Residential and commercial real estate sales occur on a daily basis. Usually, the title transfer of the sale occurs without much fanfare regardless of whether the transaction involves a residential home or business real estate. The same is true when it comes to transferring insurance from the seller to the buyer. Up to the closing…

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Insurance policy exclusions can dramatically affect insureds who think that they are protected completely when dealing with fire, storm, wind, hail, theft or other issues with their property. An insurance battle stemming from Hurricane Harvey in Texas was recently settled out of court for an undisclosed amount. The plaintiff, a woman who owns multiple commercial…

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The claims adjuster is an important cog in the insurance machine. This person is responsible for coverage determination, investigation /evaluation of the claim and damage, and ultimately determining how much of a financial obligation the insurance carrier has and will pay on your claim. Understanding what it is a claims adjuster does can make it…

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When you purchase an insurance policy, you’re ensuing that, in the event of a loss, there is a way for you to put your property back in pre-loss condition. Did you know that most states have a “Bill of Rights” for property owners which sets forth some basic rights to which a policyholder is entitled…

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The protection you purchase with your insurance policy is supposed to be there when you need to access it for yourself or your loved ones. However, too often insurance companies fail to live up to their promises when accidents, storms, tragedy or disaster hits. A claim denial or delay can keep you from accessing the…

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You know, one of the scary things about being a policy holder, and knowing that that insurance claim, is out there is that sometimes an insurance claim can be doomed before you ever even make it. And we see that over and over again with insurance companies denying claims or causing claim questions because of…

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When you visit a hotel, you probably expect to leave with the property you brought along with you. From valuable jewelry to expensive electronics, a hotel guest may have thousands of dollars in property during an average stay. When these items become damaged due to the negligence of the hotel, it can be extremely challenging…

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