Here in the Pacific Northwest, we get the full gamut of weather over the course of a typical year. But our rain – including wind-driven rain – is prevalent enough that we are known for it worldwide. As a homeowner or commercial building owner, you cannot afford to ignore the exterior maintenance work necessary to protect your preperty.
The real estate market continues to boom in many areas, which means that buyers often have an elevated sense of urgency in making an offer on a home. Here are 3 tips for buying a home during the pandemic.
Insurance Coverage and the “EFFICIENT PROXIMATE CAUSE” In Washington, a judicial doctrine called the “efficient proximate cause” rule may apply and affect insurance coverage when multiple events combine to cause a loss. The doctrine is considered “friendly” to insureds because it sometimes creates coverage for a loss caused in part by an excluded peril,…
Considering an Insurance Claim for Business Interruption Due to COVID-19? Here’s What You Should Know Throughout the United States, thousands of businesses have been forced to cease typical operations to quell the spread of COVID-19. Unfortunately, this virus has caused massive lost profits for these businesses. Does one of your business’s insurance policies provide…
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…
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…
A leak in the roof of your home can cause extensive water damage that may go unnoticed for years before you finally discover the problem. Even a small leak can lead to mold, rot, and other damage in your attic, walls, ceilings and floors. Detecting a roof leak can be done with the help of…
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…
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…
