If My Tree Falls on My Neighbor’s House, Who Is Responsible? When a tree falls on neighbor’s house, the neighbor’s own homeowners insurance usually pays for the damage — not you. In North Carolina, the tree’s owner is generally only responsible if they were negligent, such as ignoring a tree they knew (or should have […]
Public Adjuster vs Attorney: What’s the Quick Answer? In the public adjuster vs attorney decision, the quick answer is this: a public adjuster documents, values, and negotiates your property insurance claim, while an insurance attorney litigates legal disputes. Most homeowners with storm, water, or fire damage start with a public adjuster and only escalate to […]
Why You Should Never Take a Flood Claim Engineering Report at Face Value A flood claim engineering report should never be accepted at face value because, as the Raimey v. Wright National Flood Insurance case revealed, a carrier-hired engineering firm rewrote a field engineer’s findings to support denying a valid claim. If an engineer’s report […]
Your home suffers a fire or large water damage claim. Other times a severe storm blows through the Triangle, the roof starts leaking. Next, the insurer’s first check shows up looking neat on paper and useless in real life. It won’t cover the contractor’s deposit, the code items, or the hidden damage that sits behind […]
Public Adjuster vs Attorney: What’s the Difference? The public adjuster vs attorney decision comes down to what your claim actually needs: a public adjuster is a licensed, bonded professional who documents your property damage and negotiates the claim’s value with your insurer, while an attorney handles legal disputes — like bad faith conduct, breach of […]