Business Interruption: Defining the ‘Period of Restoration’
Business closed? Insurance pays lost income only during the ‘Period of Restoration’. Learn when the clock starts and stops.
The ‘Proof of Loss’ Trap: Don’t Miss the 91-Day Window
Insurance claim stalled? If you miss the ‘Proof of Loss’ deadline (often 91 days), your claim can be denied. Learn the requirements.
Chain of Custody for High-Value Contents: Insurance Documentation
Moving art or jewelry during restoration? Learn why ‘Chain of Custody’ documentation is vital for insurance coverage and security.
Extra Expense Coverage: Keeping Your Business Open During Repairs
Business damaged? ‘Extra Expense’ coverage pays for temporary locations and rush shipping. Learn how to survive without closing your doors.
ALE for Hotel vs. Corporate Housing: What’s Best for Long Claims?
Displaced for months? Don’t stay in a hotel. Learn why ‘Corporate Housing’ is better for long claims and how insurance pays for it.
The ‘Cosmetic Exclusion’ in Roof Claims: Hail vs. Wear
Roof claim denied as ‘Cosmetic’? Learn what hail damage counts as ‘functional’ and how to fight the cosmetic exclusion in Texas policies.
Coinsurance Penalty: The 80% Rule Commercial Trap
Business damaged? If you didn’t insure 80% of value, you face a ‘Coinsurance Penalty’. Learn how this math reduces your payout.
The ‘Sudden & Accidental’ Rule: Documenting the Timestamp
Insurance claiming ‘long-term damage’? Learn how to prove your leak was ‘Sudden and Accidental’ using utility data and smart meter logs.
Wind-Driven Rain and Insurance Claims: When Your Policy Has to Pay (and When It Doesn’t)
Insurance companies often deny wind-driven rain claims by arguing no opening was created. Texas law has a specific standard for this — here’s what it says and how to push back on a bad denial.
Maximizing ALE: Documenting Restaurant & Food Expenses
Displaced by a fire or flood? Insurance pays for your meals. Learn the ‘Incurred Cost’ rule for restaurant receipts.