Late Notice and Your Insurance Agent or Broker

THIS IS NOT LEGAL ADVICE—TALK TO AN ATTORNEY FOR THAT If you’re in an insurance claim dispute with your insurance company because it d...

What Should I Include in a Notice of Claim letter to the Insurance Company?

Had an accident? A fire? Someone’s sued you? You need notify your insurance company. The repercussions of when you do this is a topic for ...

Insurance Coverage for Brown Recluse Spider Infestations

Everyone shutters when they hear Brown Recluse Spiders. They’re hideous. As the comedian Ricky Gervais so eloquently notes: Youtube => ...

The Structure of an Insurance Policy--How to Read It (Part 8 of 8)

PART 8—HOW TO READ THE POLICY Assuming you’ve read Parts 1–7 and are still interested in reading your policy, this post is, in my opinion (a...

The Structure of an Insurance Policy--The Endorsements (Part 7 of 8)

PART 7—POLICY STRUCTURE The Endorsements Finally, the last pieces of a policy are the Endorsements. These are the other pieces of paper yo...

The Structure of an Insurance Policy--The Conditions (Part 6 of 8)

PART 6—POLICY STRUCTURE The Conditions So far in these policy-structure posts, I’ve referenced Twilight and quoted Lee Corso—I’m impressed y...

The Structure of an Insurance Policy--The Definitions (Part 5 of 8)

PART 5—POLICY STRUCTURE The Definitions Have you noticed in the previous posts that I keep putting quotes around certain words ( e.g. , ...

The Structure of an Insurance Policy--The Exclusions (Part 4 of 8)

PART 4—POLICY STRUCTURE The Exclusions After reading your Insuring Clauses, you might be thinking: “This policy is great! I’ll never have to...