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A Sneak Peek inside the Property Insurance Course (Part 3):
Have you ever wondered what events and items might not be covered under your homeowner’s insurance policy? Here are some common exclusions, meaning, they are usually not considered a covered loss and the insurance company will not pay for the damages. Loss due to ordinance or law regulating construction, repair or demolition. Earth Movement means […]
A Sneak Peek inside the Property Insurance Course (Part 2):
How are loss settlements determined by insurance companies? Actual Cash Value (ACV) means the cost of repairing the damage, minus reasonable depreciation (wear and tear, deterioration and obsolescence). Replacement Cost (RC) means the current cost, at the time of loss, to repair or replace the damaged property with new materials of like kind and quality, […]
A Sneak Peek inside the Property Insurance Course (Part 1):
Insurance is designed to transfer the financial impact of a loss from an individual or company to an insurance company. In exchange for the protection (agreement of indemnification) of the insurance company, an insured must pay premiums. Property and Casualty Insurance Contracts are indemnification contracts. Indemnification means to restore a person to his or her […]