What Does Homeowners Insurance Really Cover? Homeowners insurance is essential for protecting one of your most valuable investments—your home. However, understanding what it actually covers can be confusing for many property owners. From natural disasters to personal liability, coverage options…
Understanding the Essential Laws for Insurance Claims Understanding the laws for insurance claims is essential for anyone who needs to file a claim. This article breaks down the important legal aspects, from time limits on payments to specific coverage rules…
Public Adjuster vs Restoration Contractor: Understanding Their Roles When disaster damages your home or business, the insurance claims process can quickly become overwhelming. Understanding the distinct roles of public adjusters and restoration contractors is crucial for a successful recovery. This…
Insurance Adjuster vs Public Adjuster: What’s the Real Difference? After helping hundreds of California homeowners navigate complex insurance claims over my 25+ years in the industry, I’ve noticed one question comes up repeatedly: “What’s the difference between an insurance adjuster…
Determining How Much Homeowner Insurance Coverage You Need If you’re asking yourself, How much homeowner insurance coverage do I need? This guide is for you. We’ll discuss essential topics like how to calculate your dwelling coverage, personal property coverage, and…
California FAIR Insurance: An Insider’s Guide to Coverage and Claims By Nikolay Zubyan, Founder of Shield Public Adjusters After 25 years as a licensed contractor and 15 years as a public adjuster, I’ve seen firsthand how the California FAIR Plan…
Replacement Cost versus Actual Cash Value: Which Coverage Is Best for You? Deciding between actual cash value vs replacement cost for your homeowners insurance? This article breaks down the key differences, helping you understand which coverage best suits your needs….
Don’t Let Your Insurance Company Decide Your Payout Filing an insurance claim after fire, water, smoke, mold, or storm damage can feel overwhelming. While you expect your insurance company to be on your side, the reality is that their goal…