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’.
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.
Hidden Scope: Why Adjusters Miss Cabinet Toe-Kick Damage
Insurance quote didn’t include the cabinets? Adjusters often miss the toe-kick. Learn how to uncover and claim hidden structural rot.
Hotel Stays & Food: Maximizing ‘Additional Living Expenses’ (ALE)
Displaced by water damage? Learn how to claim ‘Additional Living Expenses’ (ALE) for hotels, meals, and pet boarding in Texas.
Date of Loss vs. Date of Discovery: The Insurance Reporting Window
Leak started months ago but you just found it? Learn the difference between ‘Date of Loss’ and ‘Date of Discovery’ for coverage.