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July 1, 2020
Your home-owners policy requires you to comply with “Duties After Loss” listed in your policy. In case of a loss to covered property, you must see that the following are done. These will include giving prompt notice to the insurance company or your agent, protecting the property from further damage, making reasonable and necessary repairs...
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Most property insurance policies require “physical loss or damage” to insured property as a threshold requirement for coverage. In most property damage losses, this requirement is easily met. Fires, hurricanes, and tornadoes will cause, among other things, structural damage to the building while plumbing line ruptures will warp floors, baseboards, cabinets, and walls. There may...
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roof damage
After suffering the devastation of sudden and accidental damage to your property, a property owner has a duty to mitigate their losses in the wake of some adverse event that causes covered losses. Reasonable mitigation efforts do not require that you exert unlimited efforts in order to prevent further losses. In many instances a temporary repair or mitigation...
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After suffering the devastation of sudden and accidental damage to your property, you should make sure to gather as much documentation as possible. If possible, be sure to take photographs and videos depicting the damage, especially if the damage is repaired prior to the insurance company’s inspection of your property. It is also helpful to...
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shake hands
In order to understand whether or not you have a covered insurance claim, it is important to first understand what kind of “events” are generally covered under a general homeowner’s insurance claim. An “all-risk” policy pays for losses from damage to property when the cause of damage was direct, sudden and accidental and is not excluded from your policy. An “all-risk” policy covers all perils (causes...
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