Why Was My Hurricane Claim Denied as Storm Surge? A hurricane claim denied as “storm surge” happens because most standard homeowners policies cover wind damage but exclude flood damage — and insurers classify storm surge as flooding. When wind and water hit your home together, the carrier may attribute most or all of the destruction […]
Does Homeowners Insurance Cover Sewer Backups in North Carolina? (Why Sewer Backup Insurance Matters) Most standard North Carolina homeowners policies do not include sewer backup insurance — water that backs up through sewers, drains, or sump pumps is typically excluded unless you purchased a separate endorsement. That means without this add-on coverage, damage from a […]
Can Smoke Alone Support a Smoke Damage Insurance Claim? Yes — a smoke damage insurance claim can succeed even if flames never touched your property. Courts have held that smoke, soot, and lingering odor infiltrating a building can qualify as “direct physical loss” under a standard property policy, which means insurers cannot automatically deny a […]
How Much Are Public Adjuster Fees on Average? The fee for a public adjuster public adjuster average between 10% to 20% of the final insurance claim settlement, depending on the size and complexity of the claim. The fee is contingency-based, meaning you pay nothing upfront — the public adjuster only earns a percentage of the […]
A clean insurance check can still leave you unable to finish the repairs. The carrier’s adjuster may have priced visible damage, while your contractor finds wet insulation, damaged subfloor, missing code-required work, or rooms that can’t be restored without matching adjacent materials. That gap is where insurance claim supplements matter. A supplement isn’t a favor […]