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The Great Insurance Dispute: Categories and Classifications of Water Damage

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 …

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When Does My Standard Homeowners Insurance Cover Water Damage?

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 …

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