Author: David Yin

Coverage of Water Damage

On the beginning, there is one kind of water damage in the insurance policy. It is a sewer backup. Now there is two more new coverage about water. Here is a sample from Optimumwest insurance company.   Sewer Backup Water (Excluding flood water) entering the home from: Sewer or sump system Septic tank Outside drain

Disaster Financial Assistance

The insurance industry and government have a long tradition of working together in a social contract to provide relatively seamless compensation to citizens who suffer devastating losses of property. The insurance industry takes most of the risks (e.g., fire, theft, windstorm). Government mitigates others through public policies such as land-use laws, regulations, and zoning that

Dwelling Styles

There are so many different styles of house. Yes, I mentioned the single house, or detached house. It is a free-standing residence building. Sometimes referred to as a single-family home, as opposed to a multi-family residential dwelling. I get the list of these variations below. One Story, Rancher and Rambler A dwelling consisting of one

Basic Construction Terms

When I study the construction phrases, I saw this set of terms of construction.  Recorded here for further use. Balloon Framed Wall – Framed walls (generally over 10′ tall) that run the entire vertical length from the floor sill plate to the roof. This is done to eliminate the need for a gable end truss.