Mold, Fire, Flood & Other Topics: Homeowners Insurance Explained

Packed with 101 short, easy-to-read, informative topics, it’s a valuable tool for everyone wanting to know the essentials about homeowners insurance but don’t want to be bogged down with technical mumbo-jumbo. Topics of particular interest include how adjusters interpret the policy, what to do when your claim is denied, and how to ensure that your policy has enough coverage.

Part One answers such questions as:
-Is my house UNDERinsured?
-Will my policy be cancelled? and,
-Do I need a public adjuster?

Part Two decodes the policy to a simple, understandable level. Topics discussed in this part of the text include:
-What is covered, and what is excluded.
-Limits (structure, contents, etc.)
-Replacement Cost and Actual Cash Value

Part Three delves into the realm of losses by describing in detail the most common types of claims and what you should expect from your insurance company. You will read about:
-Plumbing Failure
-Sewer Backup
-Earthquake
-And of course mold, fire, flood, and many others.

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All Customer Reviews
Average Customer Review:
0 of 0 people found the following review helpful:

A Happy Home Owner, 2008-04-16
Lots of helpful information I couldn't find anywhere else. I even got my insurance agent a copy.


1 of 1 people found the following review helpful:

An Essential Resource, 2008-03-23
Without this book, there'd be no way I'd be able to understand my home insurance policy in its entirety. I recommend it to anyone who really wants to learn the subject matter. It's one of those books that you'll keep on referencing for years like a dictionary or encyclopedia.


0 of 0 people found the following review helpful:

Great Reference Book, 2007-10-21
This book is an encyclopedia in terms of how much information it has. I knew NOTHING about homeowners insurance until I bought it.

The guy whose review says it was "biased" is a morone. In more than one section, the author tells the reader to report their insurance company to the appropriate state agency that'll investigate any shenanigans by unscrupulous adjusters and insurance companies (see pages 91 & 100, among others).

Anyway, it's a great book.


1 of 1 people found the following review helpful:

Glad I got a Copy, 2007-10-04
While a fire burned parts of my house, three clowns (i.e., public adjusters) appeared in front of my property. Each one told me how they could get me "the biggest" settlement if I agreed to their representation for "only" 30 percent of my settlement.

I couldn't believe my ears. There was my house, still smoldering, and all they could talk about was how they could get me the biggest settlement. I promptly ran their butts off my property.

My neighbor, who's a good friend, then told me about this book. I was skeptical before reading it but, after I read it, I found myself understanding my policy and what's involved in the claims process.

The advise is down-to-earth, explanations are concise, and the material is presented from an unbiased perspective. (The author goes so far as to encourage the reader to sue their insurance company if they screw up.)

Good book.



0 of 2 people found the following review helpful:

Informative but too biased in favor of insurance companies, 2007-08-18
The book consists of dozens of chapters, each with one or two pages on each topic/ chapter. Some of the information was helpful, including definitions. However, the author is an insurance agent and adjuster and his comments are heavily biased in favor of the insurance companies. For example, one chapter is entitled "Trust Your Insurer," a second is "Adjusters are very busy people" and in it says "My point is this: give your adjuster a break" and later "your adjuster is working as fast as is reasonably possible." It does not say that insurance adjusters are rewarded for minimizing and delaying payment of a claim (which they are) and that they might not actually be working in your best interests. If you want to arm yourself to get the best possible insurance settlement, this is probably not the right book for you.

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