Are You Insured When Snow Damages Your Swimming Pool?

Spring is here and summer is just around the corner. Thoughts of having friends and family over to enjoy the swimming pool come to mind. However, this year there were several winter snow storms. They’re commonly called nor’easters. The youngsters enjoyed the sled riding, the building of snowmen, and of course the closing of schools. Some adults enjoyed the closing of their businesses and/or their employers’. Was everyone happy? I was not, and I am sure my homeowner’s insurance company was not. Continue reading “Are You Insured When Snow Damages Your Swimming Pool?”

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Who Pays Flood Insurance Adjusters?

On Quora, I saw a question regarding adjusters and how they earn their money. And so, I answered it. I’m happy to share the answer here and provide a little more information as well. States regulate insurance adjusting. Most states have a process for obtaining a claim adjuster’s license. But some states and the District of […]

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HURRICANES HARVEY, IRMA & MARIA VS. FEMA & YOUR HOMEOWNER’S INSURANCE

A recent spate of powerful hurricanes brought death and devastation throughout the Caribbean, Puerto Rico, Texas, Florida, and other states along the gulf and up the coast. Hurricanes Harvey, Irma, Jose, and Maria have caused unprecedented devastation of levels never before seen in an area larger than the state of New Jersey. They have caused […]

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WILL FEMA PERFORM BETTER FOR HARVEY AND IRMA VICTIMS THAN THEY DID FOR SANDY VICTIMS?

There are already thousands of insurance claims for damage caused by Hurricane Harvey and Irma. FEMA expects thousands more claims yet to come. Victims hope for a smooth claims process and accurate payment for damage. But, if the recent past is any indication, these hopes may well be wishful thinking. Hurricane Sandy claims are now approaching 5 years […]

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Hurricane Harvey, Now Hurricane Irma And Your Flood Insurance

Hurricane Harvey devastated Houston along with a swath of surrounding small towns. The damages are estimated to be in excess of $180 Billion. Irma hasn’t arrived as yet, but this storm is already being touted as a history maker. As a Category 5 hurricane she has sustained 185 mile an hour winds for over 24 hours. […]

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Celebrating the 4th of July Safely

Summer get togethers with family and friends, hotdogs and hamburgers, sunshine and fireworks, maybe a backyard BBQ or a long weekend get-a-way. Every year most of us look forward to celebrating and enjoying this long weekend. We hang flags in our front yards and celebrate America. This celebration, July 4th, also known as Independence Day, marks a the […]

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Questions You Should Ask About Flood Insurance For Your Property

Congress created the National Flood Insurance Program (NFIP) in 1968. The Federal Emergency Management Agency (FEMA) manages the NFIP. Flood insurance is not commonly included in your home owner’s insurance and therefore damage from a flood won’t be covered. Flood insurance is a separate policy, but unless your mortgage lender requests it, you are under […]

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DEFINING COINSURANCE

This is a term that anyone owning property should become familiar with. Most commercial property polices have a coinsurance clause. You should have this conversation with your insurance consultant or provider. Be specific when you inquire about any coinsurance clause that may be included in your policy. And obtain clarifications regarding the value of the property and […]

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