The Compressor Died in August. Walter’s Insurer Never Sent an Adjuster, Because Mechanical Breakdown...
An air conditioning compressor died in August and Walter's homeowners insurer denied the claim outright. The reason is an exclusion most policyholders never read.
The Inspector Wrote “Structural Failure.” The Policy Wanted the Word “Abrupt,” and the Floor...
Her basement wall was bowing and cracking for years. Her insurer denied the claim because a wall that is still standing isn't a collapse under her policy.
The HOA charged every unit $8,500 to fix the building’s roof. Her condo insurance...
When a condo association levies a special assessment for a covered loss, your HO-6 policy pays only up to its loss assessment limit, often a default of just $1,000. Here is how to close that gap.
Your ALE Coverage Covers Temporary Housing, But Most Rebuilds Outlast the 12-Month Clock
Her insurer paid for the temporary apartment, the higher restaurant bill, and the pet boarding for 11 months. By month 12 the rebuild was still six weeks out and the ALE clock had stopped.
Your Home Is Worth 40% More to Rebuild Than It Was in 2019. Your...
Tom and Linda bought their home for $295,000 in 2017 and insured it accordingly. Six years later, a kitchen fire triggered a full rebuild estimate. Their policy covered $310,000. The actual cost was $489,000.
A kitchen fire destroyed everything the Reyes family owned. Their insurer paid $41,000 on...
Your homeowners policy will pay to replace your belongings, but only from a signed proof of loss backed by an itemized inventory. Most families cannot produce one after a total loss.
Your Roof Has 214 Hail Dents and Your Policy Pays Nothing
An adjuster counted 214 hail dents on a Wichita homeowner's metal roof and paid nothing. The cosmetic damage endorsement is why, and most homeowners never read it.
She Paid $16,400 for a New Roof. Her Nonrenewal Notice Cited a Photo Taken...
A homeowner's nonrenewal notice cited an aerial roof photo taken more than a year before she replaced the roof. Here is what these images can and cannot prove, and the dispute rights already on the books in several states.
Her Insurer Paid for the Kitchen Fire. The City’s Code Rules on Her 1962...
Aisha's insurer paid for the kitchen fire damage. The city required her entire 1962 colonial brought up to current code. The $87,400 gap was hers to absorb.
A Guest Broke Her Wrist on the Deck and Sued for $95,000. Her Homeowners...
She rented her home a few weekends a year for extra income. When a guest was hurt and sued, her homeowners policy denied the claim on a business-use exclusion.
