Cosmetic Exclusion Explained
Homes have functional elements and some are considered cosmetic by insurance companies. These are exterior surfaces that includes doors, windows, siding and some types of roofing. Cosmetic portions of the home affect the aesthetic appearance of the home, but not its functionality. Many insurance companies have cosmetic exclusions written into their homeowner’s policies and clients […]
Why Water Damage Claims are so Complicated
Water is one of the most destructive types of damage that homeowners can experience. It’s also one of the most complicated, particularly in South Florida. Aside from leaky or broken pipes and sewer backups, homes are subject to flooding, storm surges and wind that causes damage and allows rain to enter. Policies covering water damage […]
Steps to Get a Claim Processed Quickly
Information fuels insurance companies and facilitates a quick resolution. Individuals want their home disaster resolved quickly so they can get back to their normal lives. A home disaster is traumatic enough without the added stress of a protracted insurance claim. In today’s world, it’s important for individuals to collect as much information as possible on […]
How to Document Storm Damage
When dealing with an insurance company, it’s essential that storm damage is documented before a claim is made and the insurer’s adjuster arrives. Any cleanup activities should be postponed until individuals have had time to take photos and/or video of the damage. Don’t throw anything away. It’s essential that the insurance company is able to […]