Christopher Hess

Disaster mitigation and restoration is a critical service after property damage, and how you manage it may affect the outcome of your claim.

You don’t want to find out how your coverage works during a claim or that you’ve been paying for coverage you don’t need.

"The company was ambushed and had to disprove incorrect information. All the while, claim payment was being withheld."

Disagreement in the course of a property insurance claim is an anticipated part of the process, but here are several ways to keep it civilized and productive.

The adjuster is an expert on property claims yet still hires specialists. Why would the insured go it alone?

Language and distance can add time and expense to international claims, but they don't need to be any different than local ones.

With property claims, the assumption is: Submit your invoices, and your insurer sends you a check. If only the process were that simple.

The minor endorsement can make a major difference on a property claim.

The annual business interruption worksheet can be supplemented with information that generates a realistic look at risk -- and cuts premiums.

For one, companies only have too many people involved rather than assigning responsibility to a single person.