In this section, you'll gain a basic understanding of what the typical policy covers. We will help you understand the features of various types of homeowner and flood insurance programs. We'll also point out the options you may have for additional protection.
We'll walk you through the claims process. We'll also discuss the various types of covered damages and give you tips on how to make filing and settling claims faster and easier.
Your insurance company has offered a settlement. How can you negotiate if you don't think the settlement is enough? How do you move ahead with repairs to your home? We address these and more issues here.
Even if you've carefully prepared and submitted your claim, many things can still go wrong during the claims process. We'll outline the typical obstacles you might confront along the way and offer some resolutions to common problems. When all else fails, we'll point you to local authorities who can help you resolve a conflict with insurance providers.
You may not know what to look for and whom to turn to for advice. In this section we'll offer tips on finding the right coverage so you're not wasting time. We'll also let you know how you can save money while you shop and compare. Understanding Types of Insurance It's important that you understand the purpose of each of these types of insurance products and the events that are covered or excluded with each. Confused by the Fine Print? The Nuts & Bolts of Insurance Let's begin with some basic information about how insurance policies work. Then you will have a better idea of what to look for when you review your current policy or begin to shop for new insurance. (Insurance has a language all its own; you may find it helpful to see the Definitions of Insurance Terms.