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What is Ordinance or Law Coverage and Should I Have It?

If you've ever looked into purchasing insurance for your home or business, you may have seen something called "Ordinance or Law Coverage" listed on the policy. This coverage can be confusing to those unfamiliar with it, so let's take a closer look at what it is and if you should consider having it. What Is Ordinance or Law Coverage? Ordinance or Law Coverage protects consumers from additional costs in repairs due to changes in building codes and...

Mitigation: The First Step towards Home Recovery After Disaster

When disaster strikes your home, it can be a difficult and overwhelming experience. It is important to have a plan of action in place to ensure that your home is properly recovered and restored, and the first step of this plan should always be mitigation. Mitigation involves the process of minimizing the damage caused by a disaster, preventing further damage from taking place, and restoring any damaged areas as soon as possible. Let’s take a look at why mitigation is so important for yo...

Understanding how sub limits in policy’s work

When filing an insurance claim, understanding the details of your policy is essential. One of the most important elements of an insurance policy is its sub limits, which are set limits on certain types of losses that may occur. Sub limits can have a major impact on the amount of money you receive from a claim and can vary significantly depending on the type of coverage you have. To help you better understand how sub limits work, let's take a closer look at what they are and why they&rsquo...

What’s the Difference Between Vandalism and Intentional Loss?

Have you ever experienced vandalism or intentional loss to your property? It can be a frustrating and confusing experience. To make matters even more complicated, it can be difficult to determine the difference between vandalism and intentional loss. That’s why it is important to understand these nuances before filing a claim with an insurance company. Let's explore the differences between these two types of claims. What is Vandalism? Vandalism is typic...

What is Right to Repair and How Does it Work?

It’s no secret that getting a policy for property damage can be complicated, especially if you’re trying to figure out what rights you have as a consumer. One of the most important aspects of any property damage policy is known as “Right to Repair”. Understanding what this means and how it works can help you get the most out of your policy and understand the coverage you have in case of an emergency. What is Right to Repair? In its simples...

Pre-existing Damage and Your Insurance Claim

You just bought a new home and are in the process of finalizing your homeowners insurance. Part of the process is declaring any pre-existing damage to your home so that it can be factored into your premium. But what exactly is pre-existing damage? Pre-existing damage is any type of damage to your home that existed before you purchased your homeowners insurance policy. It's important to note that not all pre-existing damage is covered by insurance. Whether or not the damage is co...

Understanding Preferred Vendor Requirements in Insurance Claims

When filing an insurance claim, you may hear the term ‘preferred vendor’. It can be confusing to know what this means and if you are required to use a preferred vendor for your particular situation. In this blog post, we will explain the basics of preferred vendors and why they can be valuable for customers who need to file an insurance claim. What is a Preferred Vendor? A preferred vendor is an individual or business that has been approved by an insu...

Land Clearing Services After an Insurance Claim Pays

What is Land Clearing? Land clearing is the process of removing debris, trees, and other obstacles from land that has been damaged by natural disasters such as fires or floods, or from land that is being cleared for new construction projects. This is done for safety reasons, as well as to make way for new development or repurposing of existing property. It requires special equipment and expertise to ensure that all debris is properly removed and disposed of in accordance with loca...

What Are Additional Living Expenses (ALE)?

  When it comes to insurance claims, the term Additional Living Expenses (ALE) is an important one. ALE refers to expenses incurred due to having to leave your home for a period of time due to damage that makes it temporarily uninhabitable. Knowing about ALE and how it works can be invaluable when you are filing an insurance claim as a public adjuster in Orlando. Let’s take a look at what ALE is and how it works. What Are Additional Living Expenses?...

The Difference Between Coverage A, B, C & D

  When you’re trying to understand the different types of insurance coverage available to you, it can be challenging. It is important to know the different types of coverage that are offered for public claims adjuster in Orlando so that you can make sure you have the best coverage for your needs. Here is a breakdown of each type of coverage and what it covers.  Coverage A Coverage A refers to property damage caused by natural disasters o...