Civil Authority Coverage

CIVIL AUTHORITY INSURANCE COVERAGE A hot topic is insurance coverage for property closed due to a stay-at-home or safer-at-home order.  Every article on this subject I have read concludes that “it depends on how the policy reads”, which is an accurate but unsatisfying...

The Proof of Loss

The Proof of Loss What is a Proof of Loss? A proof of loss is a document an insured property owner signs, under oath and before a notary public, that states the amount of the claim.  The document states the amount of money the insured property owner believes the...

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...