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Common Holiday Homeowner's Insurance Claims The holiday season is often a time for joy and happiness, but it can also be a time for accidents, damages, and unexpected losses. For homeowners, this can mean filing an insurance claim to help cover the costs of repairs or replacements. However, not all insurance claims are created equal, and some are more common than others. In this blog post, we'll discuss some of the most common holiday homeowner's insurance claims and what you can do to prevent them. &...
Watch Out for These Signs of Issues With Your Insurance Claim When we purchase insurance, we do so with the intention of having protection when something goes wrong. Whether it be a car accident, a flood, or a house fire, we expect our insurance companies to be there for us when we need them the most. Unfortunately, this is not always the case. Sometimes, issues can arise during the insurance claim process that can make receiving compensation for damages difficult or even impossible. Therefore, it's essential to watch out for signs ...
Understanding the Challenges You May Face with Your Insurance Company Insurance is a fundamental requirement for any individual, homeowner, or commercial property owner. It serves as a safety net that provides financial assistance when things go wrong. In an ideal world, insurance companies would be responsive, efficient, and effective in handling claims. However, the reality can be starkly different. Dealing with insurance companies can be a daunting process. Customers, consumers, and policyholders often face unexpected challenges when making ...
Understanding the Assignment of Benefits in Insurance Claims As a policyholder, you expect your insurance claim to be settled smoothly and without any complications. However, you may come across some unfamiliar terms and phrases such as Assignment of Benefits (AOB). The Assignment of Benefits can be a bit confusing to understand if you’re not familiar with the insurance industry. In this blog, we will demystify this term and how it affects your insurance claims. The Assignment of Benefits is a document that allows a thir...
What Happens When I File a Claim? Life can be unpredictable, and we never really know when an unexpected event might occur. From natural disasters to accidents, there are many reasons why we might need to file an insurance claim. But what actually happens when we make that call or click that button to initiate the process? In this blog post, we'll break down what happens when you file a claim, so that you can feel more confident about navigating the process. 1. Contact Your Ins...
Reasons Why Your Storm Damage Claim Got Denied Storms can cause a tremendous amount of damage to your property. Not only do they put your safety at risk, but they can also leave you with costly repairs. This is why having homeowners insurance is essential. But sometimes, despite having insurance coverage, storm damage claims get denied. It can be frustrating not to receive compensation when you thought you had coverage. In this blog post, we’ll discuss some common reasons why storm damage claims get denied, so you c...
Common Causes of Damage That Aren't Covered by Insurance One of the most important things to understand when it comes to insurance claims is what is covered and what is not. Many people wrongly assume that all types of damage are covered by their insurance policies. Unfortunately, that is not always the case. In this blog post, we'll discuss some of the common causes of damage that may not be covered by insurance. We'll also give you some tips on how to avoid these types of damage and protect your property. ...
Replacement Value and Depreciated Value for Property Damage Whether it’s your home or personal belongings, property damage can be a frustrating and costly experience. When filing an insurance claim, it’s important to know the difference between replacement value and depreciated value for your damaged property. Understanding this difference can make a significant impact on how much money you receive from your insurance company. In this blog post, we will discuss the difference between replacement value and depreciated value...
Mitigate Damage After a House Fire: Tips for Recovery A house fire is one of the most devastating and traumatic incidents that can happen to any homeowner. The destructive flames, smoke, and heat can cause extensive damage and destruction to a home in mere seconds. What’s more, the aftermath of a fire has a significant impact on the physical and emotional well-being of everyone affected. In case of a house fire, it’s crucial to take immediate steps to mitigate the damage and start the recovery process. In this articl...
What to Do When Your Homeowners Insurance Company Won't Pay Every homeowner dreads the possibility of filing a claim with their insurance company after suffering a loss. Insurance is supposed to give you peace of mind, but what happens when it becomes a nightmare? Unfortunately, many homeowners face this problem. They file a claim only to find that their insurance company will not pay for the damages. The good news is, there are steps you can take if this happens to you. In this post, we will discuss what you can do when your homeowne...