Why your home insurance policy might not cover water in the basement
Water in a basement is the claim I denied most often, and it was never because the damage was not real. It was because of which direction the water came from.
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How your auto insurance deductible affects windshield claims
A chip in a windscreen is one of the few insurance questions where the right answer is often to not make a claim at all, and the arithmetic takes about a minute.
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Why you received a nonrenewal notice from your home insurance company
A nonrenewal is not a cancellation. That distinction matters and it is the first thing to understand when the letter arrives.
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What the actual cash value clause means for your older roof
Two houses on the same street, same hail storm, same damage, same insurer. One homeowner gets a cheque for twenty-two thousand dollars. The other gets eight.
