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Donnie Morgan

Donnie Morgan

5 Tips You Need To Know About Your Homeowners Insurance - 5.0 out of 5 based on 1 vote

The homeowners insurance policy is complex, boring and often stored away unread. Most homeowners believe once they pay their premium their home and contents are protected against any damage. Unfortunately, policies have exclusions, restrictions and sub limits that can leave you without the needed coverage. We have compiled a list of the least known areas of your homeowners policy.


1. Replacement Cost

Replacement cost value or RCV refers to the valuation method used to determine your damages. RCV determines the cost to replace the damaged item with something of the same like, kind and quality under the current prices. Actual Cost Value determines the approximate life span for the damaged item and then depreciates the item before paying the damages. This can be a substantial amount when your roof is damaged by a storm. If your roof is 15 years old and the insurance carrier determines the life span should be 30 years, the carrier will take 50% of the shingle cost off of the total. In some cases, the carrier could actually pay out for your thousands in damages.


2. Insects and Pets

Termite, insect and pet damages are all excluded coverages. If your dog chews up your new front door, you are out of luck. Same goes with a termite infestation to your home.


3. Earth movement and Floods

The standard homeowner’s policy excludes coverage for flooding, earthquakes, mudslides, settling, sinkholes and flooding. In Oklahoma you can add relatively inexpensive earthquake coverage to your policy. Flood insurance is available through the National Flood Insurance Program.


4. Stolen Contents

Most carriers cover your contents anywhere in the world. So while you were vacationing in Russia, your video camera was stolen, you are covered. Just remember you are still responsible for the deductible.


5. Sub limits

Your policy will have sub limits listed for various items. Guns, Art, Furs, and Jewelry often have lower limits assigned. Your gun collection may be valued at 15,000 when it was stolen, but due to the 2,000 sublimit, you are well underinsured. It is important to read your limits to ensure proper coverage. If you are underinsured contact your agent to add more coverage.


We have over 20 years of insurance adjusting experience at Home Claim Solutions. Let us know if you have any questions and we always provide a free consultation.


Donnie Morgan President

Home Claim Solutions LLC


Friday, 27 December 2013 19:38

My tree fell on my neighbor's home.

My tree fell on my neighbor's home. - 5.0 out of 5 based on 3 votes



neighbor tree fall house


If my tree falls on another person's property, who files an insurance claim?


As an adjuster for several years, this is a common question that I received.  There is a lot of confusion about the subject.  Your home and contents are covered by your homeowners insurance if they are damaged by a tree or branch.  The cost to remove the tree or branch is also covered.  Keep in mind that the tree or branch must cause property damage to be covered by the policy.  Broken branches or a falling tree in the yard would not have coverage for the removal. 


Most homeowners tend to think that since the tree was located on their property, they are responsible for any damage that it causes.  In most cases, the property owner where the tree was located is NOT responsible for any damaged caused from either the broken branches or the entire tree falling over onto another property. 



There are scenarios where the tree owner could be considered negligent and would be responsible for damage.  Insurance Commissioner John Doak's office stated "if your neighbor knew that their tree was a safety concern and nothing was done, your neighbor could be considered negligent. This could be true if the tree was in poor health or not properly maintained. The policyholder’s insurance company may try to collect from the neighbor’s insurance company in a process known as subrogation. If the insurer is successful, you may be reimbursed for the deductible."  If you have a neighbor with  a tree in this condition, we recommend documenting every discussion you have had with the owner.  Be sure to send notices in writing and take pictures. Maintain a paper trail in case damage does occur to your home.  This will help you prove that the tree owner was negligent and possibly subrogate against the neighbor's insurance carrier. 


If your home has sustained damage, contact Home Claim Solutions anytime at 918-949-9077.  We can assist you with the tree removal and repairs.  

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