Author Archives : AAAPUBADJ


Protection From Hail Storms

    Hailstorms can cause damage to windows, roofs, and the siding of a house.  In fact, hail causes more than $1.6 billion in roofing damage per year.  However, there are some steps that a homeowner can take to prevent major damage from occurring due to hail.   Roof The roof is a home’s first […]


Earthquake Coverage – Pros and Cons

      The United States experiences only 2% of the world’s earthquakes. However, nearly 90% of the population in the United States lives along seismically active areas. In the United States, 42 states are at risk of experiencing earthquakes. Earthquakes are not typically covered in a standard homeowners’ or business insurance policy. Like with […]


Flood Coverage – Know When It’s Covered

    In the United States, flooding is the most common and costly disaster that affects every region and state. However, what most homeowners do not realize is that flooding is not covered under a typical insurance policy. Only flood insurance covers the damages caused by rising waters. However, there are certain situations where flooding […]

Flood coverage

shingles blowing off

Preventing Blown off Shingles

        It’s the time of year again when the temperatures are high and there are frequent thunderstorms. High winds cannot only affect siding on a house but can also affect the shingles on a roof. But there are ways to help prevent shingles from coming off a roof.   Some things that […]


Why do buildings collapse?

        Buildings collapse for many reasons but generally people can tell the cause based on the shape of the structure once it has settled.  A prime reason for collapse of a building is loss of stability. This occurs when a specific force or combination of forces impact the shape and integrity of […]


What Does Appraisal Actually Mean

  The Insurance Code in every state requires that the appraisal condition be contained in every homeowner or business policy. It is critical for the insured to understand the appraisal process, so they can utilize the process if their insurance company underpays them. Below is an excerpt from a homeowner’s policy that outlines appraisal: Appraisal. If […]


Insurance Claim Tips When a Tree Hits Your Property

  Over the last several weeks’ nor’easters left quite a mess in Pennsylvania and New Jersey. Thousands of residents in Bucks, Montgomery, Philadelphia, Chester, Camden, Burlington and Atlantic counties went without electricity and impassable roads for days, some over a week. Damaged vehicles, businesses, and homes are adding stress to many of these residents.   […]