First Party Property Insurance

How to Read and Understand Your Insurance Policy

By Ricky K. Patel, Esq. Insurance policy language, although required by many state laws to be “easy to understand,” isn’t always easy to understand. When is the last time you sat down to read your insurance policy from beginning to end? It’s important to remember that an insurance policy is a legal contract between the…

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What is a Proof of Loss?

By Wesley J. Farrell, Esq.  After a loss, an insurance company will sometimes request that you complete and sign a form called a Proof of Loss. A proof of loss is a statement of the amount of money being requested in your insurance claim and it must be signed and notarized. A Proof of Loss is…

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Understanding Different Types of Homeowners Insurance Policies

By Jesmany Jomarron, Esq. Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: Coverage for the structure of your home; Coverage for your personal belongings; Liability protection; and Coverage for Additional Living Expenses. Depending on your home and which insurer you choose,…

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