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

Frustrated with your insurance company? Wondering if your house is underinsured? Want to know what to expect when you file a mold claim? If you answered "yes" to any of these questions then "Mold, Fire, Flood, & Other Topics: Homeowners Insurance Explained" is for you. This is the book many insurance companies don’t want you to read.

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.

R. A. Martinez is an expert insurance adjuster, agent, and author who has been interviewed on live television, radio, and the internet, and has been featured on CBS MarketWatch and several other media outlets. He lives in San Diego with his wife and daughter.