Homeowners Insurance: Uncovered My grandfather used to tell me that words are very powerful “You could tell someone that their beauty is timeless and they could hear you say that their face could stop a clock.” We seem to pay less attention to words now more than ever. Insurance, though, is
Homeowners Insurance: Uncovered Water, Water, Everywhere. One of the biggest questions we face in the insurance industry is coverage for water. Unfortunately, the standard homeowners policy provides very limited coverage for water. I will take some time to explain the different sources for water damage and then provide some options
Auto Insurance: Uncovered How do medical bills related to an “auto accident” get paid? We deal with some very strange concepts in insurance. One of the more peculiar issues with which we deal is the issue of “No Fault” medical expense coverage. In 1974, Pennsylvania began to require automobile insurance coverage.
Homeowners Insurance: Uncovered Property insurance coverage can be purchased to include protection from all sorts of things. It is possible to buy coverage against just fire and wind. It is possible to secure coverage called “special form” protection. This “special form” coverage affords the broadest coverage available. There are somethings that
Many of our clients ask whether they should purchase AAA or go with their auto insurance provider’s roadside assistance program. Many insurance companies including Travelers and Progressive offer affordable roadside programs, and they often cost much less money for nearly identical benefits. Both AAA and insurance company roadside assistance programs
Homeowners Insurance: Uncovered The National Flood Insurance Program has established a legal definition for a flood as follows: A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow. Flooding occurs in EVERY state! Many
Auto Insurance: Uncovered We spend a significant amount of time advising our clients about what insurance will do for them. We think it is equally important that we advise them of some of the basic areas where insurance will never respond. The past blog dealt with issues not covered by
Happy Valentine’s Day! For those of you who are giving or receiving the gift of jewelry, make sure you consider insuring those items. In the event of a loss you will have peace of mind knowing your beloved items are adequately covered. Under your homeowners policy, this endorsement would cover
Your insurance covers a multitude of things. Unfortunately, it does not cover everything. Over the next few weeks, we are going to cover a series of things that are not covered by your home or auto insurance. This week is focused on auto. General maintenance and wear and tear are
I have been spending a lot of time in the car lately. Listening to terrestrial radio gives you the opportunity to hear all sorts of ads for all sorts of crazy things. The one that recently caught my attention was the ad for the Home Warranty. It started out by
