Yes, you need your own property insurance. The building or the office space being rented most likely does not ensure the business or personal property within the office space. You need to have separate insurance to ensure items like your desk or the computers or any other equipment are insured. You need to have insurance … Continue reading “I Rent My Office. Do I Need My Own Property Insurance?”
What is an EUO, and do I have to do it?
EUO is an examination under oath. The way I try to explain EUO is it’s essentially a deposition but a deposition happens during a lawsuit and EUO happens prior to a lawsuit. That’s the difference. They ask you questions about the claim and fact surrounding it. Now, you don’t have to do an examination. Unless … Continue reading “What is an EUO, and do I have to do it?”
Are Home CCTV Security Cameras a Good Idea?
CCTV security cameras are absolutely a great idea. If there’s vandalism or theft, at your home or business having that footage as evidence is important. I had a case where someone’s home was burglarized. The neighbors saw people fleeing with bags in their hands into their car and leaving and it was captured on their … Continue reading “Are Home CCTV Security Cameras a Good Idea?”
Vandalism of a Car in my Driveway.
What if a car is in my driveway? Which policy covers the car if it’s vandalized? The homeowners or car policy? Your homeowner’s policy should cover that situation. But that really depends on the language in the policy. If you’re faced with a situation of a car vandalized in your driveway, I suggest calling your … Continue reading “Vandalism of a Car in my Driveway.”
Vandalism, inventory is important.
It is extremely important to have a really good list of items in your home or business in case you suffer theft or vandalism. A good inventory is a vital part of an insurance claim. You want to make sure that every item that you potentially need to claim is put on that list. Otherwise, … Continue reading “Vandalism, inventory is important.”
What is Covered in a Cast Iron Pipe Claim?
If you’re experiencing damage from cast iron pipes, you’re wondering what is covered? Typically, it is the water damage that ensues as a result of that cast-iron deteriorating. If you realize you have some sort of leak in your bathroom and that leak, damages the baseboard, drywall or any vanity that you have in the … Continue reading “What is Covered in a Cast Iron Pipe Claim?”
Water Damage Claims and the Role of an Insurance Claim Attorney
We all buy insurance to secure our assets in case of damage or disaster. Among them, home insurance is one of the most commonly-bought insurance products. It covers many things, such as damage to the property due to water seepage or flooding, and even a burst pipe. The extent of the damage due to water … Continue reading “Water Damage Claims and the Role of an Insurance Claim Attorney”
Water Damage Claims Coverage
Most homeowner’s policies cover water damage not caused by flooding. Many policies will cover water damage from a sudden incident like a burst pipe but does not provide coverage if the water leak was continuous for a period of 14 or more days, months, or even years. An attorney can provide legal guidance on how … Continue reading “Water Damage Claims Coverage”
3 Key Elements of a Comprehensive Disaster Preparedness Plan
A Comprehensive Business Disaster Plan Florida hurricane season just around the corner. Would your business be able to recover from any natural disaster? A few years ago hurricane Irma threatened Florida. As the hurricane bands kept swirling and touching parts of the State, news channels showed devastating images of rooftops blowing away, trees downed and debris … Continue reading “3 Key Elements of a Comprehensive Disaster Preparedness Plan”
How to Dispute an Insurance Claim Denial or Settlement Offer
When your property is damaged or destroyed, it can feel as though your safe place, your home, is no longer safe. You may feel angry, upset, helpless, and overwhelmed. And when you file a claim against your homeowners insurance policy and your insurance company denies your claim or offers significantly less than the cost of … Continue reading “How to Dispute an Insurance Claim Denial or Settlement Offer”