The Daily Horizon

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Can you do the work yourself on an insurance claim?

You’re Typically Allowed to Complete Your Own Repairs. In most cases, your homeowner’s insurance company will calculate the cost of completing work on you...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

How does workers compensation work in North Carolina?

Workers’ Comp laws in NC provide injured workers medical treatment for their injuries as well as wage replacement when they are disabled. Unlike the tort/...

Does age of roof affect homeowners insurance?

When you’re purchasing homeowners insurance, the age and condition of your roof will heavily factor into the premium rate. Your roof is the first impedime...

Are broken drains covered by insurance?

Most buildings insurance policies include cover for damage to underground pipes, drains, cables and tanks (often called underground services). So insurers...

Do insurance companies ever fail?

Although the insurance industry is highly regulated, insurance companies do fail for a variety of reasons. For example, they might underprice their produc...

Are private clinics more expensive?

Private hospitals can be a bit more comfortable than a large public hospital, and patients know that they are paying more for the extra service. These hos...

How do doctors set prices?

Insurance companies, hospitals, and doctors typically negotiate the price for each and every medical service. The government sets a specific price for eac...

Does homeowners insurance cover defective siding?

Does Homeowners Insurance Cover Rotted Siding? Keep in mind, your homeowners insurance won’t cover you for normal wear and tear, like rotted siding. Norma...

Are corporations required to have liability insurance?

General liability insurance isn’t typically required for businesses in California, but be aware that the state doesn’t put a cap on liability lawsuit rewa...

Do we need product liability insurance?

Do I need it? You should consider product liability insurance if your business designs, manufactures or supplies a physical product that is sold or given ...