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Property Claims BLOG

Vacant or Unoccupied? For Insurance Coverage, the Difference is Important

The two terms “vacant” and “unoccupied” might appear to be synonymous, even interchangeable in general conversation, but they are distinctly different when it comes to property insurance coverage.

Examination Under Oath (EUO): What it is and How to Prepare for One

Imagine the horror of suffering a major house fire and having your belongings destroyed, badly smoke- and soot-damaged or waterlogged. Your world is officially turned upside down, yet you have crucial duties to perform to make sure it gets right-side up with a properly filed insurance claim. The furthest thing from your mind is an examination under oath (EUO). What’s that, you might ask? Read on.

Why Hire a Public Adjuster to Help With Fire Damage Claims?

It’s a challenge to do everything you need to do on your own when dealing with the aftermath of a fire. Not only do you have to deal with the complexity of the fire insurance claim process, you also have to make sure your property gets inspected, cleaned, repaired and rebuilt.

How Invoking an Appraisal Clause Can Maximize Your Insurance Claim

Invoking an Appraisal Clause

How Your Credit Score Impacts Your Property Insurance Premium

When purchasing or renewing a homeowner’s insurance policy, your credit score plays an important role in your premium costs, and even in the ability to buy an insurance policy. Most insurance carriers use a credit-based insurance score to calculate your premium payment. Here is what you should know about how insurance companies use your credit score and how you can improve it.

Top 5 Reasons Why a Public Adjuster Will Negotiate Your Property Damage Claim Better Than You

When you suffer minor damage to your home or business, you can probably handle the insurance claim process on your own. However, when your damage is substantial, you'll probably find it pays to have a public adjuster on your side.

Fire Risk Goes Up the Minute the Heat Goes On

At just a month into Fall, some Wisconsinites already shoveled snow, many are past the first frost, and most are firing up their heaters to offset the falling temperatures.

Winter Home Safeguarding Tips Before Heading South

It’s that time of year when scores of Northerners plan to escape winter’s icy grip for a winter vacation. If that applies to you, making sure your home is properly prepared and secured before you head south could prevent a catastrophe. Follow these winter home safeguarding tips to help avoid a costly insurance claim.

Licensed Public Adjusters Make Sure Everything's Covered

An insurance company will never voluntarily pay more than an amount claimed by a policyholder. So if you suffer a loss, the scope of damages needs to account for everything needed to restore the property to “uniform and consistent” appearance. That’s where licensed public adjusters can really prove their worth—using their extensive knowledge and experience to include claim elements that may not appear obvious to the untrained eye.

What to Do When a Frozen Pipe Bursts

According to Insurance Services Office (ISO), water damage claims are the second most frequent insurance claims after wind and hail damage. Most water damage claims this time of year are caused by frozen pipe bursts, and this year’s winter has been especially brutal, affecting areas as far south as Texas and Florida.

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