Do I have an ACV policy?

Insurance companies sometimes pull a surprise.  They tell an insured customer that their policy only covers the actual cash value, not the replacement cost value, of the property.  It’s an unpleasant surprise, but as always, the last word on whether the insurer is...

Is All Property Insurance The Same?

I fear that consumers of property insurance believe all coverage is the same, which is why there is such a focus on the cost of premiums.  The focus on cost seems to drive decision-making when considering an insurance company.  I recently heard someone say the reason...

What Makes a Good Contractor?

WHAT MAKES A GOOD CONTRACTOR? Property owners with damage to be repaired need to find a quality contractor.  Yet most property owners are not regularly consumers of construction services.  The following is a framework for finding a quality contractor to handle storm,...