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November 30, 2018

How to Make Use of the “Additional Living Expense” Clause in Your Homeowner’s Insurance Policy

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As an insured homeowner, if you get displaced from your home as a result of damage sustained in a hurricane, storm or other casualty event, the “additional living expense” clause in your insurance policy is designed to help cover the costs you incur as a result of relocating to temporary housing. But, insurance companies will often attempt to deny coverage or pay less than the full amount to which policyholders are entitled; and, as a result, it is important to make sure you have a clear understanding of your right to “ALE” coverage. Read More

Categories: Insurance Claims

November 16, 2018

What is a “Concurrent Cause” and When Can (and Can’t) Insurers Deny Coverage?

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One of the most complicated (and most frustrating) issues involved with substantial homeowner’s insurance claims is the issue of “concurrent cause.” Under standard homeowner’s insurance policy language, if two factors concurrently cause property damage and one factor is covered while the other is not, then the insurer has the right to deny coverage based upon concurrent causation. Read More

Categories: Insurance Claims

November 2, 2018

What is the Scope of Your “Duty to Cooperate” During an Insurance Claim?

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Standard homeowner’s insurance policies include a provision requiring the homeowner to “[c]ooperate . . . in the investigation, settlement or defense of any claim or suit.” If you file a claim with your insurance company following a hurricane, tropical storm or other event resulting in damage to your home, what is the scope of your “duty to cooperate”? Read More

Categories: Insurance Claims