Posts by Jonathan L. Bobbitt

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…

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…

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…

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…

As the recent damage from Hurricanes Harvey and Irma show, the areas where homes can be flooded is expanding. Many home insurance property policies protect your contents if a fire or theft occurs, but homeowner policies do not normally cover your contents, cleanup costs, and repair or replacement costs if a flood damages your property.…