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.

Commercial Property Claims: How Business Claims Differ from Homeowner Claims

Learn how commercial property insurance claims differ from homeowner claims in scope, complexity, valuation, and the claims process.

Proof of Loss: What It Is, Why It Matters, and How to File One

Understand the proof of loss requirement in insurance claims, why it matters for your claim, and how to properly complete and file one.

The Examination Under Oath: What It Is and How to Prepare

Learn what an examination under oath is in insurance claims, why carriers request them, and how policyholders should prepare.

Actual Cash Value vs Replacement Cost Value: How the Difference Affects Your Claim

Understand the difference between actual cash value and replacement cost value in insurance claims and how depreciation affects your payout.