Cyber Risks and Your Homeowner Policy: The Coverage Gap
Your homeowner policy predates the internet. Why cyber risks, identity theft, ransomware, social engineering, and smart-home hacks fall outside the HO-3.
Drug Contamination Claims for Landlords: Meth and Fentanyl
When a tenant turns your rental into a meth lab or grow: the vandalism theory, state cleanup standards, case law, decontamination costs, and how to get paid.
Employee Dishonesty and the Crime Policy Coverage Gap
Why your business property policy won't cover employee theft, how crime policy sublimits leave businesses exposed, and the standalone coverage you need.
Filing a Vandalism or Theft Claim After a Break-In
How to file a homeowner's claim after burglary or vandalism: police reports, documenting stolen items, sublimits, SIU, and mistakes that get claims denied.
Glass Breakage Claims: Coverage and Denial Tactics
How glass breakage is covered under homeowner and commercial policies, the vandalism glass exclusion, tempered glass code upgrades, and thermal stress denials.
Theft and Burglary Insurance Claims in California
Filing theft and burglary claims: Dwelling, Other Structures, and Personal Property sublimits, mysterious disappearance, vacancy exclusions, and SIU tactics.
Vacancy and Unoccupancy Clauses in Property Insurance
Vacancy and unoccupancy clauses can eliminate coverage for vandalism, fire, and other perils if your home is empty too long. The critical difference explained.
Vandalism Claims: When Insurers Call It Wear and Tear
How to handle vandalism claims, push back when insurers mislabel vandalism as wear and tear, and document break-ins, grow ops, and tenant destruction in CA.