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The Proof of Loss
Best practices to complete a proof of loss.
Assessment Coverage
Assessment coverage for townhome and condo coverage.
Unit Owner Coverages
Unit Owner Coverages If you are a townhome or condominium unit owner that has sustained property damage your insurance policy will include numerous kinds of coverage. These policies are often referred to in the insurance industry as HO-6 policies. The following is an...
The Insurance Appraisal
Appraisal is an out-of-court dispute resolution process that resolves the amount of loss with finality. You can think of an appraisal as being like arbitration. In fact, in two of the three states where I am licensed the rules that govern the fairness of arbitration also apply…
Understanding the Cooperation Clause
Insured property owners have a duty to cooperate with an insurance company’s investigation of a claim as outlined in their policy. Often referred to as the cooperation clause because it helps property owners understand how they must cooperate with an insurer....
What Is An Examination Under Oath?
What Is An Examination Under Oath? An examination under oath, or EUO, is an insurance company’s opportunity to learn more about you and your claim. Property owners are required to sit for an examination under oath under the terms…
The Claims Process 101
Insurance claims are a process and are not always quick and easy. The following is an overview of the claims process and how it unfolds. The claim After property damage due to hail, wind, fire or water, property owners must contact their insurer to make a claim....
What is a Public Adjuster?
A public adjuster represents insured property owners -- not insurance agencies. A public adjuster is a skilled professional who should know how to investigate the scope of an insurance claim, and then negotiate a fair adjustment with the insurance company. In...