Buying your first home is an exciting time and a reason to celebrate. It is something you have been thinking about and planning for a while and will finally happen. While it is undoubtedly a reason to celebrate, there are essential commitments attached to purchasing a...
Homeowner Claims
How does fire affect your family photographs?
Like most Americans, you collect photographs of your family members. Not only do these photos help you remember loved ones, but they also allow you to document your children's growth. Whether you love to make scrapbooks or simply hang photos on your walls, it is...
What is a structural defect and when may I file a claim?
The United States Department of Housing and Urban Development defines a structural defect as a “major” failure that threatens a building’s components or its structural integrity. As noted by HUD, flaws in workmanship or materials may classify as structural defects. A...
What information do you need to file a homeowners insurance claim?
Whether you had a break-in or a storm tore off your roof, making an insurance claim will be your first step. But before you begin the process, it can help to try to have all the information you need at hand. Having the details and other information ready can make the...
Can plumbing fixtures survive a fire?
Few things can ruin a home faster or more completely than fire. In fact, according to the Zebra, house fires cause roughly $12 billion in damage in the U.S. every single year. This is because most parts of a damaged home require replacement. To a layperson, plumbing...
3 types of home damage that may lead to mold problems
Finding mold in your home means there could be an underlying water problem. Without immediate attention, the mold can spread throughout the house causing permanent damage and putting your family’s health at risk. Knowing how to handle these common causes of mold may...
4 types of property damage that result from fire
If you have experienced a fire on your property, you are not alone. According to the National Fire Protection Association, there were an estimated 1.35 million fires in the United States in 2021. Not only are these fires costly in terms of injuries and loss of life,...
What should you do when filing an insurance claim?
Your home is a major investment, so you naturally want to protect it from all sorts of perils. That is the purpose of home insurance, which can provide funds for repairs or replacement in the event a covered peril causes damage. Filing a home insurance claim is not...
What should you check after a house fire?
A devastating fire can leave your family reeling in the aftermath. Even without any injuries, you may face massive property damage that can affect every inch of your home in severe circumstances. Because even minor fires can cause so much damage, it is important to...
What should I know about acts of God?
Acts of God are natural occurrences considered something out of human control. This includes storms and all the associated issues that come with them, such as floods. Your homeowner's insurance policy likely covers many acts of God, but Policygenius warns there are...