Laura Martinez

Laura Martinez

Catastrophe Claims Specialist

Natural Disaster & Catastrophic Loss Coverage

Laura Martinez worked catastrophe claims after major storms and wildfires, where she saw how coverage gaps surface only when homeowners need to file. She writes about disaster coverage so readers find those gaps before a loss, not after. At Home Insurance Clear she covers natural disaster and catastrophic loss coverage.

Articles by Laura Martinez

Home Insurance Premiums Are Finally Dropping for Some Homeowners

7 min read

Additional Living Expenses Coverage: What 30% Actually Covers

7 min read

Home Insurance Claims: Deadlines and Filing Requirements

8 min read

When Your Insurer Won't Cover You, the E&S Market Becomes Your Only Option

7 min read

30 Days Without Occupancy: What Unoccupied Home Insurance Costs

9 min read

Named Perils vs Open Perils: Which Homeowners Policy Covers More

8 min read

Does Home Insurance Cover a Fallen Tree?

8 min read

Rental Property Coverage Options: Protect Your Investment

8 min read

Foundation Repair Costs: What Home Insurance Actually Covers

9 min read

Fortified Home Program Insurance: What You Need to Know

8 min read

Colorado's New Wildfire Insurance Law Takes Effect as Fires Burn

7 min read

Home Insurance and Water Damage: What's Covered

9 min read