How Important Is My Insurance Application?

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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Help when Hotels Deny Liability for Damaged Property

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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A Quick Note About Flood Insurance in Tennessee

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.…

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Policyholders and Contractors: Overhead & Profit

Overhead and profit is an issue that comes up quite often in the claims process. The question is this: Am I entitled to get overhead and profit for my project? Not always, but if you are reasonably likely to hire a general contractor to perform the work of your project, then you’re entitled to overhead…

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What Duty am I Owed by My Insurance Agent?

You know, listen, we all love our insurance agents; but the truth is they make mistakes, and sometimes those mistakes can cause problems on a claim that perhaps you’ve been paying premiums on for years. An insurance agent should help you obtain sufficient coverage. They should be sure to explain exclusions that may apply to…

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The Appraisal Provision of Your Homeowners’ Policy May Increase Your Odds of Receiving an Appropriate Settlement

You purchase homeowners’ insurance in case the worst comes to pass, and your home sustains serious damage. Buried within the contract is something called the appraisal provision, or appraisal clause. The International Risk Management Institute defines this as a “property insurance provision allowing either the insurer or the insured to demand a binding appraisal of…

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