Policyholder Question: Who is responsible when your insurance company’s preferred contractor causes additional damage or botches the job?

Insurance Claim Tips, Policyholder QuestionsLeave a comment

Here is an insurance claim question that we recently answered as a contributing member of insurance claim experts for United Policyholders who advocates for property owners. Q. The restoration company who repaired our home after an attic fire caused a contamination of fiberglass insulation by improperly clearing and cleaning the attic from smoke damaged insulation.  We know that…

Policyholder Question: Can I Refuse Cleaning and Inventory Services from my Insurer?

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Here is an insurance claim question that we answered as a contributing member of insurance claim experts for United Policyholders who advocates for property owners. Q. Can the insurance company force you to use an outside vendor to inventory your personal contents rather than allow you to do it yourself?  Can you refuse cleaning and inventory services that…

Policyholder Question: How Much Depreciation Should be Taken for a Driveway?

Fire & Smoke Damage, Insurance Claim Tips, Policyholder QuestionsLeave a comment

Here is an insurance claim question that we answered as a contributing member of experts for United Policyholders who advocates for property owners. Q. What, if any, should be acceptable ACV on a driveway and walkway on a personal residence?  House was demolished by fire and working with adjuster on fair settlement value of these surfaces.  Policy provides…

Policyholder Question: Frozen Pipe Burst Claim Dispute - Is it Time to Hire a Public Adjuster?

Policyholder Question: Frozen Pipe Burst Claim Dispute – Is it Time to Hire a Public Adjuster?

Insurance Claim Tips, Policyholder Questions, Water Damage & Plumbing LeaksLeave a comment

Here is an insurance claim question that we answered as a contributing member of experts for United Policyholders who advocates for property owners. Q. I had an upstairs pipe burst 1 month ago that caused damage to the upstairs bathroom (tile & drywall), carpet in upstairs (hallway & one bedroom), all of downstairs kitchen (walls, cabinets, ceiling,…

Policyholder Question: What’s Covered in a Pipe Leak Water Damage Claim?

Insurance Claim Tips, Policyholder Questions, Water Damage & Plumbing LeaksLeave a comment

This Q&A came via a question we were asked via the United Policyholders “Ask the Expert” feature that we contribute to. Q. I have filed a claim for water damage to my living room. The adjuster provided details of coverage prior to mitigation, for $1, 762.68 including my $1,000 deductible; for which I paid. The mitigation folks provided…