Your home may be your single greatest investment. We want to make sure you are protected. We can insure a single family home, condominium unit, mobile home, duplex, triplex, 4plex, and virtually any kind of residential dwelling. We insure homes that are owner occupied, tenant occupied, vacant and under construction.
Having a hard time finding coverage for your property because of age, claims history, exposure to brushi fire zoning? No problem! We are appointed with many insurance companies, and will find you coverage no matter what your situation is.
We can even provide coverage if you have a wood shake roof, an unacceptable dog breed, a trampoline, or more!
Contact us now for a quote!
3205 Old Conejo Rd, 2nd Floor
Newbury Park, CA 91320
Fax (805) 496-8572
info @ hayekinsurance.com
California Department of Insurance 0F09609
Does my home insurance cover mold?
Technically, no, but the ensuing water damage may be. Our case history illustrates a situation involving a plumbing leak within a raised foundation. The insurance company was denying coverage, because mold was present, and it was deemed a "wear and tear" issue. However, upon discussing the case with our adjuster, we were able to have them agree to pay for the cost to access the broken pipe. After all, it is their responsibility to perform discovery, and determine the cause of loss. Ultimately, much of the claim was covered, simply by understanding the contract language, and asking the right questions.
Need help with your claim? Call Now! We'll walk you through the process and offer advice at no charge! 800 860 8835
Actual Cash Value v. Replacement Cost.
If you suffer a water leak and your insurance company has agreed to pay for the damage, you must consider how they funds will be allocated. If you decide not to rebuild, you may not receive nearly as much as you would if you did. As an example, a small area of your wood floor is damaged, but you can live with it, and opt for collecting your settlement and not rebuilding. You may have just missed out on a substantial amount of compensation! Unless you actually rebuild, you will only be compensated for the actual cash value (depreciated), and not necessarily compensated for all the work that my result from actually removing and replacing the floors- like the baseboards, and the walls, and the recoverable depreciation when you discover that the cost of the job was a lot higher than estimated.
If you need help with your claim, call us now! We will guide you even if you're not a current client.
Finding Insurance for a home in a brush zone or fire zone
If you own or are purchasing a home in a brush zone or high fire zone, expect to pay more for your home insurance, and also be prepared to have insurance with the California Fair Plan, and/or a non admitted insurance company like Lloyds of London. Being close to the brush zone is a lifelong problem, but having the peace and tranquility of a private lot, may be worth the difference. If you're having trouble finding insurance, give us a call. We can help!