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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
Ten years ago you hired a person. Now you often hire a dispatcher who hires a person. Here is how to sort the upkeep jobs worth paying for, and who you are really paying.
Continue reading Paying Someone to Clean the Gutters? Find Out Who Is Actually Coming First
The order matters considerably more than the effort, and two of the steps take under a minute each. Almost all of the eventual cost is set before lunchtime.
Continue reading Water Is Coming In Right Now and the First Two Hours Decide Most of the Cost
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?
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.