If you are reading this, you are probably facing a problem with your insurance company or want to be prepared in case it happens to you. In both cases, there is a figure that generates confusion, misunderstandings, and even mistrust: the Public Adjuster. Who are they really? When are they needed? Will they take money […]
7 Questions Every Homeowner Asks Before Hiring a Public Adjuster Read More »
When a property insured by the National Flood Insurance Program (NFIP) suffers severe damage, you may not only face costly repairs, but also the obligation to comply with new building codes or local standards. This is where the Increased Cost of Compliance (ICC) benefit comes into play. What is the NFIP’s ICC program? Increased Cost
What is sewer backup and why is it a real risk? Sewer backup occurs when wastewater flows back into your home due to a blockage, heavy rain, or an overload of the sewer system. This can cause severe damage to floors, walls, and belongings, and also poses a serious health risk. Although it is more
Benefits of Sewer Backup Coverage: What Every Homeowner Should Know Read More »
When a property suffers water damage, whether from a leak, flood, or storm, one of the key decisions homeowners must make is whether to restore what was damaged or completely remodel. Although these terms are often used interchangeably, they have crucial differences in purpose, process, costs, and insurance coverage. In this article, we help you
Restoration vs. Remodeling: Which is best after wáter damage? Read More »
After a flood, one of the biggest risks that is not visible to the naked eye is mold growth. And although insurance companies usually cover certain water damage, mold-related claims are among the most rejected. Why? In many cases, it is due to a lack of proper documentation or failure to follow the necessary steps
Mold after flooding: how to document it to avoid a rejected claim Read More »
When you take out home insurance, you’re not just protecting the walls of your house. You’re also ensuring your peace of mind in the event of natural disasters, unforeseen accidents, and even legal claims. But do you really know what your policy covers? In this article, we explain in simple terms the different types of
Homeowners Guide: All Types of Home Insurance Coverage Explained Read More »
First, did you know that you have the right to appeal? Many homeowners are unaware of this, but insurance companies do not have the final say. If your claim was denied or you were offered compensation well below the actual damage, you can formally appeal the decision. This right is supported by state regulations in
How to appeal a denied or underestimated home insurance claim Read More »
Climate change is no longer a topic for the future: today, it is changing the way insurers calculate, cover, and exclude water damage. From torrential rains to more frequent and intense storms, the risk to homes has multiplied. If you are a homeowner, updating your policy and understanding how insurers now operate can mean the
Climate change and water damage: Is your policy adapted to the new risk? Read More »
Protecting your home means being alert to leaks, high humidity, or structural changes that could lead to serious damage. Fortunately, today there are technological solutions that allow homeowners to monitor their homes in real time, anticipating problems before they become serious. This article presents affordable options such as apps, sensors, and scenarios where it is
How to protect your rights when the damage is real, but the responses don’t seem to be When a hurricane hits, the first thing you expect is support. But for many homeowners, the real challenge begins after the storm: dealing with an insurance company that seeks to minimize its responsibilities. At The Claim Partner, we
What your insurance company doesn’t want you to know after a hurricane Read More »
