When a home is damaged or destroyed, insurance claims are settled based on rebuild cost, not market value. While market value reflects what a buyer would pay, rebuild cost focuses on what it takes to reconstruct the home using current materials and labor. In our years of professional service helping homeowners in Reno, NV, we’ve [...]

It’s a scenario many homeowners dread: a storm rolls through, winds pick up, and suddenly a neighbor’s tree crashes down onto your roof. The damage can be costly—and the immediate question many people ask is, “Who pays for this?” Tree damage between neighboring properties is one of the most common home insurance disputes. Fortunately, the [...]