A home inventory helps organize your possessions and track their value. It makes it easier to manage a future…

Some claims are straightforward and inexpensive, for example, limiting the value a public adjuster would bring. Other claims, however,…

The appraisal clause allows either party – you or your insurer – to request an independent evaluation of an…

The Fair Access to Insurance Requirements (FAIR) Plan officially started issuing policies in April 2025, two years after Colorado…

Condo associations (COAs) and homeowners associations (HOAs) could inadvertently lead to a denied claim. Sometimes, COAs and HOAs make…

It’s not a scam: it’s called property condemnation. The government uses property condemnation to seize private property via eminent…

The Great Fire of London sparked the need for fire insurance in one of the world’s largest cities, for…

If a local government is building a school near your property, for example, they could use eminent domain to…

Historical records show ancient Babylonian merchants banding together around 1,750 BCE to protect goods against shipwrecks and theft. The…

Some insurers may blame you for the fallen tree. Why did you leave a tree so close to your…