Water Damage Claim Denied in NC? Here’s the Quick Answer If your water damage claim denied letter just arrived in North Carolina, take a breath: a denial is not the final word. You have the right to request the insurer’s reasons in writing, gather new evidence, demand a re-inspection, and bring in a licensed public […]
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 […]