Guide articles
Practical articles on policy wording, documentation and claim strategy — ice storms, tornadoes, matching, flood and ground movement.
A plain-English walk through the appraisal clause in most Kentucky property policies, from the written demand to the signed award, and the limits on what appraisal decides.
Kentucky’s ice storms and hard freezes create tree, roof and plumbing claims with their own policy conditions. Here is what to photograph, save and write down.
The weeks after a tornado decide how smoothly the claim goes. This checklist covers mitigation, living expenses, contents and contractor contracts.
When a damaged shingle or siding profile is no longer made, the question of how much has to be replaced becomes a policy- and fact-dependent dispute.
Water from a burst pipe and water from a rising creek are treated very differently. Here is how Kentucky owners can tell which policy applies and when appraisal helps.
The people you pick shape the outcome of an appraisal. Here is how to judge competence, impartiality and fees for both a party appraiser and an umpire.
Much of Kentucky sits on karst or old mine workings, yet most property policies exclude ground movement. Here is where the gaps are and how to check yours.
Send it over with your photos. We’ll review it and tell you what we see — no obligation.
