Simple Way To Find A Roof Leak & Prevent A ‘Catastrophe’

roof with chimneyIf you have recently discovered water stains that extend across ceilings or run down walls, the culprit is probably a roof leak. While tracking down the leak can sometimes be the hard part; the fixes are generally pretty easy though not always cheap. Below is a relatively simple way to locate the cause of a roof leak that most any person can do with minimal roofing or construction knowledge. 
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Texas Court Lays Out a Useful Roadmap of the Defenses to a Hailstorm Claim

Ever handled a hail loss from a year prior to the actual date and been asked to determine if the loss is covered? The attached article outlines three defenses that are available and what a Federal judge in Texas thought was sufficient to sustain those defenses.

Texas Court Lays Out a Useful Roadmap of the Defenses to a Hailstorm Claim

by Dick Bennetthail damage

Hailstorm claims for damage to roofs often involve belated notification that an already old or damaged structure has been further compromised.  In a recent Texas case, the court provided a primer for carriers confronting such claims, addressing a trifecta of defenses available – lack of causation, late notice, and prejudice.  The case is Hamilton Properties v. American Insurance Company, 2014 WL 3055801, 2014 U.S. Dist. LEXIS 91882  (N.D.Tex., July 7, 2014).

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Halloween Safety Tips for Homeowners

Halloween is a festive day that kids enjoy, because they get dressed up and get treats. However, for a homeowner — it could be an insurance claim waiting to happen.  Will you be hosting a party or inviting trick-or-treaters to your door? Opening your property to the public can leave you susceptible to insurance claims and lawsuits.
 
If you follow a few tips to ensure safety and protect your home from damages or liability, you can prevent the risk of a homeowners insurance claim spoiling the fun. Continue reading

Registration now OPEN for the National Tornado Summit

The National Tornado Summit improves disaster mitigation, preparedness, response and recovery in order to save lives and property in the United States.
In addition, the summit serves as a national forum for insurance professionals and regulators as well as international, national and state experts to exchange ideas and recommend new policies to improve emergency management.

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Large Loss Reserving

By: Jerry Provencher
Reserving is risky business. Adjusters hardly ever get credit for a tightly estimated reserve, but nobody escapes the hairy eyeball for a reserve increase. The surest road to loss of client confidence is through stair stepping of reserves. That said, even the largest or most complicated loss can be fairly reserved with a systematic approach.
A systematic approach to establishing reserves, spiced with a healthy suspicion in the extent of damage builds reputation and client confidence.  Continue reading

Home Fire Safety

October: National Fire Prevention Month
Would you know what to do if a fire started in your home? Would your children? Last week schools across the country participated in activities related to National Fire Prevention Week. If your kids are anything like mine, they came home with a wealth of knowledge and even some funny stories.  Continue reading