Understanding Policy Language and Endorsements in an Insurance Claim
nsurance policies are contracts, and every claim decision is based on the specific language contained in the policy and its endorsements. The base policy sets the rules for coverage, duties, and loss settlement, while endorsements modify or refine those rules.
What Are Additional Living Expenses and How ALE Coverage Works in an Insurance Claim
Additional Living Expenses, or ALE, are a coverage designed to help policyholders pay for increased living costs when a covered loss makes their home uninhabitable. This coverage helps offset the difference between normal household expenses and the added costs of temporary housing, meals, and other necessities.
What Is a Public Adjuster?
Public Adjuster
A public adjuster is a licensed insurance professional who represents the policyholder, not the insurance company. Their role is to help document, prepare, and present an insurance claim so the loss is clearly supported under the terms of the policy.
Infrared Technology in Insurance Claims
Infrared Imaging
Infrared imaging is used in insurance claims to identify hidden moisture, heat loss, and other conditions that are not visible during a standard inspection. By detecting temperature differences on surfaces, infrared technology helps locate water intrusion behind walls, ceilings, and flooring without destructive testing.
What Is a Sworn Proof of Loss Packet and Why It Matters
A Sworn Proof of Loss is a formal documentation package that proves and justifies an insurance claim. It is the policyholder’s sworn statement outlining what was damaged, how it was damaged, and the amount required to properly repair or replace the loss.
What Is Appraisal in an Insurance Claim, How It Works and Why It’s Used.
Appraisal is a dispute resolution process built into most property insurance policies. It is used when the policyholder and the insurance company agree that a loss is covered but disagree on the scope or value of the damages.