Anyone who experiences a mishap and makes a claim for an insurance settlement wants to resolve the matter quickly. The insurance company wants to do sufficient research to determine the extent of the damages so that it only pays out only what it has to. The interests...
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Can homeowners reduce the risk of suburban wildfires?
Gone are the days when wildfires mostly put remote and rural properties at risk. For example, according to reporting from Colorado Public Radio, a wildfire destroyed more than 1,100 commercial and residential properties in a suburb of Boulder less than a year ago. The...
What does your homeowners insurance actually cover?
California is home to blazing sunsets and thousands of miles of coastline; however, along with the good comes the bad. Nothing can bring the Golden State to its knees quite like a natural disaster, and if you face filing a claim with your insurer for help, you do not...
New legislation increases insurer obligations
New California legislation taking effect on Jan. 1, 2023, will impact insurer obligations in various areas. The legislation covers fingerprinting, licensing disclosures, education mandates, and insurance fraud reporting. How might this legislation impact consumers in...
Information about special relationships in insurance
The law does not require businesses or individuals to take measures to prevent all foreseeable harm to customers. For example, an insurance agent needs only provide coverage that a client requests and does not have to anticipate every need. However, courts around the...
Do insurance companies deny claims for vacant homes?
Some California residents decide to move out of their homes while holding on to their property, or perhaps they just want to spend a few weeks in another state. However, this might cause a problem if your home suffers damage and you want to file a homeowners’...
How can your business insurance help you in case of fire damage?
No entrepreneur wants to think about the possibility of their business literally going up in flames. However, the possibility of wildfires and simple accidents forces you into a position in which you must think about how to protect your business interest in case of a...
Common reasons for a homeowners’ insurance claim denial
The purpose of homeowners' insurance is to provide you with a safety net should a disaster happen. While the process is typically straightforward, there are some common reasons you could receive a denial. Thankfully, you can often avoid them. Lack of documentation As...
Examples of bad faith insurance tactics
When you have a California insurance policy in place, it may give you peace of mind that you are not going to face financial failure in the event of a serious accident or injury. Yet, insurance companies are for-profit entities, and they generate money by collecting...
What is insurance bad faith?
Because you are a responsible homeowner, you are never late with your insurance premiums. This is true even though your insurance costs have climbed steadily over the past decade. Now that you need your insurance company to come through, you expect it to act quickly....