Our Recent Posts

Kitchen Cabinet Damage: Can We Make Your Homeowner’s Insurance Pay?
November 15, 2021

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 [...]

Wilshire Insurance’s Loss Settlement Endorsement LSH01
June 30, 2016

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 [...]

Slab Leak Arizona
State Farm Does NOT Pay For Plumbing Access in Arizona
April 14, 2016

      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 [...]

Water Damage Claims: Treat Your Claim Like a Crime Scene!
August 12, 2015

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 [...]

American Summit Insurance Company – Limit of Liability for Water Losses
February 9, 2015

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 [...]

A Homeowners Policy is a Homeowners Policy, Right?
February 3, 2015

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 [...]

Slab Leaks: Don’t Ignore Warms Spots on the Floor
December 19, 2014

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 [...]

Is Your Personal Property Protected?
June 4, 2014

Everyone has personal property – possessions that are new and old – that they would like to protect in case the unthinkable should happen.  I’m going to tell you about [...]

Don’t Get Caught With a Coinsurance Penalty.
March 23, 2014

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 [...]

Replacement Cost, Actual Cash Value, and Depreciation Defined
December 5, 2013

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” [...]

The Dangers of Being Underinsured?
November 11, 2013

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, [...]

Don’t Miss Your Deadline to Receive Recoverable Depreciation
September 28, 2013

Often when people file an insurance claim, they don’t understand how recoverable depreciation works with their replacement cost policy.  As Arizona public adjusters, we help our clients meet every deadline [...]