Your homeowners insurance will deny the claim…always.  Homeowners insurance policies exclude water damage, when the water has entered the house from the ground or surface level.  Water seeping through basement walls is typically categorized as entering from the ground level.  Surface or gound level water is more or less the definition of “flood” in the world of [...]

What is an in home business? According to the Insurance Service Office’s latest policy, if you make $2,000 a year or more at a venture or hobby–that’s a business. So…if you make $2,000 through the year selling on E-Bay or Craig’s List is that considered having a “business?” Yes, it is. In most cases, having [...]

Libel and slander can lead to huge devastating lawsuits.  Many people believe that they have no chance of doing this on purpose or accidentally to someone else.  This may be true, but what about your teenager?  What they post on Facebook could be consider libel or slander, and if you find yourself at the wrong [...]

Every year water damage accounts for a huge percentage of homeowners insurance claims.  One of the best ways to avoid a large water damage claim to your home is to familiarize yourself with the water shut off valve for your home.  Many people know exactly where this is in their home, but many do not.  Having [...]

Most people believe that if they lose a valuable piece of jewelry, their homeowners insurance will cover the loss.  Unless you have purchased extra coverage, your homeowners insurance policy will not cover lost jewelry, in most cases. If you have jewelry that you want covered by insurance, it is important to review this subject with [...]

Missouri has been hit very hard by stormy weather in the last twelve months, including two tornados hitting St. Louis, one in Sedalia, and one of the most horrific on record hitting Joplin. In addition to the tornados, there have been tens of millions of dollars of damage from other hail storms throughout the state. [...]