California's Disaster Recovery Reform Act (SB 876): What It Changes for Your Claim

A plain-language guide to California's proposed SB 876, what it would change for disaster insurance claims, and the rights you can already use today.

Large Loss Claims: How the Process Differs When the Damage Exceeds $100,000

Understand how the insurance claims process changes for large losses exceeding $100,000, including adjuster assignments, documentation, and settlement strategies.

The Role of Forensic Engineers in Insurance Claims: When Carriers Use Them and What They Look For

Learn when insurance carriers hire forensic engineers, what they investigate in property damage claims, and how their findings affect claim outcomes.

Vacancy Clauses in Commercial Insurance: What Business Owners Need to Know

Understand how vacancy clauses in commercial property insurance can reduce or eliminate coverage and what business owners should do to protect their claims.

How to Appeal a Denied Insurance Claim: Step-by-Step

A step-by-step guide to appealing a denied property insurance claim, including how to review the denial, gather evidence, and escalate the dispute.

Concurrent Causation in Insurance Claims: When Multiple Events Cause One Loss

Understand concurrent causation in property insurance claims, how anti-concurrent causation clauses work, and what it means when multiple events cause one loss.

Reserved Rights Letters: What They Mean and How to Respond

Learn what a reservation of rights letter means for your insurance claim, why carriers send them, and how policyholders should respond.

How Insurance Companies Use Computerized Estimating Software (Xactimate) — and What You Should Know

Learn how insurance carriers use Xactimate estimating software to value property damage claims and what policyholders should know about the process.

When to Hire a Public Adjuster vs When to Hire an Attorney

Learn when to hire a public adjuster versus an attorney for your insurance claim and how each professional can help maximize your recovery.

First-Party vs Third-Party Insurance Claims: Understanding the Difference

Understand the difference between first-party and third-party insurance claims and how each type affects the claims process and recovery.