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What are the best and worst homeowner’s insurance companies when you actually have to file a claim?

I’ve worked with insurance companies for over 30 years, and I work with them when the chips are down; when they either do the right thing or try every trick in the book to keep you from getting what you … Continue reading

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What is the Difference between HO-2 – “Named Peril” and HO-3- “All Risk” homeowner insurance policies?

Now for more “insurance lingo” explanations Nowadays, the typical Homeowner’s policy comes in two basic forms, an HO-2 and an HO-3. For better or worse, an HO-3 policy is referred to in the business as an “All Risk” policy. This … Continue reading

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What winter damage is usually covered and what is not covered by your homeowner’s insurance policy?

Wind damage If rain or snow enters your home or business through the area caused by the WIND DAMAGE, you are most likely COVERED. For example: if a tree breaks through your roof, and rain destroys your bedroom, the roof … Continue reading

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