The Hidden Risk in Your Property Insurance: Understanding Protective Safeguard Endorsements (PSEs)
What Are Protective Safeguard Endorsements? When reviewing your property insurance policy, you may come across a section called a Protective Safeguard Endorsement (PSE). At first glance, this may seem like just another technical clause, but in reality, PSEs can put your entire insurance coverage at risk if not fully understood and properly managed. A Protective […]
How to Create a Comprehensive Home Inventory Checklist for Insurance Claims
Why Every Homeowner Needs a Home Inventory Disasters like hurricanes, fires, or floods can strike when you least expect them, causing severe damage or even total loss of your home and belongings. While having the right insurance policy is critical, many homeowners forget one important step: creating a home inventory. A detailed home inventory checklist […]
Congressional Representatives Demand Action on Hurricane Insurance Claimsin Florida and the Southeast
Table of Contents 1. The Push for Accountability in Hurricane Insurance 2. What Congress is Doing to Help 3. Why This Matters to Homeowners in Florida and the Southeast 4. Tips for Navigating Hurricane Insurance Claims 5. Get Help From a Local Advocate in Bradenton, FL The Push for Accountability in Hurricane Insurance Recent hurricanes […]
What Can or Can’t Be Covered in Your Insurance Policy?
What Does Your Damage Look Like? What Can or Can’t Be Covered in Your Insurance Policy? Understanding what damage your insurance policy covers can be like navigating a complex maze. Have you ever found yourself wondering if your policy covers all scenarios? Let’s delve into this intriguing topic together. The HomeOwner’s Advocate offers insights that […]
When To Update a Home-Insurance Policy?
There are a number of things people update periodically: Their wardrobe. Their resume. Their Facebook status. Their phone. But what about their HomeOwners Insurance policy? Those who only take a good look at their coverage when they first buy their home or when they’re shopping around for a new insurer could be missing out on both […]
Weather, inflation and home values: The perfect insurance storm!!
Several converging factors in 2024 create a challenging market for consumers looking for home insurance coverage. Insurance companies are taking a close look at their books of business as weather has changed in severity, frequency and geography. Historically, the threat of hurricanes was the biggest weather concern from a carrier perspective, limiting risk mostly to coastal […]
Tips for Providing a Defensible Opinion of a Forensic Assessment
When a water loss has occurred in a structure, a variety of professionals can be involved in the steps taken to return the affected area to a pre-loss condition, such as restoration and remediation contractors, indoor environmental professionals (IEP) and forensic experts. It is becoming more common for forensic experts to be involved in the […]
Public Adjuster
In the aftermath of a Tornado, you’re probably dealing with more than just physical property damage—navigating the insurance maze may be emotionally draining as well…
HOA
Differences in HOA Policies? Know your Policy Coverages
There are 16 covered perils on a broad form policy. They are…
How to Prepare For a Hurricane
1. Put a Disaster Plan into Action 2. Check Emerency Generators & Supplies 3. Photograph or Video Premises – keep a visual…
