The reason why we are covering this subject is that it has some controversy associated with it. When it comes time to file a water damage claim, you will want to make sure you understand these categories. In some cases, you will find that the insurance adjuster or insurance company might try to re-categorize or …
The Great Insurance Dispute: Categories and Classifications of Water Damage Read More »
Did you know that a small fire can result in significant smoke damage? The resulting smoke damage will take a toll on your personal items. It will also cause unseen damage to your property’s structure, the cleanup of smoke and soot is time-sensitive. The smoke by-product can be toxic and acidic. Smoke effects each surface …
Did you just realize that you have a flood in your house? If the water damage didn’t happen at a moment’s notice and is considered “gradual damage,” it probably won’t be covered by your homeowner’s insurance policy. If the water landed on the ground and flowed into your home, that also isn’t covered. It is in …
Water Damage Not Covered By Most Insurance Policies Read More »
Do you think you might be looking at a meth contaminated house? Here are 10 signs a meth lab may have been present in a home: 1. Yellow discoloration on walls, drains, sinks, and showers. 2. Blue discoloration on valves of propane tanks and fire extinguishers. 3. Fire detectors that are removed–or taped off. …
To help you stay safe and enjoy seasonal delights, below are five common holiday hazards and tips on how to prevent home fires associated with each. 1. Christmas Tree Safety Why are Christmas trees such a hazard in the home? If Christmas trees are dry and brittle or artificial and flammable, it increases the potential …
Plumbing that leaks over time, can be costly and aren’t covered by your home insurance. You should check your plumbing every once in a while to make sure a leak isn’t happening right under your nose. If the insurance adjuster sees that you didn’t do preventive maintenance to your property, your water claim might not …
A standard homeowners insurance policy (aka HO3) will cover water damage to the home or personal property within the home only if it’s determined that the cause was sudden and came from inside the house. Certain weather-related perils that cause water damage may also be covered in a standard policy. Unless you have an open-peril …
When Does My Standard Homeowners Insurance Cover Water Damage? Read More »
An HO3 policy is a basic homeowner’s insurance policy. It’s basically just a contract between you and your insurer. You agree to pay a monthly fee, called a premium, and in return, they cover you and your property when things go wrong. Well, to some extent they do!! What is usually covered in an HO3 …