Insurance Claims

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Open attic hatch in a smoke-damaged home showing gray ash residue on insulation and framing lit by a work light
Insurance Claims

Wildfire Smoke Damage Claims in California: Testing, Restoration and the Smoke Damage Recovery Act

A house that did not burn can still be contaminated in the attic, the wall cavities and the HVAC. How smoke gets into a building, what testing should cover before and after cleaning, how to scope clean versus replace and what AB 1795 changes starting January 1, 2027.

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Gloved hand holding a moisture meter against water-stained, deteriorated sheathing exposed in a stucco wall test opening next to a window, with a steel rule for scale
Insurance Claims

Defective Work vs. Resulting Damage: How Experts Separate the Two Under a CGL Policy

A CGL policy sorts construction defect cost into categories, but only if the repair estimate is built that way. How a construction expert separates defective work from resulting damage, prices access, code upgrades and betterment and dates when damage began.

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