A major source of claims in both residential and commercial property policies is water intrusion from weather-related sources. Some policies cover such damage and others don’t. But even those that do usually provide conditional coverage based on the insured’s actions (or inaction).
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An article I read recently made me wonder how many of my agent peers understand the issue of wildfire smoke, so I wanted to share several lessons learned regarding wildfire smoke claims following the 2012 Waldo Canyon wildfire.
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Although most commercial property policies provide examples of how coinsurance works, WHY policies have such a clause is a mystery to most insureds…and many agents. So, let’s examine the principle behind coinsurance in a way that can be easily explained to business owners or new hires….
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Beginning in April, you will have two options for a 12-hour series of webinars based on the book “When Words Collide: Resolving Insurance Coverage and Claims Disputes.” One option is less expensive and includes access to dozens of other webinars but provides no CE credit. The other option is slightly more expensive but includes CE credit in a number of states. Choose the one that works best for you.
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A plumbing line freezes and bursts, causing extensive water damage. Is this covered by homeowners and commercial property policies? Well, it depends. Four blog posts enumerate several coverage issues pertaining to frozen water pipes.
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An agent wrote a commercial property policy with a Special Causes of Loss form attached. That is,...
Read MoreDo you routinely offer additional limits of debris removal coverage? If not, the Paradise, California wildfire might help you and your customers understand why this is so important.
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The news has been dominated lately by the California wildfires. As a result, I’ve had several questions about the insurance and risk management implications that are addressed in this article.
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BONUS! Purchasers of this book get a free PDF download of my book “QuoteNotes: The Ultimate Quotational Reference System and Authoring Tool for Professional Speakers and Writers” endorsed by Zig Ziglar and Brian Tracy. This is an indexed and cross-referenced compilation of my 1,500 favorite quotes and includes a section on how to use quotations in your speaking and writing.
To get BOTH books at a discounted price, click the book cover or CLICK HERE.