Freezing temperatures not only can affect driving conditions, it can cause havoc on your pipes.  One of the most common claims(other than sump-pump failure) at your home is a frozen pipe bursting and leaking water to all parts of your home.  It is common and costly.  Broken pipe claims average $15,000.00 of damages to your [...]

The biggest reason a vacant home can be difficult or expensive to insure is because a very small problem left unattended can become a very large problem. Take for example a leaky sink. I insured an apartment building a few years ago and when the tenant moved out they did not turn off the [...]

Recently, a situation came up with an insured that in the end is not going to be happy.  They have reached their policy limit with their personal property coverage.  Now, in retrospect everybody played a part in the displeasure of the client.  The agent, adjuster and restoration contractor all played a role in the communication [...]

We here at the Insurance Paper wish everybody a safe holiday.  It’s a great time to reflect on the year and be thankful for the blessings that we do have, even though trials can be hard to forget. There is always something to be thankful for, just take a second and think.
Along with all this [...]

You just had an insurance claim at your home and you are not happy.  Your house is in shambles and there is nothing you want more than to be able to be in your home under normal circumstances.  The thought of dealing with your insurance company makes you cringe and you just HOPE that the [...]

The claim process can be full of priorities.  Paperwork, returning phone calls, proof of loss, unrestoreable contents and above all else the client should be the highest priority. One of the biggest problems; everybody is different.  Wow, that is really profound, I know.  But really, you have to truly grasp the idea when a claim [...]

A fire at someones property can be one of the most devastating things that can happen. Damages can range from a small smoke damage from an over cooked turkey to a total destruction from a candle fire. This results in the family misplaced out of their home for months while their house is [...]

In my opinion renter’s insurance is one of the best deals in the business(besides term life insurance but I will save that talk for another day). Most people assume when renting a home/apartment they are covered with the complex or the house they live in. This is RARELY the case.
Using an apartment complex [...]