Account
Finance
- Finance
- Put Out a Kitchen Fire Yourself? The Call Order That Protects the Claim and the RenewalA pan fire smothered in seconds still leaves smoke damage and a decision, and the order in which you call people shapes both the payout and your next renewal.
- 4 min
- Finance
- First Policy in Your Hands? Five Checks That Tell You What an Exclusion Actually RemovesAn exclusion is rarely a flat no. Five checks show a first-time policyholder what the clause removes, what it gives back, and where the coverage is sold separately.
- 4 min
- Finance
- Five Checks on an Exclusion Clause, and the State Line That Changes the AnswerAn exclusion is not a single fixed thing: whether it holds depends on who wrote it, whether it was filed with your state, and what the definitions page says.
- 3 min
- Finance
- Insured for Less Than It Costs to Rebuild? The Third Party Who Set That NumberThe dwelling limit on your policy was produced by a cost-estimating tool licensed from a firm you never dealt with, and the inputs it used are yours to check and correct.
- 5 min
- Finance
- Insured for What the House Is Worth? The Clause That Scales Your Payout DownUnder-insurance rarely shows up until a partial claim is settled. Five checks that tell you whether your policy limit is a promise or a condition you have to meet.
- 5 min
- Finance
- Filed Two Small Claims in Five Years? What Your Next Renewal Already KnowsLoss history follows the address as well as the policyholder, and the practiced claimant decides what to report by reading the renewal three years out.
- 4 min
- Finance
- Rented the Tool, Skipped the Waiver. Where an Exclusion Clause Turns Up LaterExclusion clauses rarely announce themselves; they show up months later as a denied claim on a stolen toolbox, a rented saw, or a weekend project gone sideways.
- 4 min
- Finance
- Underinsured by Fifteen Percent, Borrowing the Rest. Where the Coinsurance Penalty LandsA shortfall on the declarations page rarely announces itself at renewal. It shows up as a financed balance after a partial loss, at whatever rate you can get that month.
- 5 min
- Finance
- Paid Your Premiums and Got Sixty Cents on the Dollar? The Clause That Set That NumberA property claims consultant on the coinsurance clause, why it bites hardest on small losses, and the household repairs people end up doing themselves once the check lands short.
- 4 min
Total12 entries49 min of reading