Insurances

Should You Hire an Attorney to Help You With a Homeowners Insurance Claim?

9 days ago   |   By RIS Media

If you file a claim with your homeowners insurance company, you want to get an amount that will cover the cost to make repairs and replace damaged belongings. Your insurance company wants to maximize its profits and pay out as little as possible. If you don't receive the amount you believe you deserve, hiring an attorney is one option.
Why Your Claim May be Denied
Your homeowners insurance policy contains a list of exclusions, or circumstances under which the insurer won't cover a claim. For example, a standard homeowners policy excludes flooding. If your house gets damaged by a flood, the...
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If You Lose Power, Will Homeowners Insurance Pay for Food That Goes Bad?

9 days ago   |   By RIS Media

If you lose electricity and it takes several hours or days for power to be restored, food in your refrigerator and freezer can spoil. Your homeowners insurance company may or may not compensate you for your loss, depending on the specific circumstances.
The Source of the Power Outage Is a Key Factor
If you lose power because of a covered peril, such as a storm, you will most likely be able to file a claim for spoiled food. If an earthquake or a flood causes you to lose power and you don't have an insurance policy that covers that peril, you won't be covered for food that you have to throw...
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Will Your Homeowners Insurance Company Pay to Have a Fallen Tree Removed?

9 days ago   |   By RIS Media

Homeowners insurance can pay for damage and removal if a tree falls, but only under certain circumstances. Insurance pays for damage that the policyholder could not have prevented. It doesn't cover damage that occurs because the homeowner failed to care for the property. Whether a fallen tree damages a structure is another important factor that can affect coverage.
When Tree Removal Will and Won't Be Covered
If a healthy tree falls because of a storm with strong winds, hail, snow or ice and damages your house or another covered structure, such as a shed, your insurance policy should cover...
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How Your Insurance Needs May Change When You're Selling Your House

9 days ago   |   By RIS Media

You know that you need homeowners insurance in case your house gets damaged or someone gets injured on your property. When you put your house on the market, your existing policy may or may not provide you with adequate protection.
What Your Current Policy Will Cover While Your House Is Being Sold
If a buyer comes to visit your home and gets injured and you're found liable, your homeowners insurance policy's liability coverage can pay for medical bills and other related expenses. If the house or its contents get damaged while the house is on the market, your policy's dwelling and/or...
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When Homeowners Insurance Will and Won't Cover Rodent Damage

9 days ago   |   By RIS Media

Homeowners insurance coverage isn't always clear and straightforward. Insurance companies have rules and guidelines, but they look at cases individually and consider specific factors. When it comes to rodent damage, repairs may or may not be covered, depending on the source of the problem and whether it could have been prevented.
Insurance Won't Cover Rodent Damage Attributed to Neglect
Homeowners insurance typically covers damage that occurs accidentally or suddenly. Rodent damage generally occurs over a period of time and can usually be dealt with before it becomes serious.
As a...
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