When you have a homeowner’s policy, you will have a section that has Protection for liability. For example, you likely have protection for liability. If someone you know has party at your house and somebody slips and falls and hurts their back and they have to get medical treatment. They may sue you for whatever … Continue reading “What is liability Insurance, do I automatically have it?”
What if the vandal is someone I know, who do I file a claim against?
If you’ve suffered damages from vandalism and you know who the vandal is then the important question is whether there was any sort of intentional planning there between you and that vandal. Normally you should be fine and you can still put in a claim with your insurance company.
What is an EUO, and do I have to do it?
EUO is an examination under oath. The way I try to explain EUO is it’s essentially a deposition but a deposition happens during a lawsuit and EUO happens prior to a lawsuit. That’s the difference. They ask you questions about the claim and fact surrounding it. Now, you don’t have to do an examination. Unless … Continue reading “What is an EUO, and do I have to do it?”
Are Home CCTV Security Cameras a Good Idea?
CCTV security cameras are absolutely a great idea. If there’s vandalism or theft, at your home or business having that footage as evidence is important. I had a case where someone’s home was burglarized. The neighbors saw people fleeing with bags in their hands into their car and leaving and it was captured on their … Continue reading “Are Home CCTV Security Cameras a Good Idea?”
Vandalism of a Car in my Driveway.
What if a car is in my driveway? Which policy covers the car if it’s vandalized? The homeowners or car policy? Your homeowner’s policy should cover that situation. But that really depends on the language in the policy. If you’re faced with a situation of a car vandalized in your driveway, I suggest calling your … Continue reading “Vandalism of a Car in my Driveway.”
Vandalism, inventory is important.
It is extremely important to have a really good list of items in your home or business in case you suffer theft or vandalism. A good inventory is a vital part of an insurance claim. You want to make sure that every item that you potentially need to claim is put on that list. Otherwise, … Continue reading “Vandalism, inventory is important.”
How do I Know if I Have Cast Iron Pipes?
Some plumbers and leak detection companies can put a camera through the drain pipe on one of the stacks on your roof and if they tell you if you have cast iron pipes and what condition they are in. They can also examine pipe coming into your home and drain pipe leaving to look for … Continue reading “How do I Know if I Have Cast Iron Pipes?”
How Can I Mitigate Damage from Cast Iron Pipes?
The best way to mitigate damage from cast iron pipes is calling a plumber immediately. Some plumbers and leak detection companies can put a camera through the drain pipe on one of the stacks on your roof and tell you if your cast iron pipes are deteriorated. You need to know what kind of remediation … Continue reading “How Can I Mitigate Damage from Cast Iron Pipes?”
How is Cast Iron Pipes Damage Resolved?
If you have cast iron pipe issues, best option is to make a claim. Insurance companies know these claims can be very expensive to fix especially since people may have a pipe issue in one part of their home but that doesn’t mean that later on they’re not going to have any issues somewhere else. … Continue reading “How is Cast Iron Pipes Damage Resolved?”