Water in Crawlspace

What to do if your Basement or Crawlspace Floods

  If water makes its way in your basement or crawlspace, you need to take action fast.  Particularly in basements or other heated spaces, water can cause mold, mildew, rot, and other damage very quickly if it is not promptly and properly removed. Causes of water infiltration Water can make its way into your home…

How to Make a Claim on your Homeowner’s Insurance Policy

Recent, heavy storms here in the Pacific Northwest, with more wet and windy weather in the forecast, means that many homeowners will likely suffer property damage that may be covered under their homeowner’s policy.  Here are some tips and a video to help you decide whether to make a claim, and some words of warning…

Washington Supremes

Washington Supreme Court Upholds Fines Against Chicago Title Insurance Co. for Violating the State Anti-Inducement Statutes

On August 1, 2013, the Washington State Supreme Court confirmed that Chicago Title Insurance Co. (“Chicago Title”) was liable for the acts of its agent for violating the Washington State anti-inducement statutes.  These statutes limit to $25 the amount that an insurer can spend to purchase prizes, goods, wares, or merchandise in connection with any…

Understanding Ensuing Loss

Understanding the “Ensuing Loss” Clause in your All Risk Insurance Policy

An all risk insurance policy provides coverage for all risks unless the specific risk is excluded. For example, if an all risks homeowner’s policy does not expressly exclude flood coverage, then the house will be covered in the event of flood damage. Some exclusions may include “ensuing loss” clauses. An ensuing loss clause limits the…

Navigating

Navigating the Murky Waters of Rental Caps and Hardship Exceptions

If you are reading this article based on the headline, you’re likely already familiar with the problem. The downturn in the economy and associated depression of housing prices have created new challenges for Washington condominium residents far beyond the usual run of the mill disputes over noise violations and pet odors. Condo associations across the…