Stephanie Ehman, CIC, CPRM, CISR, CPSR

Mold is more than just an eyesore — it can pose serious health risks and lead to costly property damage if left unchecked. One of the most common causes of mold growth is moisture intrusion, which can result from leaky roofs, poor ventilation, plumbing issues, or even storm damage. Because mold often develops slowly, insurance coverage for mold damage can be tricky . In many standard homeowners insurance policies, mold remediation is only covered if it resulted because of a covered peril —...

Life insurance provides financial protection to individuals and families in the event of a death. When you have pre-existing conditions, securing life insurance can be more complicated, but it may still be possible. Insurers consider the specific pre-existing condition, its severity, how well it's managed, and your overall health. Full transparency is key when applying for life insurance. Disclose all pre-existing conditions and provide accurate medical records. Failure to do so can lead...

When temperatures drop, the risks to luxury properties rise. From frozen pipes to roof collapses, winter weather can cause extensive and expensive damage to high-end homes. For homeowners with valuable real estate and assets, taking preventive steps and ensuring proper insurance coverage is critical during the coldest months of the year. Know Your Risks Winter damage often starts subtly--a small draft, a slow drip--but it can quickly escalate. Frozen pipes can burst, causing water damage to...