FREQUENTLY ASKED QUESTIONS

An FAQ section can be used to quickly answer common questions about your business like "Where do you ship to?", "What are your opening hours?", or "How can I book a service?".

FAQs are a great way to help site visitors find quick answers to common questions about your business and create a better navigation experience.

• Actual Cash Value (ACV) is the depreciated value of an item. That depreciation is calculated based on the age and condition of that item. • Replacement Cost Value (RCV) is the cost to repair your home at today’s prices of building supplies. • Whether or not your insurance company will pay for ACV or RCV is dependant on your specific policy's language. • Some policies only cover ACV, and those policies typically have a lower premium. Other policies will cover RCV, usually at a higher premium. • The catch is that RCV benefits are only paid once they're incurred. Therefore, when the insurance company first calculates your loss, they’re going to do it by ACV initially. Then, if you have RCV coverage, they’ll issue a supplemental payment once the repairs are completed, and you submit the invoices for the repair work. This is called recoverable depreciation.

FAQs can be added to any page on your site or to your Wix mobile app, giving access to members on the go.

• Your insurance policy is a contract between you and your insurance company. When the insurance company conceals information, makes misrepresentations, or otherwise does not abide to the terms of the contract, grounds for a bad faith claim arise. • This is based on the legal duty of "good faith and fair dealing," meaning that every party involved in a contract has the duty to perform the agreement as intended. If the insurance company breaches their duty of "good faith," they can be held liable for "bad faith." • Every state has different, unique laws to protect insureds in cases of bad faith. Therefore, what is and is not considered bad faith varies by state. It is considered difficult to prove bad faith in Alabama, but not impossible. • If you suspect your insurance company has acted in bad faith, call us today for a free review of your claim.

• If you are in a situation where you and your insurance company cannot agree on what your claim is worth, you have two options. The first option is to retain an attorney and file a lawsuit. • This is a typical litigation process, meaning it is tedious and could result in a trial. • Most cases end when we negotiate a settlement with our client's insurance company instead of a trial. This saves our clients time and money while still ensuring they are appropriately compensated. • The second option is to demand appraisal. Almost all insurance policies have an appraisal provision, and that process can be invoked by the insurer or the insurance company. If either party demands it, you must go through that process. • During this process, each party hires an independent appraiser, and both do a reinspection. During the reinspection, the appraisers try to reach an agreement. • If no agreement is reached, an umpire is brought in to act as a mediator. The umpire reviews estimates prepared by both independent appraisers and issues an award. • In certain instances, the umpire will not issue an award and at that point, your only recourse is litigation.

• Yes, most policies contain personal property coverage, also known as contents coverage. Personal property includes furniture, clothing, electronics, and even spoiled food. If you have personal property coverage, the insurance company will pay to either replace, repair, or clean the damaged items. • Insurance companies often require detailed inventories of all the personal property items in your claim. After a loss, it can be overwhelming for policyholders to go through all their belongings, which is why we are here to help you throughout the itemization process. • You should take as many photos as possible of the damaged items for documentation purposes. Keep receipts of any replacement items you buy. If you have the original receipt for an item you are claiming, keep them in a safe location. Any information about pricing you may have will be helpful to supplement your inventory.

• Pools and pool enclosures are either specifically covered or specifically excluded in your policy. • There are some policies that even exclude any pools or enclosures attached to the house. • If your home has a pool, it is a good idea to review your policy.

• Most insurance companies will pay to remove a tree from a house, or another structure such a fence or shed. • However, most policies do not cover the cost to remove trees just lying in the yard. • Your insurance company will never pay to replant or replace a tree.

• Every policy is different. Very few policies we have reviewed prevent the homeowner or building owner from making upgrades. However, the insurance company will not pay for these upgrades. They will only pay you for what was already there and you will have to pay the difference in cost. • For example, if you had formica countertops before and wanted to upgrade to granite, you would need to get a contractor quote for what you already had, formica, and a separate invoice for granite. They will pay for what you already had and you will be responsible for the difference.

• Yes. Usually the initial payment is just to get the repairs started. If you start repairs and find more damage later, you can supplement your claim. • In fact, there is an Alabama statute that protects the insured in insurances such as these. The insurance company cannot "hold you hostage" with a low check by insisting that you cannot make further claims for damage.

• Most insurance policies have ordinance or law coverage which covers upgrades mandated by the building code. This could be things like upgrading your windows, really nailing down the roof decking, or taping the seams of roofs.

To add a new FAQ follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Add a new question & answer 3. Assign your FAQ to a category 4. Save and publish. You can always come back and edit your FAQs.

Yes. To add media follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Create a new FAQ or edit an existing one 3. From the answer text box click on the video, image or GIF icon 4. Add media from your library and save.

You can edit the title from the FAQ 'Settings' tab in the Editor. To remove the title from your mobile app go to the 'Site & App' tab in your Owner's app and customize.