Fire Claim Denied Because of Someone Else’s Actions? Your Innocent Spouse Insurance Claim Rights An innocent spouse insurance claim allows a co-insured homeowner in North Carolina to recover under a homeowners policy even when the other insured spouse intentionally set the fire. The North Carolina Supreme Court has recognized that an innocent co-insured’s rights under […]
Is It Worth Going Through Insurance for Water Damage? Filing a water damage insurance claim is worth it when the repair cost clearly exceeds your deductible, the cause is a sudden and accidental event your policy covers, and you don’t have a string of recent claims. For small, borderline losses, paying out of pocket often […]
You come home after a storm and find shingles across the yard, water staining the ceiling, and insulation on the floor. You report the loss, cooperate with the adjuster, and expect the policy you’ve paid for to respond. Instead, a one-page letter arrives stating that your insurance denied the claim, or offering an amount that […]
The Quick Answer: Why Tree Damage Insurance Claims Get Low-Balled A tree damage insurance claim often comes in low because the adjuster scopes only the visible impact zone — usually a patch of broken shingles — while missing cracked rafters, shifted trusses, damaged decking, and water intrusion beneath the surface. The first offer reflects what […]
Copper Theft Insurance Claim Denied? Here’s the Quick Answer If your copper theft insurance claim was denied because your policy excludes theft, don’t accept that answer at face value. Courts have repeatedly held that the destruction thieves leave behind — torn-out walls, cut plumbing, and gutted electrical systems — is covered “vandalism and malicious mischief,” […]