >>
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Thursday, October 29, 2015I 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 >>
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Wednesday, August 5, 2015A 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 >>
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Saturday, January 17, 2015If 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 >>
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