Most flood insurance is provided under the National Flood Insurance Program, or NFIP, operated by FEMA. Unlike all other types of insurance, which are subject to a complex matrix of state laws, federal laws regulate the NFIP. Policyholders and professionals, like adjusters, contractors, and attorneys, will encounter many differences when...

Insurance claims are all about proof. The “Proof of Loss” document is the ultimate proof vehicle for insurance claims. From the moment a claim is filed, all stakeholders come together to understand and document the loss: what caused the loss, the scope of damages, and the cost of losses. For...

If you’re involved with a property insurance claim as a policyholder or a restoration contractor, you may encounter the term “Assignment of Benefits” (AOB). And, your research may find a lot of conflicting and confusing AOB information. The AOB concept is quite controversial. Many smart and well-intended attorneys, restoration contractors,...

Insurance companies are excellent at managing insurance claims. Immediately after receiving a claim, the insurer leverages software, services, consultants, and team members to prepare a robust and detailed claim file. And that file is mostly hidden from the policyholder and all the stakeholders who help the policyholder. This is an...

In the face of unexpected events like natural disasters or accidents, having property insurance can be crucial to your ability to recover, rebuild, and get your property back in shape. For many people in Louisiana, this protection is obtained through Louisiana Citizens Insurance. However, understanding the ins and outs of...

Navigating a homeowner’s insurance property claim is daunting. Suddenly, you’re called upon to: It’s a lot. But fear not! Insurance companies urge you to call them and “report the claim.” While it’s important to notify the insurance company quickly, take a moment to consider these critical steps. This comprehensive guide...

You have a property loss. It’s time to make a claim. Is calling the insurance company and getting a claim number enough? Filing and managing an insurance claim is stressful and complicated. There are many steps and places to mess up. You don’t want to limp into your claim by...