

Your Roof and Your Insurance Policy
For the past twenty years the interest in roofs by the insurance industry has increased exponentially. From simple questions about type and age the topic has evolved to high tech AI assisted ariel imagery being used to develop numerical scores. The images are used to identify roof covering material, estimate roof age, detect wet areas, and evaluate the condition of the roofing materials. We have previously written an article on insurance roof inspections. The Roof Score Techn


The Impact of Smoke Damage on Your Claim
Smoke Damage after a Fire – A potential total Loss? The insurance business is based on the law of large numbers and the use of historic data to guide its decision making. The past history of fire losses have treated smoke damage as a secondary issue. It meant smoke damage after a fire was a cleanup issue and if needed seal with a coating to make it go away. The primary issues were appearance and odor. This approach was based on a hundred years of experience with fires that w

