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Loan Insurance: What Are The Options?
By SeanH-9584
You have probably had the experience of applying for credit for a new car or household appliance, and finding yourself the object of a hard sell to take out loan insurance on top. Or even worse, Read more...
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California Homeowner’s Insurance - 7 Tips For Ensuring Proper Residential Coverage
By Krista Farmer
Owning and maintaining a home is one of the largest financial responsibilities you will ever have. If it has been awhile since you have looked at your homeowner's policy, it is time to examine your coverage to be sure you are prepared in the event of disaster. Consider the following tips to be sure you're not in a mess the next time you file a homeowner's claim.
1) Request written guidelines from your adjuster regarding how claims will be adjusted.
2) File away copies of all correspondence between you and your insurer.
3) Be sure you call the California Department of if you consider hiring a public adjuster. You want to ensure s/he is properly licensed.
4) Keep all receipts of your living expenses and any other documents that pertain to your or property. Keep those documents in one location, chronologically ordered, so they are easily accessed.
5) Log all phone calls between you and your adjuster.
6) Never speculate about what has been damaged or lost. Always stick to business and share only factual information.
7) Understand the Unfair Practices Act and Fair Claims Settlement Practices Regulations published by the California Department of Insurance. You can retrieve copies from the web site (www.insurance.ca.gov) or by phoning 1.800.937.HELP.
Now that we've covered tips things to keep in mind when you file a homeowner's claim, let's do a quick overview of the homeowner's coverage available to you. Remember that these policies can fall into several categories.
Replacement cost coverage - Pays the cost of repairing or rebuilding your home or replacing your possessions without a deduction for depreciation.
Guaranteed/extended replacement cost coverage - This is the highest level of protection. Guaranteed replacement pays the cost to rebuild your home as it was before the disaster - even if that cost exceeds the policy limit. This policy will protect you against increases in homebuilding costs or other unexpected situations. In most cases this coverage will not compensate for home upgrades to comply with building codes. If your home is older, this policy may not be available to you. Extended policies pay a percentage over the
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Van Insurance Quotes -- Find The Right Cover For Your Business
By Peter Fitzpatrick
It is essential to ensure that you can find good value van insurance quotes for your company - the difficulty is that the huge amount of insurance terminology can occasionally make it hard to figure Read more...
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Wrecked: Insurance Policy Cancelled Over Two Accidents
By Lee Romanov
Car insurance rates go through the roof when consumers are involved in one accident or more. Nobody wants to be in an accident, but some are unavoidable and sometimes beyond the control of the Read more...
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