Claims Guide

The short answer is that a denied home insurance claim may count against you. Two important factors that lead to a denied claim counting against you or not are your location and your insurance provider. Some states give insurance companies the ability to factor in denied claims to the premium rate that is assessed and ... Read more

When the unthinkable occurs, it can leave you with a severely damaged home and a lot of work to organize and implement. This can translate to thousands of dollars, and all of that money typically comes from an insurance policy claim payout. When an assessment takes place, and work is set to start, a vendor ... Read more

If you need to file a homeowners insurance claim, it is important that you accurately assess your home for damages. This means taking a look at your belongings to see what has been damaged and what is in need of repairs or replacements. Creating this list is simple when you know exactly what the insurance ... Read more

There are plenty of reasons one might want to check their home insurance claims history. Perhaps you want to check for fraud or want to get an understanding of why your premiums are what they are. Luckily, checking your home insurance claim history can be quite straightforward. While the specific process may vary among different ... Read more

Home insurance offers you financial protection in a variety of circumstances, including financial loss due to injury or damage of or on your property. What you might not know is that having high claims frequency, how often you report a claim on your home insurance, can have a negative impact on your ability to maintain ... Read more

It’s difficult to know what to do when your homeowners insurance company won’t pay. Each insurance company is different and they all deny insurance claims for a variety of different reasons. Most homeowners become furious at the concept that their insurance carrier would dare to deny their claim after all the money that they pay ... Read more

The trauma of dealing with a natural disaster that destroys your property or home is painful enough for a policyholder, but adding the stress of an adjuster who wants to come in with a low estimate or flat out deny the claim can be jarring. Although it will add to your troubles and cause extra ... Read more

If you are a homeowner or a renter whose insurance provider is not responding to a claim, there is, unfortunately, no particular federal law that mandates a payout timeframe for insurers. It can take several weeks for an insurance company to issue payout or it can take several months after you file a claim based ... Read more

Receiving a letter in the mail that your homeowners insurance will not be renewed the next fiscal year can be shocking and disheartening. You may have filed two or three claims and still had your insurance company cancel your policy. You may have filed only one claim in your time with your insurance and still ... Read more

Insurance companies use compiled information and data to describe their clients and the risk they represent, similar to a credit score.  Say, one windy night a tree fell on your house, damaging your roof. You filed a claim, they sent you money, your roof is fixed, and everything is back to normal. However, now that ... Read more