Adding an Additional Insured to Your Insurance Policy

What is an Additional Insured?

An Additional Insured (AI) is someone else who is added to your business insurance policy. That coverage might last one day, one job, or all year.

Additional Insureds get two valuable kinds of protection:

  • Defense – if someone sues your AI for something covered by your insurance, your policy steps in to defend them.
  • Bodily Injury and Property Damage – your policy will pay on behalf of the AI for someone else’s medical bills or property damage .

Why Would I Agree to Cover Someone as Additional Insured?

Usually, it’s because you really want to sign a contract that requires it. Often, the contractual party with the most bargaining power is the one named AI. The weaker party adds them to their insurance. We didn’t say it was fair, did we?

For example, a landlord with a prime retail location might require tenants to add them as Additional Insured. Because you really want to be in that location, you could agree.

Additional Insureds are also common in construction trades. The practice may reduce finger-pointing and expedite settlement of accidents and claims.

What are the Disadvantages to Adding an Additional Insured to Your Policy?

Adding an Additional Insured essentially shares your insurance with someone else. Their claims become your claims. Their troubles become yours. It’s like a shared data plan, but with a maximum cost in the millions. What if your Additional Insured has a lot of claims?

  • Your insurance company might raise your rates, refuse to renew, or even cancel your policy.
  • Many commercial liability policies have an “annual general aggregate” limit. Each claim reduces the fund available to pay future claims. You may be left with a lot less insurance – less than your next job requires.

How to Add an Additional Insured to Your Insurance Policy

Contact your insurance agent if you want to add an AI to your policy. They should review the contract and your policy. They can advise you how this will affect your business and your insurance costs.

Can My Insurance Company Refuse to add an Additional Insured?

Yes. The insurance company will review your contract and exposure it creates. They may decide that it’s too risky. Some insurance policies don’t permit Additional Insureds at all. Professional liability policies are a good example. Each party should be responsible for the performance of their own professional activities.

How Much Does it Cost to Add an Additional Insured?

Additional Insured costs vary among policy types and insurers. Some business policies have “blanket additional insured” endorsements. For a flat price, these cover anyone that you contractually agree to include as AI. Otherwise, insurers charge for each Additional Insured, usually starting at $25.

Are “Proof of Insurance” , “Certificate of Liability Insurance” and “Additional Insured” the Same Thing?

No. Certificates and other proof of insurance forms are just that. They show that you have insurance at a moment in time. But if your policy doesn’t include an Additional Insured, proof of insurance doesn’t change that.

However, Additional Insureds usually DO ask for Certificates of Insurance. They want to prove that they are Additional Insureds on your policy. Your agent will only provide this if your certificate holder has AI status.

Is your business in the Portland Maine area? Do you need help with contracts, insurance requirements, additional insureds, leases or equipment rental? Contact a Noyes Hall & Allen business insurance agent at 207-799-5541. We offer a choice among Maine’s preferred business insurance companies. We can help you find the right fit for your business and your budget. We’re independent and committed to you.

Commercial Insurance for Maine Business Start-Ups

Commercial insurance is requisite for any business in the modern world, including start-ups. In fact, new businesses or start-ups have the most to lose if things go south. Therefore, it’s vital to protect yourself in the best possible way – including getting commercial insurance. In Maine, this type of coverage is not mandated, but if you are serious about running a successful business, you need to get it.

Purchasing commercial insurance might be the difference between death and survival  for your start-up. If you are planning to open a new business in The Pine Tree State and need coverage, Noyes Hall & Allen Insurance in Portland, ME is the place to look. We offer the following commercial insurance coverage options for start-ups:

  • General Liability Insurance for Start-Ups. GL pays for losses arising from settlements, claims, or lawsuits that your start-up may face due to injuries or property damage caused to third parties.
  • Professional Liability Insurance. Many creative and tech startups would face disaster if sued for copyright infringement, programming error, printing mistakes and other gaffes. Professional liability insurance protects you and your reputation by defending you and paying damages you might owe.
  • Property Insurance for Start-Ups. This covers physical assets owned by your start-up. This includes your investments in inventory, structures, equipment and company vehicles (commercial auto insurance). Damages caused by wind and hail storms, fire, smoke, collision and vandalism fall under this category.
  • Flood Insurance.  Flood damage isn’t covered by business property insurance. That’s why you need flood insurance for your start-up. Remember that flooding can occur anywhere, anytime. It helps to be covered from the resultant losses.
  • Workers Compensation Insurance. In Maine, if you have employees, you’re required to provide workers comp insurance. Your employees are an essential part of your business. Ensure that they are taken care of in case of an accident that results in injury, disability, or missed work.

Other coverage options are available, but these are the most important. Commercial insurance is the best way to make sure that your business doesn’t go under after an unfortunate event. For more information on commercial insurance from Noyes Hall & Allen Insurance in Portland, ME, call us at 207-799-5541, or visit our website to get the answers you need.

How to Keep the Funds in Your Fundraising Event


You created a fabulous signature event for your non-profit. The stakes are high. Your budget – maybe your job – depends on its success. But you’ve done your homework. The board is jazzed. Volunteers, donors and the venue are ready. Publicity and social media are on point. RSVPs and reservations are rolling in.

Now all you need is good luck. Here’s how to stack the odds in your favor.

Your Programs Depend on the Event’s Revenue. Protect It

Insure the weather.

Does the forecast keep you up at night for weeks before your event? Believe it or not, you can insure the weather. A special insurance policy can reimburse you for lost revenue caused by stormy weather.

How does weather insurance work? Pick the amount of income you want to protect, and a “trigger”. For example, if it snows more than 6” at the event site, your insurance pays the amount on your policy.  It might cost a few points of revenue, but it’s better than a big loss if the weather makes everyone stay home.

Hire Out the Risky Stuff

Your non-profit is probably not in the business of tending bar, supervising a road race or shucking oysters. Do yourself a favor: hire a professional. One with their own insurance.

Don’t take on a lot of risk for a little savings. If something goes wrong, those savings are soon forgotten. But the injury or damage you caused to others – and to your reputation – could last a long time.

Protect Donations

Do you collect and store auction prizes and other donations before your big event? Don’t let a broken pipe, fire or theft erase the good they were intended to do. Add them to your insurance policy – and remove them after the event.  It doesn’t cost much, and can save a lot.

While we’re at it, make sure you have “money and securities” coverage and “employee dishonesty” coverage. Make sure your organization keeps the funds you worked hard to raise.

Love Your Volunteers

Your organization would be lost without them. You appreciate the heck out of them. Do you treat them that way? Would you leave them out to dry if they got in trouble from working your event? Does your insurance protect them against lawsuits for injury or damage they cause while volunteering? If not, fix that. Now.

What about board members? Committed directors are hard to find. Does your non-profit have Directors & Officers Liability coverage? Those with considerable assets are more likely to serve if they have protection from lawsuit. Don’t you owe that to them?


Talk to your insurance agent about your event. Explore the coverage we listed above. See what fits your budget. Better to explain to your board that you investigated insurance and chose not to buy it than that you never thought of it.

Noyes Hall & Allen helps Greater Portland non-profits manage their risk within their budget. That allows them to stay true to their mission and avoid financial catastrophe. If you’d like to talk to a Noyes Hall & Allen Insurance agent, call 207-799-5541. We’re independent and committed to you.

What’s Covered and Excluded on a General Liability insurance policy?

When you own a business, you invest your time and resources into it so you can make it successful. Getting sued could cause your company a great deal of damage, including loss of reputation and financial losses. It’s important to protect yourself. If you have a business in Portland, ME, you can talk to the trusted agents at Noyes Hall & Allen Insurance to learn how to protect your business against future losses with a general liability policy.

Here are some of the items covered:

  • Property Damage – This includes any damage to physical property that occurs because of the operation of your business. It can also include damage caused by a defective product.
  • Medical payments – This comes up frequently when visitors have accidents, such as when customers slip and fall on a snowy parking lot or wet floor. This can become expensive if injuries were serious or treatment is long-lasting.
  • Advertising – This protects you if someone claims that you infringed on their copyright when advertising your own product or service.
  • Reputation – While most people don’t think about this before it becomes an issue, you can end up owing money because of claims of libel, slander, false arrest, and other similar charges.

Some people are unfortunately quick to sue. A single lawsuit could destroy your business if you are not protected.  If you have a business in Portland, ME that you want to protect, contact Noyes Hall & Allen Insurance today at 207-799-5541. We’re independent and committed to you.

Are Drones Covered by Maine Homeowners or Business Insurance?

Flying Drone

Innovative Maine businesses use drones to literally get a new perspective on their operations.  Land owners survey lots and buildings. Engineers use photos from unmanned aerial vehicles (UAVs) in project work.  Photographers and videographers use drones to capture unique images and videos. Marketers use or hire them to create compelling and disruptive visual content. Even individual hobby fliers own drones now.



Drones: A Money Saving Investment

High quality drones and UAVs are not cheap. It’s easy to invest $15,000 or more in a good quality industrial setup, including cameras and software. Still, that can be a lot less expensive than renting an airplane or helicopter, and offers much more control and flexibility. It’s also safer than sending an employee up on a ladder or bucket to inspect facilities at height. The price of hobby drones has dropped a lot in the last few years. You can find them for less than $1500.

Legal Issues for Drones in Maine

The FAA requires registration of drones and UAVs weighing more than 0.55 lbs. The maximum weight permitted is 55 lbs. Permitted location and other rules vary between pleasure and business use. A remote pilot airman certificate is required as well.

Drone owners and operators face many of the same liability issues as other aircraft pilots. The low altitude operation of UAVs can also create privacy and property issues. Some examples:

  • Injuring someone, either directly, or by causing an auto accident
  • Damaging property by striking it
  • Invasion of privacy or trespass

Even if a claim against you is not valid, defending yourself can cost many thousands of dollars in legal fees in Maine.

Drones are NOT Covered by Standard Insurance Policies

Because drones are considered unmanned aircraft, and subject to FAA regulation, they are excluded from coverage on homeowners or business liability policies. The Maine Bureau of Insurance recommends that you buy separate insurance for your drone. We agree.

Up to now, few insurers have offered insurance on drones. One of our company partners, Acadia Insurance recently introduced a liability insurance plan for businesses that use drones as an incidental part of their ordinary operations.

If you or your Maine business uses a drone or other UAV, contact a Noyes Hall & Allen Insurance agent in South Portland at 207.799.5541. We’d love to hear how you’re using this innovative technology for fun or business. We can help you manage your risk. We’re independent and committed to you.

How Much Does Lawn Care / Landscaping Contractor Insurance Cost in Maine?


Maine’s growing season is short. Landscapers and lawn care contractors only have a few months to earn money. That means they must watch expenses carefully to be profitable. Too much overhead can be the difference between profit and loss for a Maine contractor. 

How Much Does Landscaping Liability Insurance Cost?

Prices vary depending on:

  • Whether you specialize or not – pesticide or heavy tree work specialists pay more for insurance.
  • How much experience you have – seasoned businesses with good experience pay less than start-ups.
  • How much you make – higher revenues means higher insurance costs. 
  • If you plow in winter – If you take on lots of commercial plowing jobs, you’ll pay more for coverage.

If you’re a single operator in Maine with a mower or two, you’ll probably pay less than $1500 a year. If you have heavier equipment to insure, you’ll pay a bit more.

 Do I Need Workers Compensation Insurance for My Landscaping Business?

If you have employees, yes. If not, you may or may not have to buy workers’ comp, depending on the legal setup of your business. For example, if you’re a “dba”, you can choose to cover yourself under workers compensation, but you’re not required to.


Related Post: Who Needs to Buy Workers’ Comp Insurance in Maine?


How Much Does Lawn Care Equipment Insurance Cost?

You can insure tools and equipment like deck mowers, weed trimmers, hand mowers and hedge trimmers on a contractors package policy. The price varies with the value of the equipment. It usually costs less than $3.00 per $1,000 of value. Some policies offer replacement cost coverage (new for old). Other policies cover depreciated value. Ask your agent what they’re quoting.

How Much Does it Cost to Insure My Landscaping Truck and Trailer?

Business vehicle insurance costs more than personal. For a brand new 1/2 ton pickup, budget about $1500 per year – more if you plow commercially. Even though it’s more expensive, it’s still a good idea to buy the business policy. You want to be covered properly.

Related Post: Should a Maine Contractor Insure Vehicles in a Business Name?


Can I Store My Lawn Care Stuff in My Garage at Home?

Storing fuel or equipment in an outbuilding  can VOID COVERAGE for that building on your homeowners policy. If you have gas cans and mowers in your detached garage, and a fire starts, destroying the garage, your homeowners policy will NOT cover the rebuilding cost – even if the mowers or fuel had nothing to do with the fire.

Talk to your homeowners insurance agent about how your policy deals with this. Another option: insure your garage on your contractors policy. You want to make sure you have insurance help to rebuild after a disaster.

Have questions about contractors insurance for Maine landscaping or lawn care business? If you live and work in the Portland Maine area, call a Noyes Hall & Allen Insurance agent at 207-799-5541. We represent many insurance companies, so we can recommend the best value. We’re independent and committed to you.

When Should a Maine Contractor Insure Vehicles Commercially?


Contractor Banner 582 X 172 (2)


Many Maine contractors drive personal vehicles for business every day. Cleaning contractors drive their own cars to jobs from Cape Elizabeth to Cumberland. Food delivery workers pop a magnetic sign on the roof and zip through Portland streets. Uber drivers shuttle people to and from the Old Port in their SUVs. Landscapers haul mowers on trailers from Scarborough to Yarmouth. Carpenters and handymen load tool boxes and ladder racks for Munjoy Hill rehab projects. In winter, contractors from Kittery to Fort Kent pick up plow jobs to pay the bills.

Does a Personal Policy Cover Contractor’s Business Use of a Vehicle?

Maybe not. Many insurance companies exclude delivery or transporting commercial goods. If you’re in a crash hauling your tools or delivering a pizza, you could find yourself with no coverage. Almost every personal policy excludes carrying passengers for a fee (Uber or Lyft).

If My Truck Has Lettering on the Side, Does it Require Commercial Insurance?

Lettering can be a “tipping point” when defining a business vehicle. Is your truck lettered? Talk to your Maine contractor’s insurance agent to see if you need to switch to a business policy. Avoid a surprise at the absolute worst time – after an accident.

What if I’m in an Accident With My Contracting Truck on My Personal Insurance Policy?

You may have no coverage (see above). Even if your policy doesn’t exclude your claim, your personal insurer won’t be happy. After paying, they could cancel your family’s insurance. Or, they could force you to insure your truck on a business policy. At the very least, they would surcharge your policy for the claim.

What’s the Advantage of Business Auto Insurance?

Compared to a personal auto policy, a commercial vehicle policy allows you to:

  • Get coverage for business use of the vehicle – which is the whole purpose of having insurance at all.
  • Buy higher liability limits – to meet job requirements, and better protect your business assets and reputation.
  • Have Loading and Unloading coverageIf you yank the wires from a customer’s house while pulling your ladder off your rack, that’s not covered by your business liability insurance. Business Auto policies cover it.
  • Purchase higher rental limits, so you can rent a vehicle comparable to the one that’s damaged. No one wants to show up for a carpentry job in a subcompact car.
  • Include non-owned auto coverage – protects your business if someone crashes while picking up a part or a tool for you with their own vehicle.
  • Separate your personal life from your business. You don’t want to explain to your spouse why their insurance was canceled, or the price increased so much.
  • Insure larger vehicles – most personal policies don’t insure anything bigger than a 3/4 ton pickup.
  • Include attached equipment – like tool boxes, ladder racks or signage.

How Much Does Commercial Vehicle Insurance Cost in Maine?

It varies of course, depending on the vehicle and use. Plan to spend about $100 a month for a contractor’s pickup truck with collision coverage and $1 million of liability coverage. Prices can decrease if you have more vehicles, or increase if you have bigger trucks.

Would your Maine auto insurance pay if you were in an accident at work? Have questions about Maine contractors insurance?  Contact Noyes Hall & Allen in South Portland at 207-799-5541, or click “let’s talk” below. We’ve helped contractors to stay on the job and out of hot water since 1933. Because we represent many insurance companies, we’re independent and committed to you.

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5 Portland Maine Restaurant Owners’ Nightmares – Solved by Insurance


Portland Maine is a foodie town. In a city of 65,000, our city hall issues about 600 food prep licenses. Between Beard Award finalists, dining savvy locals and travel magazine-inspired foodie tourists, Portland  is a popular – and challenging – town to run a successful restaurant. The stiff competition raises the bar for everyone. There’s little room for error or bad luck. menu of restaurant disasters

The Unfriendly Fire

You’re careful with your life’s work. But no matter how often you clean your filters, or get your Ansul and fire extinguishers checked, fire is a threat every day. Oils, high temp grills and gas ranges are a delicate combination. The danger doesn’t go away when you close up for the night. Appliances can be left on. Lighted candles can be forgotten. Appliances and extension cords can short out. After a fire, officials will force you to throw out any food for fear of contamination.

The Problem Neighbor

Food bloggers and tourists call Portland “quaint and cozy“. What that really means is we’re wedged into a tight peninsula. It’s not unusual to have 3 or 4 restaurants in one city block – even more in the Old Port. Plus, apartments and offices above. No matter how careful you are, you can be done in by one of your less careful neighbors. A frozen pipe upstairs that leaks into your dining room, or a fire  up the block can shut down YOUR restaurant.

CLOSED, for…?

Diners are fickle. If you’re off line for just a few weeks, even your regulars can find a new spot in a restaurant town like Portland. It can take months – or longer – to get business back to pre-shutdown levels. Meanwhile, you have bills to pay. An estimated 25% of businesses never re-0pen after a disaster. In the restaurant business, that’s probably a lot higher.

The Difficult Diner

No matter how good your restaurant is, not every customer experience is flawless. It isn’t always food-related. People can trip on a carpet or fall on stairs or on the sidewalk. They don’t even have to be your customers. Someone can be injured in your parking lot. Of course, the food business has its own unique hazards. A customer’s stomach flu can sometimes become “food poisoning”; a broken tooth attributed to a piece of shell in their meal.  It’s expensive to defend against these accusations – and expensive to make the situation right if you were in the wrong.

Drinking and…?

Most Portland restaurants have a full bar or good beer and wine list. Alcohol sales can be the difference between a profit and a loss. Of course there are plenty of regular bars in town. That means your diners may have drinks before they arrive at your place, and more after leaving. If they get into an accident on the way home and are found to be over .08, people they harm might sue any business that served the negligent driver. Even if you’re blameless, that lawsuit can be expensive to defend.

Restaurant Insurance to the Rescue

A thoughtful Maine restaurant insurance program can protect your business from all of these nightmares and more. Insurance may not make your worries disappear, but it can help you sleep better after a long night’s work. And, it can keep a terrible day at work from destroying your business. If you own or run a Portland Maine area restaurant, food truck, bakery or other food prep business, call a Noyes Hall & Allen Insurance agent at 207-799-5541. We’ll work with you and your budget to keep your nightmares at bay, so you can focus on what you love most: creating great food.

5 Essentials for Portland Maine Apartment Owners & Landlords


Portland Maine has more rental units than any other city in the state – more than 19,000 units according to the 2000 US Census. Portland’s very low vacancy rate – as low as 1% by some estimates – makes it an attractive place to own residential income property.

But landlords know that owning an apartment building is more than just sitting back and collecting rent. From property damage to liability concerns, apartments can threaten your net worth as well as increase it. Here are 5 essentials for you to consider to protect your investment in habitational income property.

Doors, Windows and Locks

It’s basic, but surprising how many landlords ignore the first line of security defense: doors and windows. Make sure the entry doors to your building and each unit are solid wood or steel, with a deadbolt lock. Windows on lower levels should also have solid locks. To protect your tenants and your property, re-key the entry lock every time a tenant moves out. A door peephole is also an appreciated safety feature to allow your tenants to see who’s at their door without opening it.

Intercoms, Alarms and Security Cameras

Maine law requires every rental property to have working smoke and carbon monoxide detectors. That’s just a start. If you own a building with a locked main entry, an intercom is another valuable security feature. Some intercom systems have built-in cameras. Whether you have an intercom or not, a security camera system is also a good idea.Security Camera

Security cameras with a recording device:

  • Provide added security for your tenants;
  • Deter vandalism;
  • Protect you in liability cases, by recording a fall or incident;
  • Document any criminal or nuisance activity.

Proper Tenant Screening

Rental property management companies do a good job of screening potential tenants. If you choose not to use a property manager, you’ll want to use a professional rental application. A proper application asks about job history; income level; pets and number of occupants; and personal references, including prior landlords. The application should also give you permission to do a background check on prospective tenants, including criminal history and a credit check.

If the initial background information report indicates that someone is a desirable tenant, you may want to conduct a quick interview. Of course, the Fair Housing Act prohibits discrimination based upon color, disability, race, national origin, gender or sexual preference, religion or family status. But, you can ask potential tenants about pets and their behavior; what hours they work and sleep; smoking; and roommates and frequent guests.

apartment building in Portland Maine

A Good Rental Contract – including a Pet Policy

A good lease agreement spells out the responsibilities of both landlord and tenant. It also outlines grounds for eviction, which will be critical if your tenant turns out to be a payment or behavior problem. Keep signed rental agreements in a secure place.

Your rental agreement should include a pet clause, which limits animals by type, number, size or breed – or prohibits them altogether. Even if your prospective tenant has no pets, their lease should include this clause. They may want to get a pet after they move in.

We recommend that all landlords require renters’ insurance policies. Many renters think that their landlord’s insurance protects their belongings. It doesn’t. Moreover, if someone is injured in your tenant’s apartment and the tenant has no insurance, you can easily be sued for damages. For a more detailed description, read “Should a Portland Maine Landlord Require Renters Insurance?”

Solid Insurance

Even the best managed Maine income properties can still create costly losses for their owners. Good landlord insurance can make the difference between a financial disaster and a manageable expense. At a minimum, your insurance should protect you against:

  • Damage to your property – with an insurance limit sufficient to replace or rebuild.
  • Liability Suits – including injury, damage to others’ property, wrongful eviction, invasion of privacy and slander.
  • Loss of Rental Income – caused by damage to your property

Many landlords set up LLCs or other ownership entities for their real estate. Make sure that the legal owner of the building is an insured on the policy. Depending on your property’s location and characteristics, you might also consider flood or earthquake insurance.

If you have questions about Portland Maine landlord insurance and Maine income property insurance, contact Noyes Hall & Allen Insurance at 207-799-5541. Noyes Hall & Allen is a partner organization of the Maine Apartment Association, which offers helpful information and member benefits for apartment owners. One of our insurance agents, Dave McKenna, is currently a Committee Member of the MAA. Noyes Hall & Allen is independent and committed to you.

What to Expect From a Maine Property Insurance Inspection


Maine home and investment property insurers routinely inspect properties that they protect. Because of more severe property insurance losses in recent years, insurers have stepped up the rate of inspections. Inspections allow them to make sure that they insure properties that fit their guidelines and that those properties are adequately protected.

Why Is the Insurance Company Inspecting My Home or Business?

Inspections are expensive for insurance companies, so they don’t perform them unless they feel it’s necessary. Often, one of three conditions can cause an underwriter to order an inspection on your property:

  1. You recently switched insurance to a new company. The new company wants to make sure that your home or business meets their underwriting requirements.
  2. You recently had a property claim. The insurance company may want to make sure that you have repaired the damage following your claim. This is especially common after a water damage loss, to avoid mold developing.
  3. You own an older property that the insurance company hasn’t inspected in several years. Over time, DIY renovations; property improvements and additions; or lack of maintenance can create situations that can increase the probability or size of an insurance claim. The insurance company wants to make sure that your policy stays up to date in case they have to pay a claim.

inspectorDo I Have to Let the Insurance Company Inspect my Home?

Every insurance policy is a contract. Each policy has an “inspection clause”, which gives the insurance company the right to inspect your property with reasonable advance notice. If you refuse, it’s a violation of the contract. The insurance company can cancel your policy as a result.

Does the Insurance Company Need to Get Inside my Home?

There are two types of insurance home and business inspections: exterior only; and interior/exterior. The company underwriter decides which report to order based upon the age and value of your property, your claim history, and other factors. Some inspectors are employees of the insurance company, but many are independent contractors.


 What Does the Insurance Company Inspector Look For?

Insurance Inspector Should

During a routine inspection, the inspector looks for features of your home or investment property that can affect the probability or the severity of an insurance claim. Items they typically inspect include:

  • Condition of roof, plumbing, electrical, heating and similar systems.
  • General property condition, paying particular notice to peeling paint; signs of rot; debris in the yard; and overhanging trees or vegetation close to the property. Because of an increase in deck collapse claims, insurers pay special attention to how your deck or porch is attached to the home, and its overall condition.
  • Special hazards such as dogs; trampolines;  swimming pools; or business operations.
  • Condition of any outbuildings or other structures.
  • Dimensions of structures, so they can estimate the cost to rebuild them.

What Happens After the Insurance Company Inspects My Home or Property?

The inspector sends their report to the insurance company underwriter. If no deficiencies are noted, you will probably not hear from anyone. If the underwriter has concerns, they make “recommendations” to address them. For more information about insurance recommendations and how to deal with them, read “Can My Insurance Company Force Me to Make Changes to My Property?”

If you have a question about Greater Portland Maine home or investment property insurance,  contact a Noyes Hall & Allen agent in South Portland at 207-799-5541. We offer you a choice of Maine’s preferred property insurance companies. We’re independent and committed to you.