In the world of home damage claims, mold is one of the most common causes—and also one of the most misunderstood. Not all types of mold are considered equal under an insurance policy. And while both can pose health and structural risks, how each impacts your coverage can be very different. What is black […]
Does your policy cover mold damage in your home? Guide to types and coverage Read More »
Short but intense storms have become increasingly common in many cities. This phenomenon is known as urban microflooding, and although it may seem minor, it can severely affect the structure of your home, damage personal belongings, and compromise your safety. At The Claim Partner, as public adjusters with experience in residential insurance claims, we explain
Urban microflooding: how to claim damages after torrential rains Read More »
When it comes to filing a claim with your home insurance company, there is one detail that can make a big difference in the amount you receive: the type of coverage you have. Many people don’t discover this difference until it’s too late and the reimbursement they receive is not enough to repair or replace
Actual Cash Value or Replacement Cost Value? What you need to know before filing a claim Read More »
Did your insurance company deny your claim? All is not lost. Every year, thousands of homeowners receive a notification that changes everything: the denial of their insurance claim. Whether it’s for water damage, storms, or fire, a denied claim can mean the difference between rebuilding your home or taking on expenses that aren’t yours to
Claims denied: legal steps and resources to defend your rights Read More »
How long has it been since you last looked at your roof? Although you may not notice it every day, your roof is one of the most important structures in your home and one of the most vulnerable to damage. An annual inspection can prevent leaks, mold, structural damage, and even fires caused by faulty
What you should check on your ceilings at least once a year Read More »
Have you ever woken up to find a leak in the ceiling… but it hasn’t rained? Or noticed damp patches on the wall and discovered they come from the apartment above? These types of situations are more common than they seem, and many people don’t know how to act or what their home insurance actually
When a storm or hurricane approaches, many homeowners worry about structural damage, leaks, or roof damage. But one aspect that often goes unnoticed (and can be just as dangerous, if not more so) is the condition of outdoor electrical installations. Electrical storms can not only damage your property, they can also cause fires or put
Checklist for preventing short circuits and fires during thunderstorms Read More »
When it comes to hurricanes in Florida, it’s not a question of if they will happen, but when. The peak hurricane season (between August and October) poses the greatest risk to homeowners. Being prepared can not only protect your home, but also your investment and your peace of mind. As public adjusters, we have seen
Is your home ready for hurricane season? Checklist to review point by point Read More »
When a hurricane strikes, the urgent thing is to protect yourself. At the end of this publication, you will find a series of resources on how to protect yourself and prepare for hurricane season in Florida. But once it’s over, another battle begins: recovering your home and filing the appropriate insurance claim. In Florida, where
What should you do if the hurricane has passed and your home has been damaged? Read More »
A home thermal camera is a device that detects temperature differences on surfaces such as walls, ceilings, and windows. Using infrared images, it shows colder or warmer areas, which helps identify: Thermal bridges (areas where heat escapes or cold enters) Hidden moisture Water leaks in roofs or walls Loss of energy efficiency It is a
Thermal camera for home inspections: is it worth using? Read More »
