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Does Homeowners Insurance cover Basement Flooding?
When your basement floods, will your Insurance Policy cover the mitigation and repairs? When something happens to your home, one of the first things most people do is contact their insurance company. Homeowners Insurance is there for damage that occurs to your home and it’s only reasonable to hope that your insurance policy will cover…
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Understanding the Insurance Company Check
Being confused when you receive a check from the insurance company is extremely common. Here we address some common questions and concerns! While receiving the check from your insurance company can be a huge relief to you, it can also create even more questions. What is this check for? Why does the amount not match…
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Tornado Damage and Insurance Tips
Tornado damage is incredibly emotional. Here are some tips for staying safe during a tornado and beginning the process of putting things back together once the skies clear. Storms often bring rain and high winds, but sometimes we unfortunately get something even more severe. Tornadoes can cause a level of destruction that our area is…
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Renters Insurance Frequently Asked Questions
Are you renting and have questions about Renters Insurance? Here are some answers to commonly asked questions! Renting can be a great opportunity for those who do not wish to become involved with the costs and labor typically associated to home ownership. After all your landlord should take care of things like upkeep and maintenance,…
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Understanding Your Deductible
Your Insurance Deductible is the amount that you are responsible for in the event that you suffer a claim, but there are many options to choose from. Here, we will go over some options that may be available to you. Your Insurance Deductible is the amount that you are responsible for in the event that…
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Common things that increase your Home Insurance rate
While finding out that your insurance premium has increased is never great news, sometimes there are things you can do to reduce the increase’s impact on you. For tips on doing this, we asked the experts! Many homeowners assume that their insurance premiums are calculated solely based upon the value of their home, but this…
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Does my Home Insurance cover Hurricane Damage?
Following a hurricane, homeowners rely on their home insurance to help them put things back together. But is hurricane damage covered? Hurricanes can be truly devastating. In their wake, they can leave significant wind damage, flooding, loss of utilities, and cause some areas to be inaccessible. When you’re able to return to your home following…
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Does My Home Insurance Cover Sewage Backups?
Did you suffer a sewage backup and aren’t sure if you’re covered? Sewage Backups are gross and hazardous to your health, so it’s easy to understand why the first thing on your mind is to get it cleaned up and deodorized! But is there coverage for sewage backup under your home insurance policy? Unlike things…
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What is Recoverable Depreciation?
We get more questions about Recoverable Depreciation than any other portion of the claims process, and we don’t blame you for being confused. What is it and how does it impact your claim? We get more questions about Recoverable Depreciation than any other portion of the claims process, and we don’t blame you for being…
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Actual Cash Value (ACV) or Replacement Cost – What’s the difference?
Whether your Insurance Policy allows for Actual Cash Value or Replacement Cost is likely to have a large impact on your claim. Do you know which you have? Insurance policies are confusing to most homeowners, full of complicated terms, coverages, and limitations. One of the most confusing distinctions for homeowners is the difference between Actual…