-
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…
-
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…
-
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…
-
Who Pays For Your Neighbor’s Fallen Tree?
Do you know who pays if your neighbor’s tree falls and hits your home? A storm rolls through the area and your neighbor’s tree falls into your yard and hits your house. While you immediately jump into action to prevent further damage, one question keeps coming up, whose Homeowners Insurance is responsible for this claim,…
-
Named Peril or All Risk Insurance – What’s the Difference?
You’ve likely heard about Named Peril or All Risk Insurance, but what’s the difference and which provides you the coverage you need? Insurance is incredibly confusing for the average consumer, often leaving them stressed over what insurance coverages they need, and what is and is not covered by the policy they are being quoted. For…
-
Does your relationship impact your insurance needs?
When you’re in a relationship, insurance is probably the last thing on your mind, but should it be? With Valentine’s Day smack dab in the middle of the month and stores full of candy, flowers, and cards, the last thing on your mind is likely whether your relationship affects your insurance needs or not. What…
-
Does my Home Insurance cover Roof Leaks?
Did you recently discover a roof leak and are wondering if it’s covered by your insurance? The damage caused by a roof leak can be sudden and significant, often affecting multiple rooms and even floors! It’s no wonder that one of the first questions asked by homeowners after discovering a roof leak is whether this…
-
Is There a Link Between Insurance Claims and Customer Retention?
When a customer suffers an Insurance Claim, what exactly happens? Does the claim go smoothly? Does the customer stay with that Insurance Company and / or Agent? Most Insurance Agents are well aware of the cost cutting changes made to Claims Handling by most Insurance Companies throughout the years. These changes include the elimination of…
-
How Can Asbestos Impact Your Water Damage Claim?
Running across Asbestos can be a stumbling block for most water mitigation companies. At Disaster Blaster, we are Indoor Restoration Experts and are licensed to handle Asbestos and other unforeseen issues that may arise. You’ve just suffered a pipe break, or maybe a hot water heater rupture; and you want to get the Water cleaned…
-
How is Flooding Different from Water Damage?
Flooding is a tremendously catastrophic event for any homeowner, but do you know how it is different from a Water Damage? Flooding is a tremendously catastrophic event for any homeowner, so it’s not surprising that they want to attempt to get everything put back together as quickly as possible. As these damages were the result…