Category Archives
6 posts filed under this category.
The line between storm damage and an old roof is where most residential property claims are actually decided, and it is decided on paper rather than on the roof.
Continue reading A roof claim denied as wear and tear, and the three documents that reopened it
The first two hours decide most of what this costs. The order matters more than the effort, and two of the ten steps take under a minute each.
Continue reading Water is coming in right now. Ten things to do, in the order they matter
An adjuster is applying a policy to a set of facts. Most claim disputes come down to whose description of the facts was written down first and in more detail.
Continue reading The adjuster is not your enemy and not your advocate. How to work with one
Exclusions read like a list of ways to be refused. Most of them exist because the risk they name behaves in a way ordinary insurance cannot absorb.
Continue reading Seven exclusions in a homeowners policy, and the reason each one ended up there
These are the maintenance tasks with the widest gap between what they cost to do and what they cost to skip. Ranked by how fast the gap opens.
Continue reading Seven jobs that cost an hour now and four figures later, in order of urgency
A floor can feel dry to the hand while the material under it still holds enough moisture to ruin everything above it two months later.
Continue reading Fans and a dehumidifier, or a proper dry out. The difference shows up in June