FHJ – The Right to Inspect – June 2017

Did you ever have an insurance company inspect your home or property and tell you that you had to fix or change something? Am I required to comply? Will it lower my insurance costs? What gives the insurance company the right to require it? Let’s start with the basic...

FHJ – Loss vs. Maintenance – May 2017

  Anyone who has ever looked at an insurance policy knows that the wording is far from simple. There are always grey areas. I can tell you that most times those grey areas have arisen out of coverage challenges in the courts. Commonly challenged is the intent of...

FHJ – Travel Insurance – April 2017

Travel Insurance is viewed by many as a mysterious coverage.  Many assume it is only available through a Travel Agent when booking a major trip such as a cruise or European trip. There are many coverages that can make it a wise investment for most any trip. It is...

FHJ – Insurance Fraud – January 2017

“Watch your pennies and the dollars will take care of themselves” is an adage that is often attributed to having been ‘coined’ by Benjamin Franklin in the late 1700’s. A little measure of fraud there in that he converted the long established British adage to reflect...