Category Archives
5 posts filed under this category.
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
The line between storm damage and an old roof decides most residential property claims, and it is decided on paper rather than on the roof itself.
Continue reading A Roof Claim Denied as Wear and Tear Reopened on the Strength of Three Documents
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.
A big customer's contract is written to protect the big customer, which is normal. Most of it is negotiable, and knowing which parts to push on is the whole skill.
Continue reading Handed a Large Company's Standard Agreement? Five Clauses Decide What It Costs You
The protection is real, considerably narrower than most owners assume, and easier to lose than anybody expects. The rest of the decision is bookkeeping and habits.