A pipe bursts under the sink. The dishwasher line lets go while you’re at work. Water runs behind cabinets, under flooring, into baseboards, and maybe into rooms that still look “fine” to the naked eye. Then the insurance company sends someone out, takes a quick look, writes a number, and acts like the matter is […]
Is Arson Fire Covered Under Insurance? YES & NO – Standard homeowners insurance covers “accidental” fire. Because arson is an intentional, criminal act, the fire is excluded under the “Intentional Acts” provision, ONLY if the insurer proves the fire was intentionally set by the policyholder or at their direction, they will deny the claim entirely. […]
Yes — homeowners insurance often covers fallen trees, but coverage depends on why the tree fell and what it damaged. A storm rips through overnight. You wake up to a cracking sound, a slammed roofline, and rain dripping where your ceiling used to be dry. You call the insurance company expecting answers. Instead, you get […]
After policyholders receive a check from the insurance company that is less than expected, they often ask, “What Is Actual Cash Value Insurance?” Actual Cash Value (ACV) in insurance is the current value of your property at the time of loss, after accounting for depreciation (wear and tear, age, condition, and obsolescence). What ACV Means […]
A homeowners claim should often move in weeks, not forever. A common property-claim benchmark is about 23.9 days, but storm and catastrophe claims can slow to 34+ days, and after a major disaster full repair and final closeout can drag into 18 to 24 months because insurers often pay in stages rather than one complete […]