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Sinkholes: More Common Than You Think

Like something out of a horror movie, the ground suddenly opens and swallows people, buildings or vehicles. Sinkholes can develop anywhere water can get into the ground. However, they are more common for certain geological formations, after heavy rains, or where there are old mines or similar human activity. Due to the Karst topography and…
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FEMA and Flood Insurance

The Federal Emergency Management Agency (FEMA) runs the National Flood Insurance Program. Unlike other types of property damage, you cannot get flood insurance through commercial sources because the risk of flood is not conducive to a rate structure that turns a profit. Thus, flood insurance is uniquely unlike other types of property insurance. Additionally, since…
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Public Adjusters to the Rescue

Client Maria T, had water damage to her home in August of 2012. Her insurance company, who has to remain nameless for liability purposes, sent an adjuster to her home and they offered her about $12,000, after deductible, for her damages. The insurance company called the homeowner to discuss the offer and our client told…
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A Common Residential Accident

A common type of residential accident involves falling or dropped objects. This type of accident may lead to property damage or personal injury or both. These two types of insurable loss are typically covered by different policies. This can be confusing for the policyholder who may see it as one accident and not understand how…
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