Is It Covered? Duties of the Insured
It is a common misconception that insurance policies only include information regarding what you are covered for in the event of a loss. Your policy does detail the types of losses your carrier will reimburse you for [...]
Is It Covered? Mold, Mildew & Fungus
Insurance coverage for Mold, Mildew, and Fungus is usually either completely excluded or may be very limited depending upon the policy. Many people assume that they will have at least some coverage for Mold when [...]
Is It Covered? Flood
The question is always, “When is it a flood?” Because we deem various types of water events “floods” even if they do not meet the insurance definition, it can become confusing to know where your [...]
Is It Covered? Liability for Non-Covered Items
For the most part, if an item is excluded from the Property Coverage on your property, it is likely not covered in the Liability Coverage on your property either. Bear in mind while your Property [...]
Is It Covered? Tenant Damage
Many assume that any kind of damage done by a tenant will be covered by insurance. This is simply not the case. Though coverages vary across the globe, certain types of damage done by [...]
Is It Covered? Contractors’ Injuries & Workmanship
Though your insurance policy protects you from a variety of perils, contractor faulty workmanship or injury on the job site are two risks that are typically excluded. If structural work fails, there is no coverage [...]