The “Created Opening” Rule: Getting Wind-Driven Rain Covered
Insurance denied your roof leak claim? Learn the “Created Opening” rule. You must prove the storm created a hole *before* the rain entered to trigger coverage.
Storm Damage Repair: Documenting Roof Lift for Insurance
Wind damage isn’t just missing shingles. Learn how to document ‘Roof Lift’ and broken seals to ensure your insurance claim covers a full roof replacement.
Condo Water Damage Insurance: Understanding What Your ‘Walls-In’ Policy Actually Covers
Your condo’s walls-in policy covers your unit from the drywall inward — but there are important gaps. Learn exactly what’s covered, what’s not, and how to avoid being left with a bill after a water loss.
Matterport E57 Files: The Data That Wins Claims
Insurance doubting the damage? Matterport ‘E57’ point clouds provide millimeter-accurate proof. Learn how 3D data validates structural claims.
Condo Water Damage and Insurance: Who Pays When the Leak Comes from Upstairs?
When water damage in a condo comes from another unit, figuring out who pays can get complicated fast. Here’s how Texas condo insurance policies divide responsibility between unit owners and the HOA.
Commercial ‘Betterments and Improvements’: Who Insures the Build-Out?
Tenant or Landlord? Who pays when the office floods? Learn how ‘Betterments and Improvements’ clauses define coverage for build-outs.
Extra Expense Coverage: Keeping Your Business Open
Business damaged? ‘Extra Expense’ coverage pays for temporary locations and rush shipping. Learn how to use it to stay open.
What Insurance Adjusters Leave Out of Your Repair Estimate (and How to Catch It)
Insurance adjusters regularly leave items out of repair estimates — sometimes accidentally, sometimes not. Learn the most common omissions and how to make sure your scope covers everything you’re owed.
The ‘Duty to Mitigate’: Your Legal Obligation to Stop the Leak
Leak found? You have a legal ‘Duty to Mitigate’. Learn why waiting for the adjuster can void your coverage for secondary damage.
Xactimate ‘Line Item’ Omissions: What Adjusters Miss in Scopes
Insurance offer looks low? Adjusters often miss critical ‘Line Items’ in Xactimate. Learn the common omissions like ‘content manipulation’ and ‘after-hours’.