Open Perils vs Named Perils: What’s the Difference? Open perils vs named perils comes down to who must prove what: open perils (special form) coverage protects against all causes of loss except those the policy specifically excludes, while named perils coverage only protects against causes of loss the policy specifically lists. That difference decides whether […]
You’re staring at a denial letter or a low settlement offer, and the carrier is acting like the damage on your roof, ceiling, or business property is your problem now. In Raleigh, that’s a familiar fight after wind, hail, water, or storm loss, and it’s usually not a clean coverage question, it’s a claim handling […]
How Much Does a Public Adjuster Cost? Public adjuster cost typically ranges from about 10% to 30% of the final insurance settlement, paid on a contingency basis. That means most homeowners pay nothing upfront — the adjuster only collects a fee if your claim is paid, with the exact percentage depending on the size and […]
Wind Damage Claim Denied: What NC Homeowners Need to Know Right Now A wind damage claim denied by your insurance company does not have to be the final word — in North Carolina, wrongful roof denials are routinely reversed when homeowners challenge the insurer’s reasoning with the right evidence and professional support. If your carrier […]
Why the First 72 Hours After a Water Loss Decide Your Claim (Water Damage Documentation Basics) Water damage documentation matters most in the first 72 hours because that’s when the evidence your claim depends on — soaked drywall, saturated flooring, ruined belongings — gets torn out and hauled to a dumpster. Once mitigation begins, you […]