Policy Coverage
The biggest portion of coverage in your policy is called
What is Coverage A or the Dwelling?
Detached Storage for items like lawnmowers and garden tools
What is a Shed?
Condo Owners have this to protect the inside of their condominium.
What is an HO6 Policy?
Where you would find the list of different coverages on your policy.
What is the Declarations Page?
A Public Adjuster will take copious notes, numerous photos, and moisture readings of your property as part of his/her responsibilities during the claim process
What is an inspection?
When out of pocket expenses are incurred by the homeowner because their house is uninhabitable.
What is Additional Living Expenses (ALE?)
This area on the declarations page is called Coverage B and is for
What are Other Structures?
This type of policy is the most common type of policy for homeowners
What is an HO3 Policy?
When there is no coverage for a specific type of damage listed in your policy
What is an Exclusion?
A thorough and experienced Public Adjuster will always ask for this to review prior to the claim process taking place
What is a policy review?
This coverage is for Code Upgrades during the rebuild process if required by law
What is Law or Ordinance Coverage?
Keeps trespassers out and and pets in
What is a Fence?
Mortgagee's will do this when a homeowner's policy lapses
What is Forced Placed Insurance?
This document protects you and must be provided by the insurer to the policyholder at the beginning of the claim process
What is the Homeowner Claims Bill of Rights?
A good public adjuster needs to have a basic understanding of this
What is building construction?