What does your insurance cover?  What does

damage look like?

 

The biggest misconception in the insurance today for homeowners and businessowners is regarding damage.  What is it, and does MINE qualify?

1) If you had the ability, could you point to a specific day or time when the incident occurred?

2) Was the incident an accident, outside of your control (ie act of God), OR performed by someone outside your immediate family?

3) Is something you own currently in a different condition than it was before the incident?

If you answered YES to each of those questions, you probably qualify.


But qualifying for a claim and having a GOOD claim are two different things.  High deductibles, limiting endorsements, payment schedules or a generally ineffective policy can all greatly impact a potential claim.  Even with the worst damage imaginable, a "bad" policy can make pursuing a claim unproductive.

Brett can evaluate your policy AND your situation.  He is duty-bound to make recommendations in your best interest, not the insurance carrier's.



If your siding needs a tarp or needs to be nailed back in, there is damage there.  Give us a call  and Brett will come evaluate the condition for you!


When a pipe bursts, sink or toilet overflows, or sump pump backs up - are you covered?  MAYBE.  But in most policies, even if the pipeetcisn't covered, all the other damage caused by the water usually is.  Water leaks inside a home or building are some of the most damaging and far reaching claims in the industry.


Other Examples of Damages Likely Covered by Insurance


All of these above incidents were SUDDEN, ACCIDENTAL, and CAUSED LOSS

Note - a deliberate or intentional act to cause damage is either vandalism (performed by someone against you/family member) or fraud (performed by you/family member)

If anything like the above has happened to you, or you have questions, CLICK HERE to get in touch with Brett ASAP


Final Comment:

An insurance policy is a CONTRACT with certain obligations.  While a repairman may be able to fix something to a certain level of functionality, the insurance policy requires your carrier to abide by a much stricter set of rules than whether it "works" or not.  If a door closes, it works - but that doesn't mean it closes like it did before.  That's the difference between repair and insurance restoration.

Get in touch - We`d love to hear from you

NJ: 3003091826
PA: 1189280
MD: 3003095726
VA: 1441469
NPN: 21052476

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