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Property owners want their buildings to look and work as they did before a fire, hurricane, or another type of disaster destroys their buildings. Generally, owners should have replacement insurance instead of actual value insurance to get the best result – a building that is like the pre-catastrophe structure. For very old buildings though, replacement…

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Heavy winds from storms, tornadoes, hurricanes, and other natural disasters can destroy parts or all of your property. In some cases, you may be able to make repairs. In severe cases, you may need to rebuild. You should begin by speaking with an experienced insurance lawyer who will explain whether your insurance company covers your…

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Flood insurance covers damage to commercial and residential property from floods. It is typically separate from property and homeowner’s insurance. The National Flood Insurance Program (NFIP) is managed by Federal Emergency Management Agency (FEMA). It’s expected that the premiums for NFIP insurance will increase because the premiums currently don’t cover the debt FEMA incurs to…

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In a judgement that details why it is so crucial to not only read your policy carefully – but also to choose your broker carefully – a federal appeals court ruled against a nonprofit earlier this year in a case where it was seeking coverage for a hole-in-one contest. According to court documents, back in…

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Last night’s horrendous tornado in Fultondale, Alabama has already claimed one life and injured at least 30 people. The damage to the town is extensive, and first responders are still picking their way through the scene. Our hearts and prayers go out to the people of Fultondale and their loved ones, and to the people…

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With the COVID-19 pandemic taking over most of 2020, many of us spent (and continue to spend) the majority of our time outdoors when socializing, in accordance with public health rules. We are fortunate to reside in a part of the country with temperate weather, which makes backyard get-togethers both safe and convenient. Whether you’re…

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Many churches and non-profits are re-evaluating their insurance policies in the wake of the coronavirus pandemic, the upcoming vaccine, and the new year. Because 2020 presented a variety of unforeseen risks and liabilities, when deciding on new or added policies, ensure you are informed about what is completely necessary to keep yourself protected in the…

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Concurrent causation is a term relating to property insurance, and comes into play when property damage occurs from multiple causes and one of these causes is covered under the policy. Often, when you experience damage to your home or property, it is not all from one factor. For example, in a hurricane, your home may…

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You probably do not think about your insurance very much (until you need to file a claim). However, there are times when you should take proactive measures about your insurance policy. For example, did you know that your insurance company can make certain adjustments to your policy during each policy renewal? Some of the changes…

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Homeowners in the state of Florida are currently experiencing higher insurance rates in the aftermath of recent busy hurricane seasons. Insurance companies are placing the blame on not only excessive storm damage, but a flood of recent claim litigation spurred on by contractors encouraging homeowners to pursue damage claims. In fact, since the beginning of…

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