Owning a vacant home in Colorado comes with unique challenges and risks, especially when it comes to insurance coverage. Whether the property is a second home, a rental that’s temporarily unoccupied or a home undergoing renovations, it’s crucial to understand how insurance policies treat vacant homes. Insurance companies often impose different rules and exclusions for
How Insurance Works When Homes Are Vacant in Colorado Read More »
As a homeowner in Louisiana, dealing with property damage can be stressful, but that stress intensifies when your insurance company isn’t acting in good faith. Unfortunately, bad faith insurance practices happen more often than they should, and knowing how to recognize them is crucial for protecting your rights and ensuring you receive the compensation you’re entitled to.
Examples of Bad Faith Insurance Practices in Louisiana Read More »
As a homeowner in Florida, dealing with damage to your property is stressful enough, but what happens when your insurance company isn’t acting in good faith? Unfortunately, bad faith insurance practices are not uncommon, and understanding how to recognize them is essential to protecting your rights and ensuring you get the compensation you’re entitled to.
How to Recognize the Signs of Bad Faith Insurance Practices in Florida Read More »
Homeowners insurance rates in Colorado have been steadily on the rise, and for many homeowners, this can cause serious financial strain. You’re not alone if you’ve been wondering, “What gives?” Below we’ll break down some of the factors contributing to increasing insurance premiums as well as what you can do to ensure you have adequate
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In Louisiana, the calmer winter months that follow the peak heat of summer and hurricane season can be the ideal time for homeowners to get their properties inspected and ensure their homes are ready for the next season’s challenges. Here’s why the slow season is the right time to prioritize property inspections in Louisiana. Keeping
Why Slow Season’s a Go Season for Property Inspections Read More »
As storm season in Florida comes to a close, the next few months are opportune times to have your property reinspected for damage. Regardless of the age or condition of your home, getting fresh images and documentation related to the state of your roof and property’s exterior can prove invaluable if and when you do
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In Colorado, homeowners face frequent and sometimes severe weather events like hail storms and high winds. As if navigating hail damage claims in Colorado were not complicated enough, these deductibles throw yet another wrench into how your claim is settled. To manage risk, insurance companies often include specific wind and hail deductibles in some homeowner’s insurance policies,
What Coloradans Need to Know About Wind and Hail Deductibles Read More »
Lurking beneath the shadows of your insurance policy are many rules and restrictions. Unless you are reviewing your homeowners policy carefully, you may be unaware of some of these details until you go to file an insurance claim and then are faced with an unwelcome surprise. One such area has to do with deductibles. What
Do Wind and Hail Deductibles Apply in Louisiana? Read More »
Wind damage is an all-too-common reality for Florida homeowners. From powerful hurricanes to severe thunderstorms, high winds can wreak havoc on roofs, windows, and other parts of your property. When this happens, your first instinct might be to contact your insurance company. However, the most critical first step is often overlooked: calling an attorney. Here’s
Experience Wind Damage to Your Florida Home? Step One: Call an Attorney Read More »
When filing a hail damage claim, understanding key insurance terms can significantly impact your compensation amount. Two important concepts that often come up in hail damage claims in Colorado are Actual Cash Value (ACV) and Replacement Cost Value (RCV). These terms dictate how your insurance company calculates the payout for repairing or replacing hail-damaged property. Here’s what
What Do ACV and RCV Mean for Your Hail Damage Claim? Read More »
