Guides

Plain words for the days after.

Short guides about what happens after damage at home, written without insurance jargon. Nothing here decides your coverage; your policy and your insurer do that.

• How does a hurricane deductible differ from my standard deductible, and where is flood excluded?

  What the record says about how does a hurricane deductible differ from my standard deductible, and where is flood excluded, in plain words, with every fact cited.

  August 31, 2026

• Can I get a tarp put on before the adjuster sees it

  What the record says about can i get a tarp put on before the adjuster sees it, in plain words, with every fact cited.

  August 30, 2026

• What should a homeowner do in the first hour after a burst pipe floods a room

  What the record says about what should a homeowner do in the first hour after a burst pipe floods a room, in plain words, with every fact cited.

  August 28, 2026

• Does homeowners insurance cover mold? What my own claim taught me

  Mold is usually covered only when it comes from a sudden, covered water event, and often capped at $5,000. What one homeowner's rain leak, hidden shower leak, and black mold claim taught him about sublimits, leak detection reports, and ALE.

  August 26, 2026

• Restoration, remediation, or rebuild: who actually fixes your house

  Water mitigation, mold remediation, and rebuild contractors do different jobs, and most do not do each other's. Plain words on who does what, what certified crews actually do, and how to check credentials before anyone starts work.

  August 26, 2026