Consulting
One of our values is empowerment, and that is what we strive to achieve with you during a consultation. Sometimes, you want to speak with an attorney before a dispute arises, but without giving up a large contingency fee percentage of your claim payment. We offer flat fee consultations to homeowners with small losses and businesses with targeted needs. Let us review your records to prepare for our conversation. Our consultations include helpful documents to explain the complicated insurance industry, its practices, the claims process, and litigation overview.
Articles
Creepy Homeowners Insurance Court Decision
The June 2020 issue of Business Insurance magazine (p. 38) includes a blurb about an Alabama federal court of appeals case involving a homeowners claim for the presence of brown recluse spiders. No citation for the case is provided, […]
The Invisible But Potentially Catastrophic Homeowners Exclusion That’s Not An Exclusion
For most Americans, by far their most valuable asset is their home. In order to protect that asset from loss, most consumers insure the replacement cost of their homes with a homeowners policy. Most homeowners policies cover the dwelling “where […]
Hail Damage Dilemma
Bill Wilson, CPCU, ARM, AIM, AAM
Here is a pretty common situation. A roof begins to leak during a heavy rain storm and the property owner reports the claim to the homeowners insurer. An investigation reveals that the loss resulted from […]
5 Changes to Homeowner’s Insurance Forms in 2022
It’s been over a decade since the Insurance Services Office (ISO) made a major multi-state filing to homeowner’s insurance forms. But, in March 2022, there will be a lot of changes to keep up with. This includes:
- Adding 13 new […]
Public adjusters help policyholders, period.
“Hey, Clint—what’s a public adjuster?”
This is a common question I receive from policyholders after they experience a loss. The term adjuster is used in the insurance industry to describe someone who inspects a loss, documents the loss, and determines whether […]
Your homeowners’ insurance coverage limits might be inadequate. Here’s why.
I am a dog person.
I have a 70 lb. Weimaraner named “Banksy” and she needs all the running room she can get. Last November, I got a quote for a wooden fence to enclose the yard. I wasn’t quite ready […]