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Claims & Coverage Gaps Edition

Claims & Coverage Gaps

Guides readers through filing claims and spotting dangerous gaps in their coverage.

16 stories
A Glossary of Claims Terms Every Policyholder Should Know
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A Glossary of Claims Terms Every Policyholder Should Know

By Insurance Basics Editorial Team · 5 min read · Nov 12, 2023

Latest in Claims & Coverage Gaps

Claims & Coverage Gaps Actual Cash Value vs. Replacement Cost: A Gap That Can Cost Thousands

Actual Cash Value vs. Replacement Cost: A Gap That Can Cost Thousands

By Insurance Basics Editorial Team · 6 min · Dec 8, 2023
Claims & Coverage Gaps Coverage Gaps: The Silent Holes in Most American Insurance Policies

Coverage Gaps: The Silent Holes in Most American Insurance Policies

By Insurance Basics Editorial Team · 9 min · May 9, 2026
Claims & Coverage Gaps Disputing a Claim Denial: A Step-by-Step Walkthrough

Disputing a Claim Denial: A Step-by-Step Walkthrough

By Insurance Basics Editorial Team · 7 min · Aug 29, 2024
Claims & Coverage Gaps Filing a Claim Without Tanking Your Premiums

Filing a Claim Without Tanking Your Premiums

By Insurance Basics Editorial Team · 7 min · Dec 29, 2023
Claims & Coverage Gaps Flood, Earthquake, and Mold: Coverage Exclusions Most Homeowners Miss

Flood, Earthquake, and Mold: Coverage Exclusions Most Homeowners Miss

By Insurance Basics Editorial Team · 7 min · Apr 10, 2026
Claims & Coverage Gaps Insurance Adjuster vs. Public Adjuster: Who Is Actually Working for You

Insurance Adjuster vs. Public Adjuster: Who Is Actually Working for You

By Insurance Basics Editorial Team · 6 min · Jul 20, 2023
Claims & Coverage Gaps Mistakes That Slow Down — or Sink — Your Insurance Claim

Mistakes That Slow Down — or Sink — Your Insurance Claim

By Insurance Basics Editorial Team · 5 min · Aug 16, 2023
Claims & Coverage Gaps Named Perils vs. Open Perils Policies: How the Difference Affects What Gets Paid

Named Perils vs. Open Perils Policies: How the Difference Affects What Gets Paid

By Insurance Basics Editorial Team · 6 min · Sep 8, 2025
Claims & Coverage Gaps Navigating the Full Claims Process: From Incident to Settlement

Navigating the Full Claims Process: From Incident to Settlement

By Insurance Basics Editorial Team · 7 min · Aug 8, 2024
Claims & Coverage Gaps Supplemental Coverage Options That Patch Common Policy Gaps

Supplemental Coverage Options That Patch Common Policy Gaps

By Insurance Basics Editorial Team · 6 min · Jan 15, 2026
Claims & Coverage Gaps The Paper Trail That Makes or Breaks an Insurance Claim

The Paper Trail That Makes or Breaks an Insurance Claim

By Insurance Basics Editorial Team · 5 min · Feb 9, 2024
Claims & Coverage Gaps Things People Assume Their Insurance Covers — But Doesn't

Things People Assume Their Insurance Covers — But Doesn't

By Insurance Basics Editorial Team · 7 min · Feb 15, 2024
Claims & Coverage Gaps Underinsurance: When Your Policy Limit Falls Short of the Real Loss

Underinsurance: When Your Policy Limit Falls Short of the Real Loss

By Insurance Basics Editorial Team · 8 min · Jan 3, 2023
Claims & Coverage Gaps What Actually Happens After You File an Insurance Claim

What Actually Happens After You File an Insurance Claim

By Insurance Basics Editorial Team · 7 min · Oct 23, 2025
Claims & Coverage Gaps Why Insurers Deny Claims — and What the Fine Print Actually Says

Why Insurers Deny Claims — and What the Fine Print Actually Says

By Insurance Basics Editorial Team · 7 min · Apr 30, 2026