Storm Surge Claim Denied After a Hurricane? Don’t Take the Carrier’s Word for It If you had a storm surge claim denied after a hurricane, remember this: the insurer’s “flood did it all” explanation is a causation theory, not an established fact. In many mixed wind-and-water losses — especially so-called slab cases — the burden […]
What Is a Puff Back and Why Does It Happen in NC and VA Winters? A puff back insurance claim covers the sudden, explosive misfire of an oil furnace or boiler that blasts sticky, oily soot through your ductwork and into every room of the house in seconds. Because it happens without warning when heating […]
Why ‘We Found an Excluded Cause’ Isn’t the Final Word on Your Storm Damage Claim Denied Letter If you had a storm damage claim denied because the insurance company says an excluded cause — like flooding, earth movement, or pre-existing wear — contributed to your loss, that denial is not necessarily the end of the […]
A Tree Fell on House and Roof — Here’s the Quick Answer for NC Homeowners If a tree fell on house or roof structures you own in North Carolina, a standard HO-3 homeowners policy covers the damage on an open-perils basis — meaning the insurer must point to a specific written exclusion to deny your […]
How One NC Fire Damage Claim Grew by $330,100 A North Carolina fire damage claim grew by $330,100 after our licensed public adjuster re-documented the loss. The insurance company’s initial settlement figure fell far short of the true cost to rebuild, replace belongings, and house the family during repairs. By measuring every category of loss […]