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Common Mistakes Made When Filing Damage Claims

  Dealing with damage to your property can be stressful, especially if you don't know the right steps to take to file an insurance claim. Filing a damage claim is a complex process that requires a lot of attention to detail and can be intimidating, particularly if you've never been involved in such a situation before. However, there are some common mistakes that people make when they file damage claims, which can result in the rejection or reduction of their settlement....

Independent Adjuster Vs. Public Adjuster: Which One Do You Need?

  Dealing with an insurance claim can be a stressful experience. Not only do you have to navigate the complicated legal language of your insurance policy, but you also have to deal with the aftermath of an accident or natural disaster. That's where claims adjusters come in; they're the ones responsible for evaluating your claim and negotiating with your insurance company on your behalf. But with so many types of adjusters out there, it can be difficult to know which one...

Quick Tips for Tornado Claims: What to Do After a Devastating Storm

  Natural disasters are inevitable, and tornadoes are one of the most destructive ones in the US. Though we may have advanced warning systems, they can still cause massive destruction to properties and inflict incredible devastation to our lives. If you're unfortunate enough to have experienced a tornado, your next steps could dictate the slight difference between things getting better soon or being stuck in limbo with stalled insurance claims. In this blog post, we'll ...

What is a Proof of Loss Statement and Why is it Important?

If you’ve ever filed an insurance claim, you’ve likely heard of a Proof of Loss statement. This critical document is a formal declaration outlining the details of your loss and its value. An insurance company will require a Proof of Loss statement before it will issue a settlement. In this blog post, we’ll look more in-depth at what a Proof of Loss statement is, why it’s essential to your insurance claim and how to file one correctly to ensure your claim goes a...

Does Filing a Claim Increase Your Insurance Cost?

  Insurance costs can be a significant expense for most people, which is why it is important to understand the factors that affect your insurance premium. Filing a claim is one such factor that many people are concerned about. It can be confusing to determine whether filing a claim will increase your insurance costs. Here, we will explore whether filing a claim increases your insurance cost and what you need to know about it.   To answer the question di...

Top Reasons Why Roof Claims Are Denied

  Roof claims are a common occurrence for homeowners with insurance policies. And it's easy to understand why - the roof is an essential component of your home that needs continuous repair or replacement over time. But even if you have a policy that covers the cost of repairing or replacing your roof, you could still end up with your claim being denied. If you're wondering why this happens, read on to discover the top reasons why roof claims are denied.  ...

What's the Difference Between Replacement Cost and Actual Cash Value?

  One of the most important things to understand when filing an insurance claim is the difference between replacement cost and actual cash value. Many people assume that they mean the same thing, but they are actually two very different concepts that can have a big impact on your claim payout. In this blog post, we'll explain the difference between the two terms, and provide some guidance on which type of coverage is best for you. If you're in South Florida and looking ...

Was Your Home Insurance Claim Denied? Here's What to Do Next.

  Dealing with the aftermath of a disaster in your home can be one of the most challenging and stressful experiences. You rely on your home insurance policy to cover the damages related to natural disasters, water damage, fire damage, burglary, and other unforeseen events. However, insurance companies can deny claims for various reasons, and this can lead to financial distress, especially if the damages are substantial. But don't give up hope just yet. When your h...

What is a Total Loss? Exploring Fire Claims

During a fire, homeowners can lose all of their precious belongings and memories in a matter of minutes, and if the fire damage is severe enough, the insurance company may declare the home a total loss. The term "total loss" can be confusing for homeowners, but it is an important concept to understand. In this blog post, we will explain what total loss means in the context of fire claims, what factors insurance companies use to determine total loss, and how a total loss can ...

Does Homeowners Insurance Cover Slab Leaks?

  As a homeowner, you know that unexpected things can happen to your property. One such issue that can arise is a slab leak, which can be both inconvenient and costly to repair. However, if you have homeowners insurance, you may be wondering if this type of damage is covered under your policy. In this blog post, we’ll explore whether or not homeowners insurance covers slab leaks and what steps to take if you discover one.   1. Understanding What ...