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Have you ever wondered what could be silently damaging your home, right now, without you knowing? I remember adjusting a claim that still haunts me. A homeowner had severe moisture intrusion inside her walls , caused by a shower that was installed without a drain pan . This wasn’t a new problem — it had been going on for years , completely invisible. By the time the damage was discovered, mold had taken hold. And here’s the kicker: most insurance policies only cover mold if i

Have you ever stopped to think about what really happens between your home watch visits ? Many homeowners assume that a weekly or biweekly inspection is enough — but is it? As an adjuster on Hurricane Ian, Helene, and Milton , I’ve seen firsthand how small, unnoticed problems can become catastrophic damage  in just 24–48 hours. Water leaks, HVAC failures, and hidden humidity can quietly destroy a home — and most insurance policies won’t cover it. Could You Be Paying for Peac

I’ve been on the front lines adjusting claims after Hurricane Ian, Helene, and Milton , and over and over, I saw the same problem: homeowners assumed their insurance would fully cover their property — only to find out their claims were limited because their homes were vacant or documentation wasn’t done correctly. Most homeowners think a “certified” home watch service solves this. But here’s the reality: standard certifications are not designed to protect your insurance cover