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An exclusion is a maintenance instruction written years before the claim. Five things to check in the form your insurer filed, and what each one asks you to do now.
Continue reading Five Checks on an Exclusion Clause That Change What You Repair, Not Just What Pays
Two houses with identical hail bruising can face very different out-of-pocket costs, and the difference is set by deductible type, local code adoption, and how a policy treats matching.
Continue reading Hail Hit Your Roof? Why the Same Damage Costs Different Money in Different Counties
A claim is not free even when it is paid. The question is whether the payment exceeds what filing costs across the next several renewals.
Continue reading Is This Claim Worth Filing, or Cheaper to Pay Yourself and Forget?
Nobody is withholding anything on your behalf anymore, and the bill arrives on a schedule that has nothing to do with the way the money came in.
Continue reading First Year Working for Yourself? Set the Tax Aside Before You Spend the Money
An adjuster applies a policy to a set of facts. Most claim disputes come down to whose description of those facts was written down first and in more detail.
Continue reading Not Your Enemy and Not Your Advocate: How to Work With a Claims Adjuster
Exclusions read like a list of ways to be turned down. Most of them exist because the risk they name behaves in a way ordinary insurance cannot absorb.