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insurance-claim
How a homeowner claim runs from the first photo to settlement: what a policy usually covers, why the contractor estimate and the adjuster estimate differ, supplements, and what a line-item estimate has to carry to be read clearly. Insurance claim repairs →
Showing 5 of 5 articles.
insurance-claimWhy your contractor estimate and your adjuster estimate do not match
Why an insurance estimate and a contractor estimate on the same loss rarely match: scope gaps found after demolition, regional unit pricing, overhead and profit, and recoverable depreciation. Also how a supplement reconciles the two documents.
insurance-claimHow a water-damage insurance claim actually works in Pennsylvania
A process-only walkthrough of a Pennsylvania homeowners water-damage claim, from notice of loss and the duty to mitigate through the adjuster's scope, overhead and profit, recoverable depreciation, and supplements. Includes a table of who handles what at each stage.
water-damageBurst pipe or leak in the house: what to do in the first 24 hours
What I tell homeowners to do in the first 24 hours after a burst pipe or appliance leak: stopping the water, documenting for the claim, and what usually dries versus what has to come out. Built on a 2025 washer-failure restoration I did in Lock Haven.
insurance-claimDoes homeowners insurance cover roof leaks?
A plain-English guide to roof leak coverage: sudden versus gradual damage, how roof age and deductibles change the payout, why photographing damage before you tarp matters, what a contractor can and cannot do in a claim, and the policy sections that decide the outcome.
permitsQuestions worth asking any contractor before you sign
A plain-English guide to what Pennsylvania homeowners should ask before signing a home improvement contract: PA HIC registration, proof of insurance, who does the work, written scope, change orders, payment schedule, warranty, and permits, plus the red flag behind each question.