Many property owners believe the first insurance estimate is final, but that's often not the case. Learn how supplemental insurance claims help uncover overlooked damage and ensure your settlement reflects the full scope of your covered loss.

Many homeowners are surprised to learn that insurance policies do not treat all water damage the same. One of the most costly misunderstandings is the distinction between water damage and flooding. Although the damage may appear similar, coverage often depends entirely on where the water originated. Understanding that difference can significantly affect how a claim is handled. What Is Considered Water Damage? In most homeowners policies, water damage refers to water that orig