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Cosmetic and functional damage

Great article by Merlin Law on negotiating with insurance company adjusters to ensure "cosmetic" damage is covered in the event your policy has "cosmetic exclusion" language.

 

http://www.propertyinsurancecoveragelaw.com/2016/10/articles/insurance/cosmetic-and-functional-damage-an-academic-discussion-by-neil-hall/index.html

 

  1. Billions in damage expected, Data from CoreLogic

    Posted By: rmelbye on October 6, 8:08 PM

    Florida Number of Homes at Risk 1,262,307 RCV $246,361,033,055 South Carolina Number of Homes at Risk 338,640 RCV $77,658,933,162 North Carolina Number of Homes at Risk 244,712 RCV $48,993,759,049 Georgia Number of Homes at Risk 148,718 RCV $32,052,255,097

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  2. Take video of your property before damage occurs…. Then you have proof of its preexisting condition

    Posted By: rmelbye on October 6, 8:04 PM

    Take video of your property BEFORE the damage occurs! http://www.propertyinsurancecoveragelaw.com/2016/10/articles/insurance-claim/last-minute-hurricane-matthew-tip-photograph-and-videotape-your-property-before-the-storm/index.html

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  3. If you are effected by Hurricane Matthew – make sure you notify your insurance carrier immediately.

    Posted By: rmelbye on October 6, 8:03 PM

    http://www.propertyinsurancecoveragelaw.com/2016/10/articles/insurance-claim/giving-your-insurance-company-notice-of-your-loss/index.html  

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  4. What Your Business Should Do After Severe Weather Strikes

    Posted By: rmelbye on September 28, 2:56 PM

    Great article from The Hartford…. What Your Business Should Do After Severe Weather Strikes

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  5. Was your fire a result of vandalism?

    Posted By: rmelbye on September 19, 12:54 PM

    Have you been faced with a fire where the insurance company denies coverage on the grounds the fire was the result of vandalism? Read more:  

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  6. Continental Adjusters is an Exhibitor at RCAT’s Annual Conference & Trade Show, Thurs Oct 13

    Posted By: rmelbye on September 12, 7:53 PM

    Please join Continental Adjusters (Booth # 240) at the Roofing Contractors Association of Texas at the Gaylord Texan Convention Center, Thursday, October 13. Print the following complimentary pass to attend.  Let us know if you have any questions and hope to see you there. 2016-rcat-thurs-oct-13-conference-flyer-free-pass

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  7. Cosmetic Exclusion in a policy – this will negatively impact the value of your property

    Posted By: rmelbye on August 30, 5:40 PM

    Does your commercial policy include “Cosmetic Exclusion” language (or something similar)? If it does it basically means that, regardless of the damage sustained, the insurance company will NOT replace the items mentioned unless there is “penetration of water.” “Cosmetic loss or damage” means damage to any portion of the roof or siding coverings or appurtenances, […]

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  8. Doug Morris, Panel Member at the DFW/CAI, Sept. 15, 2016 event

    Posted By: rmelbye on August 25, 3:14 PM

    Come join us http://www.dfwcai.org/Calendar/Event/247~829081~1/2015-DFW-CAI-Trade-Show-Expo

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  9. Louisiana Flood Victims – What the National Flood Insurance Program adjusters WON’T tell you

    Posted By: rmelbye on August 25, 2:49 PM

    Adjusters have to pay out of their own pockets if their estimate is “too much” – read more….. http://www.propertyinsurancecoveragelaw.com/2016/08/articles/insurance/louisiana-flood-insurance-claims-secrets-that-flood-adjusters-will-not-tell-you/index.html

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