Losses we review
- Sudden water damage and resulting mold
- Burglary and theft
- Vandalism and malicious mischief
- Business interruption and extra expense
- Loss of rental income for landlords
Common insurer positions
Insurers often argue that water damage was 'gradual' or 'long-term seepage', that a theft can't be proven, or that business losses are speculative. These positions can be tested against the policy language and the evidence.
Questions we hear
The insurer called my water loss 'wear and tear'. Is that the end?
Not necessarily. How the loss happened, and what the policy actually excludes, are often disputed and worth a closer look.