To succeed against an insurance adjuster, preparation and assertiveness are essential. Gather all relevant documentation, including the insurance policy and any communication with the adjuster. Clearly state your claims and provide evidence to support them. Be patient and persistent, as adjusters may initially offer low settlements. Counter their arguments with facts and reason, using specific … Read more
Having a cat can affect your insurance rates in a few ways. For liability insurance, which covers damages you cause to others, a cat is generally considered a low-risk animal. This means that having a cat will likely not significantly increase your rates. However, if your cat causes damage to someone else’s property, your insurance … Read more
Facultative reinsurance is a type of reinsurance where the reinsurer agrees to cover a specific portion of a particular risk, such as a single property or event. It is non-proportional, meaning that the reinsurer’s liability is not directly linked to the policyholder’s premium. The reinsurer has the option to accept or decline coverage for each … Read more