Man stops wooden blocks from falling like dominoes

Homeowners Insurance: How to Avoid Being Underinsured

Homeowners Insurance: How to Avoid Being Underinsured Homeowners insurance is designed with the intention of giving you peace of mind that in the event of a covered loss, you won’t find yourself in a financial predicament. However, if you’re underinsured, you might incur tens of

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Insurance agents with senior client

Homeowners Insurance Tips for Seniors in California

Homeowners Insurance Tips for Seniors in California Seniors are often disadvantaged by insurance agents who don’t take sufficient care to explain policy details or provide them with adequate assistance. As a result, many seniors don’t know or understand what they’re insured for and sometimes struggle

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Two arrows with the words public adjuster and independent adjuster respectively

Public Adjusters vs. Independent Adjusters

Public Adjusters vs. Independent Adjusters When you file a claim for a covered event under your homeowners or business insurance policy, your insurer will assign an adjuster to handle the claim. Many people are not aware there are different types of adjusters or cannot tell

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An umbrella symbolizing insurance covering a family

What Kind of Insurance Does Your Public Adjuster Need?

What Kind of Insurance Does Your Public Adjuster Need? Many states require public adjusters to be licensed. It includes having the necessary “insurance” in the form of a surety bond. Licensing procedures vary from state to state but public adjusters will typically have to comply

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Fire sprinkler on a wall

How Insurance Companies Handle Fire Sprinkler Malfunctions

How Insurance Companies Handle Fire Sprinkler Malfunctions An effective fire sprinkler system can save lives, reduce injuries, and limit property damage. And it might also lower your insurance premium. Automatic extinguishing systems (AES) such as water-based fire sprinklers may create savings for insurance companies if

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Breach of insurance contract

Beware of Improper Insurance Claim Denials for Water Damage

Beware of Improper Insurance Claim Denials for Water Damage Many homeowners pay their insurance premiums for years thinking they are adequately insured against events such as water damage. When they do eventually file a claim for water damage, they are shocked and angry when their

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Cause and effect in concurrent causation

Concurrent Causation: Explained by a Public Adjuster

Concurrent Causation: Explained by a Public Adjuster Causality or causation is the relationship between cause and effect. For example, if we eat too much junk food and don’t exercise (cause), we’ll gain weight (effect). It seems straightforward and logical. However, causation, and especially concurrent causation,

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