Posts by Jonathan L. Bobbitt

If your home or business was damaged or destroyed by a wildfire, your property insurance coverage is supposed to be a lifeline. However, all too often, insurance companies deny wildfire damage claims or look for reasons to pay less than is owed, leaving claimants wondering how they will rebuild and recover. Fortunately, denials do not…

Understanding the difference between wind vs. flood damage is essential when filing property insurance claims after a storm or hurricane. Separate insurance policies typically cover wind and flood damage, and how you handle them could be the difference between a fully paid claim and a denied one. Insurance treats wind and flood damage separately A…

The Midwest and Southeastern states see their share of severe weather. Flooding, hailstorms, tornadoes, wildfires, earthquakes, extreme heat, and drought conditions all occur, and each can damage homes and businesses in different ways. When property is damaged in a natural disaster, the next step is usually an insurance claim. Coverage, however, is not always as…

People end up dealing with insurance companies in many different situations. Sometimes the claim is made under your own policy, for example, after a storm damages your home or business property. This is referred to as a first party insurance claim because you and your insurance company are both parties to the insurance contract (policy).…

IF YOU HAVE A DISPUTE WITH YOUR INSURANCE COMPANY CONCERNING THE AMOUNT OF A LOSS, CONSIDER THE APPRAISAL CLAUSE IN YOUR PROPERTY INSURANCE POLICY If your property has sustained a loss from a storm, fire, or other covered peril and there is a dispute as to the amount of that loss between you and the…

Our Firm’s thoughts and prayers are with the victims of the massive tornadoes that recently struck Tennessee. With the loss of not only property, but most importantly life, this is a tragic event for our state. If you were impacted by this catastrophic storm, we don’t have to tell you what a stressful and challenging…