Author Archives: Tavisha

Kitchen Cabinet Damage: Can We Make Your Homeowner’s Insurance Pay?

You’ve had a flood in your kitchen. You’re now wondering how to get insurance to pay for your water damaged kitchen cabinets. Will most homeowner’s insurance cover a water damage emergency (and the cleanup)? Will they pay for water damage to cabinets? That depends. Sudden & Accidental Homeowner’s insurance is designed to cover sudden and […]

Wilshire Insurance’s Loss Settlement Endorsement LSH01

Are you a Wilshire Insurance Company policyholder? If so, you’ll want to pay attention to what I’m about to tell you.  If you have a homeowner’s policy, you may have read (or likely did not read) the Loss Settlement Endorsement that came with your new policy or renewal.  No, it’s not sexy, but you’ll thank […]

State Farm Does NOT Pay For Plumbing Access in Arizona

Slab Leak Arizona

      Arizona Homeowners insured with State Farm Insurance need to be aware that State Farm does not pay for plumbing access costs.  For many of our clients, that can amount to thousands of dollars of out-of-pocket costs when their plumbing fails by bursting or collapsing, causing damage to their homes.  If you’ve had […]

Water Damage Claims: Treat Your Claim Like a Crime Scene!

One of the most unfortunate situations we run across in our industry is when a homeowner has experienced a water damage claim (burst pipe, failed water supply line, water heater failure, etc.) and by the time they call us to come out to their home, all the damaged areas are gone – removed and discarded […]

American Summit Insurance Company – Limit of Liability for Water Losses

AMERICAN SUMMIT INSURANCE COMPANY – LIMIT OF LIABILITY FOR WATER LOSSES This is the first in a series of posts highlighting specific insurance company’s policies.  The reason we picked this one is because it’s relevant to one of our “water loss” clients at the moment.  Our firm specializes in water losses and fire losses.  One […]

A Homeowners Policy is a Homeowners Policy, Right?

PURCHASING YOUR HOMEOWNERS POLICY When you meet with your insurance agent to buy your homeowners policy, how much time do you really spend with them going over the various coverage options available to you?  If you’re like most people, you count on your agent to sell you the policy you need – the one that […]

Slab Leaks: Don’t Ignore Warms Spots on the Floor

Over the past month, our firm has seen quite a few slab leaks.  Typically, when there is a plumbing failure in the concrete slab and water goes everywhere – creating damage in your home or business – the insurance company will pay to either break open the concrete to gain access to the plumbing that […]

Don’t Get Caught With a Coinsurance Penalty.

I had the pleasure of meeting a very nice couple a few weeks ago.  They called our office to come and take a look at damage from an apartment fire that occurred in one of the multi-family buildings they own in Tucson. During our initial telephone call, I asked some of the particulars about their […]

Replacement Cost, Actual Cash Value, and Depreciation Defined

If you’ve ever gone through an insurance claim involving any type of property loss, you’ve probably heard the insurance company’s adjuster throw around terms like “Replacement Cost,” “Actual Cash Value” or “ACV,” and “Depreciation.”  These are all standard terms that those of us within the industry are familiar with.  However, to the average policyholder the […]

The Dangers of Being Underinsured?

I’m currently working on a fire claim for a client who is underinsured on their home by just under 20%, and on their personal property by at least 50%.  They, like many homeowners here in the Phoenix area, thought that insuring their home for the market value would be sufficient. However, the market value of […]