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Expert Guidance for Unclear Moments

Explore expert insights, advice, and tips to help you with your home insurance claims.

Claim Insight: I Just Accepted an Insurance Check—Now What?

Claim Insight: I Just Accepted an Insurance Check—Now What?

Getting that insurance check in your hand after a property loss can feel like a relief. But don’t let the relief turn into confusion. Once the check arrives, you’ve still got work to do, especially if your mortgage company is listed on the check or you’re about to start repairs.

June 6, 2025
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Policy Insight: What Is an Endorsement, and Do I Need One for My Property Insurance?

Policy Insight: What Is an Endorsement, and Do I Need One for My Property Insurance?

An endorsement, also known as a rider or amendment, is an add-on to your standard insurance policy that modifies, extends, or limits coverage. In other words, it's how you customize your insurance to fit your specific needs.

May 30, 2025
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Policy Insight: Made Home Upgrades? Here’s Why Your Insurance Needs to Know

Policy Insight: Made Home Upgrades? Here’s Why Your Insurance Needs to Know

If you don’t tell your insurance company about those upgrades, they might not be fully covered. And when the unexpected happens (hello, water leak), that could leave you footing the bill for improvements you already paid dearly for.

May 23, 2025
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Policy Insight: What is Accidental Direct Physical Loss (ADPL)?

Policy Insight: What is Accidental Direct Physical Loss (ADPL)?

Insurance terms can sound like they’re written in ancient runes, and “Accidental Direct Physical Loss” (ADPL) is no exception. But if you’re a homeowner looking to protect your biggest asset, this is one term you should definitely understand.

May 23, 2025
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Claim Insight: Who’s Adjusting Your Claim? (Spoiler: It Might Be Someone With Zero Real Experience)

Claim Insight: Who’s Adjusting Your Claim? (Spoiler: It Might Be Someone With Zero Real Experience)

Many insurance carriers are now hiring adjusters with little or no real-world experience to handle homeowner claims. These individuals may have passed basic state licensing exams (some of which are shockingly easy), or they're operating under temporary emergency licenses, which fast-track them into the field without a true understanding of construction, valuation, or — perhaps most crucially — insurance law. Here’s why that matters for your property claim — and how to protect yourself.

May 15, 2025
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Policy Insight: How Much Home Insurance Do You Really Need?

Policy Insight: How Much Home Insurance Do You Really Need?

When it comes to insuring your home, there’s one question we hear again and again: “How much coverage do I actually need?” And we get it, property insurance isn’t exactly a thrilling read on a Saturday morning. But get this wrong, and a burst pipe or wind-damaged roof can turn into a much bigger financial headache.

May 9, 2025
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Claim Insight: I Have a Renter’s Policy, What Does That Cover?

Claim Insight: I Have a Renter’s Policy, What Does That Cover?

Many renters assume their landlord’s insurance protects them, but that policy only covers the building itself—not your personal belongings or liability.

April 25, 2025
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Claim Insight: Can I Help My Parents File? How to File a Property Insurance Claim on Behalf of Someone Else

Claim Insight: Can I Help My Parents File? How to File a Property Insurance Claim on Behalf of Someone Else

Yes, you can help your parents (or someone else) file a property insurance claim, but there are important steps and legal considerations to keep in mind.

April 18, 2025
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Claim Insight: Understanding Additional Living Expenses (ALE)

Claim Insight: Understanding Additional Living Expenses (ALE)

Additional Living Expenses (ALE) coverage can be a financial lifesaver. But what exactly does ALE cover, and what are its limits?

April 11, 2025
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