Tuesday, December 19, 2023

Vacation Tip before leaving home

Before heading off on a vacation do yourself and the insurance companies a favor and turn your water off at the source.  Many homeowner water claims occur from broken pipes, such as:  wat... READ MORE >>

Wednesday, March 30, 2022

my car is totaled, now what?

When a car is severely damaged, it can take 30 days or so before a car is deemed a total loss. The insurance companies have a process; unfortunately, it can take 30 or more days. READ MORE >>

Saturday, November 28, 2020

What happens when a car is totaled in accident

When your car is totaled by your or the other insurance company it can be frustrating.  The insurance companies are only required to give you the current value of your car minus any prior damage and your deductible. READ MORE >>

Tuesday, August 20, 2019

Interior water damage with homeowner policies

When I hear water claims I cringe simply because there are covered and non-covered water damage claims.   I am referring to homeowner policies and using a common example, the company claims adjusters are much more tuned in on the issues. READ MORE >>

Wednesday, April 24, 2019

My tree hits your home, who pays?

With the spring in full motion in Midwest this 2019, I can bet there will be a a few calls about trees.   The way it works in insurance, if a tree falls on a home/fence/structure from a s... READ MORE >>

Tuesday, January 15, 2019

Winter Tip on chimneys

Winter has come across the nation and that means fires in fireplace.  I have a couple fires a month in my fireplace.   I try and clean out the ashes a few days later and reset wood, sticks and paper for the next fire. READ MORE >>

Tuesday, May 15, 2018

Hail claim to roof

In Missouri, most home insurance companies will only pay to replace an entire roof if there is enough hail evidence to entire roof.  It's very possible a home could require and entire new roof while a neighbor only has minimal damage. READ MORE >>

Wednesday, July 12, 2017

Dogs and homeowner insurance

Recently I read trade magazine about why homeowners insurance exclude certain dog breeds.   Apparently 1/3 of all homeowner claims are dog related and an average claim is $33,000. 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 >>

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 >>