When the Vandal Is Your Own Tenant: What NC Landlords Need to Know A tenant vandalism insurance claim is often denied on the grounds that damage caused by a tenant “doesn’t count” as vandalism — but that blanket denial is frequently wrong. In North Carolina, intentional, malicious destruction by a departing tenant can still qualify […]
Why Insurers Push for an Examination Under Oath After a Fire — and Why You Shouldn’t Panic An examination under oath (EUO) is a formal, sworn question-and-answer session your insurance company can require under your policy after a fire loss. Insurers push for them quickly to lock in your story and probe for fraud — […]
What Are Unfair Claims Settlement Practices in NC & VA? Unfair claims settlement practices are specific insurer behaviors — like lowballing, unreasonable delays, or misrepresenting your policy — that both North Carolina (N.C.G.S. § 58-63-15) and Virginia (Va. Code § 38.2-510) prohibit by law. If your carrier commits these acts on a property claim, you […]
Does Home Insurance Cover a Broken Pipe Under Your Concrete Slab? Understanding Slab Leak Insurance in NC and VA Slab leak insurance coverage under most North Carolina and Virginia home policies works like this: the insurer typically will not pay to repair the broken pipe itself, but a standard policy often does cover the resulting […]
Why Was My Vandalism Claim Denied for Vacancy? A vacancy clause vandalism claim is typically denied because most homeowners policies exclude vandalism and malicious mischief losses when the home has been “vacant” for more than 60 consecutive days before the damage. But the denial only holds up if your property actually meets the policy’s own […]