You have just experienced a property damage claim (fire, water, wind, hail, etc) to your home or business. So what do you do now? Do you immediately start cleaning up the mess? Do you start making repairs? Where will you live or relocate while repairs are taking place? There are things that you must … Continued
What happens if you cannot pay your mortgage payment ? One of the scariest things that many homeowners have to face is the possibility of foreclosure. Facing the prospect of not being able to pay your mortgage, and the possibility of losing your home, can be a discouraging blow for any family to bear. Changes to … Continued
Q: What are the most common reasons why an insurance company would deny a property damage insurance claim? A: Insurance companies deny property damage insurance claims for a variety of reasons. Some policies only cover certain types of losses. These are called named peril policies. For example, basic named peril policies may not cover … Continued
Question: What is Title Insurance, why do I need it? Steve’s Answer: Title Insurance is an insurance policy that you purchase to insure that you actually receive good title to the property that you are purchasing. It also covers you in certain situations, such as in claims of encroachment. Title Insurance is required by … Continued
Q: What is an Examination Under Oath and do I have to appear at the Examination Under Oath requested by my insurance company? A: An Examination Under Oath (“EUO”) is a proceeding where your insurance company or its attorneys question you under oath regarding the facts and circumstances surrounding an insurance loss. Those questions are … Continued
Q: What is Home foreclosure? A: Home foreclosure is a process by which a lender regains a property which they have financed. Typically, this is because the borrower or homeowner is behind on loan payments and can’t catch up. Unfortunately, this is often due to circumstances beyond a homeowner’s control. When the lender forecloses on … Continued
What are the most common reasons why an insurance company would deny a property damage insurance claim? Insurance companies deny property damage insurance claims for a variety of reasons. Some policies only cover certain types of losses. These are called named peril policies. For example, basic named peril policies may not cover an unnamed peril … Continued
Nowadays, more and more people who go to sleep at night believing they are protected by their home or business insurance policies are waking up to reality. Insurance companies have become experts at the ridiculous. Denial letters are issued by the truckload based upon any and every conceivable loophole which they perceive exists and quite … Continued