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Tag: Smart Coverage Insurance Solutions

Homeowners: Beware of These Five Types of Construction Fraud

Homeowners: Beware of These Five Types of Construction Fraud

When warm weather arrives, so do crooked contractors who want to steal from homeowners. They provide bogus repairs that are not even necessary. In some cases, no work at all is done after they receive an initial payment. While most contractors out there are honest, it is usually the ones who go from door to door offering help who are untrustworthy. Good contractors do not...

Three Bills Aim to Tackle Claims Issues After Wildfires

Three Bills Aim to Tackle Claims Issues After Wildfires

State senators have introduced three new bills that aim to address major insurance issues exposed by last year's Malibu and Altadena fires, particularly inadequate policy limits and living cost provisions that run out before a home is rebuilt. The proposals focus on what happens after a declared disaster. When homeowners are displaced, rebuilding costs spike and many people discover their coverage falls short. Together, they...

Top 8 Reasons Why Homes Catch Fire and How to Prevent Them

Top 8 Reasons Why Homes Catch Fire and How to Prevent Them

Fires are the most common claim for homeowners and they can start in a variety of ways. The causes of these fires range from food left unattended on the stove to candles left burning. A majority of these fires are preventable with some forethought and care to minimize the risks. Here are the eight most common causes of house fires as identified by the National...

Be Extra Careful Driving in Work Zones

Be Extra Careful Driving in Work Zones

Some of the riskiest locations for roadway collisions are work zones, as they often result in changes in traffic patterns and right of way, along with workers present and large commercial vehicles on the scene. Work zones are designed to improve the safety of workers who are enhancing or repairing roads, freeways, bridges, sewage and other infrastructure by separating construction and maintenance activities from traffic....

When Sewage Comes Back: A Costly Homeowner's Nightmare

When Sewage Comes Back: A Costly Homeowner's Nightmare

Few homeowner nightmares compare to sewage backing up through a toilet, shower or basement floor drain. Beyond the mess and health concerns, sewer backup events can cause extensive damage to flooring, drywall, furniture and personal belongings — and many homeowners are shocked to learn that their standard homeowner's insurance policy typically does not cover the loss. According to the Environmental Protection Agency, approximately 75,000 sewage...