Let’s break it down - in the simplest of terms, indemnification, also known as the “hold harmless clause,” is compensation for damage, harm, and/or loss. In correlation to home insurance, this means that if you ever experience damage to your home, the insurance company under contract is liable and must fully reimburse you for this damage.

It is important to understand indemnification as it can prevent further loss and eliminate any additional stress. These clauses contain language on how claims are made and paid and are usually one to two pages long.

Let’s give you a real-life scenario with our best skill, roofing. Say your roof is only three years old, but a tornado hits and causes severe damage. In this case, your insurance provider must completely cover the cost of your new roof due to the indemnification clause in your contract. It is good to note that the insurance company won’t pay for any upgrades, just the amount required to put things back to their original status.

At MOMENTOUS, we want to make certain that you are indemnified by your home insurance. Therefore, our personal property inspector specialist will come to your property to examine and assess all damages. We will then personally walk you through the insurance claim process so you can be certain to get the full payout you deserve!

Our team at MOMENTOUS is on a mission to continuously educate you, the homeowner, and help protect your most valuable investment, always!