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What Agents Can and Cannot Do During a Claim
The role an agent plays once a claim is filed is narrower than many policyholders assume, and narrower than some agents assume too. Understanding where that role begins and ends protects both the client relationship and the agent’s own licensing standing. Agents...Browse the full Resources Index
Setting Realistic Expectations About the Claims Process
Few conversations an agent has with a client matter as much as the one that happens before a claim exists at all. A policyholder who understands roughly how a claim unfolds, and roughly how long each phase can take, tends to experience the actual process with far less...Browse the full Resources Index
Cosmetic Damage Exclusions: What Agents Should Explain at Binding
A metal roof struck by hail can end up covered with small dents that never leak, never loosen a fastener, and never shorten the roof’s service life. Whether that kind of damage is covered has become one of the more consequential coverage questions in hail-prone...Browse the full Resources Index
Actual Cash Value Roof Endorsements and Client Conversations
Not every roof on a homeowners policy is settled on a replacement cost basis anymore. Actual cash value roof endorsements, which limit payment for roof losses to replacement cost minus depreciation regardless of the settlement basis that applies to the rest of the...Browse the full Resources Index
