Samantha Kessler
Disaster & Flood Insurance Policy Writer
Samantha Kessler is an insurance writer with 12 years (since 2013) of experience focusing on water damage exclusions, flood insurance rules, and catastrophic loss scenarios. She helps homeowners understand how standard policies differ from specialized coverage for severe weather events.
Her work focuses on coverage gaps and disaster-related risks, including flood insurance (NFIP and private policies), FEMA guidelines, sewer backup endorsements, roof wear exclusions, and hurricane deductibles. Samantha explains the critical differences between covered losses and excluded events—especially in cases of flooding and storm damage.
She frequently writes about risk assessment, disaster preparedness, and policy selection, helping homeowners avoid confusion during major claims. Samantha also provides guidance on flood zone maps, National Flood Insurance Program (NFIP) coverage, and private flood insurance options, emphasizing proactive planning before extreme weather occurs.
Flood insurance · Water damage exclusions · FEMA & NFIP · Hurricane deductibles · Catastrophic risk planning
Education: BS Environmental Risk & Insurance, University of South Carolina, 2012 · Associate in National Flood Insurance (ANFI), The Institutes, 2019
Displaying 1-10 results out of 12 for Samantha Kessler
How Do Home Insurance Claims WorkFiling a home insurance claim can feel overwhelming, especially when you're already dealing with damage to your property. Understanding how the claims process works helps you navigate each stage confidently and secure the compensation you deserve. This guide covers everything from documenting damage to receiving your final payout
How Do Home Insurance Claims WorkFiling a home insurance claim can feel overwhelming, especially when you're already dealing with damage to your property. Understanding how the claims process works helps you navigate each stage confidently and secure the compensation you deserve. This guide covers everything from documenting damage to receiving your final payout
How to Negotiate a Home Insurance Claim Settlement for a Fair PayoutReceiving a lowball settlement offer after filing a home insurance claim can feel like a second disaster. That initial offer is rarely final, and you have more negotiating power than you think. Learn the proven strategies to negotiate a fair settlement that covers your losses
How to Negotiate a Home Insurance Claim Settlement for a Fair PayoutReceiving a lowball settlement offer after filing a home insurance claim can feel like a second disaster. That initial offer is rarely final, and you have more negotiating power than you think. Learn the proven strategies to negotiate a fair settlement that covers your losses
What to Do If Home Insurance Denies Your Claim for Property DamageReceiving a denial from your home insurance company doesn't have to be the final answer. Learn the strategic steps to challenge denied claims, understand why insurers reject coverage, and discover how to successfully appeal decisions to recover your losses. Most denials can be disputed when you know the right approach
What to Do If Home Insurance Denies Your Claim for Property DamageReceiving a denial from your home insurance company doesn't have to be the final answer. Learn the strategic steps to challenge denied claims, understand why insurers reject coverage, and discover how to successfully appeal decisions to recover your losses. Most denials can be disputed when you know the right approach
What Is a Home Insurance Premium in Your Homeowners PolicyA home insurance premium is the amount you pay to maintain active coverage on your policy. Unlike your deductible, the premium is your ongoing cost for protection. Understanding what drives that number—from dwelling coverage and liability to location risks and claims history—helps you make smarter coverage decisions.
What Is a Home Insurance Premium in Your Homeowners PolicyA home insurance premium is the amount you pay to maintain active coverage on your policy. Unlike your deductible, the premium is your ongoing cost for protection. Understanding what drives that number—from dwelling coverage and liability to location risks and claims history—helps you make smarter coverage decisions.
How to Calculate Home Insurance Premium Before Getting QuotesUnderstanding how insurers calculate your homeowners insurance premium puts you in control. This guide breaks down the formula, explains the 8 key factors that determine costs, and shows you how to estimate your own premium before requesting quotes
How to Calculate Home Insurance Premium Before Getting QuotesUnderstanding how insurers calculate your homeowners insurance premium puts you in control. This guide breaks down the formula, explains the 8 key factors that determine costs, and shows you how to estimate your own premium before requesting quotes
Does Homeowners Insurance Cover Mold From Water DamageMold damage ranks among the most disputed claims in homeowners insurance. Most policies provide limited coverage under specific circumstances, but many homeowners discover their situation falls outside those boundaries only after filing a claim. Understanding exactly when your policy responds to mold can save thousands
Does Homeowners Insurance Cover Mold From Water DamageMold damage ranks among the most disputed claims in homeowners insurance. Most policies provide limited coverage under specific circumstances, but many homeowners discover their situation falls outside those boundaries only after filing a claim. Understanding exactly when your policy responds to mold can save thousands
How to Choose Homeowners Insurance GuidePicking the wrong homeowners insurance can leave you financially exposed or paying thousands more than necessary. This step-by-step guide covers essential selection criteria, policy comparisons, coverage calculations, and common mistakes to help you make an informed choice that balances protection with price
How to Choose Homeowners Insurance GuidePicking the wrong homeowners insurance can leave you financially exposed or paying thousands more than necessary. This step-by-step guide covers essential selection criteria, policy comparisons, coverage calculations, and common mistakes to help you make an informed choice that balances protection with price
How to Shop for Homeowners Insurance Without OverpayingShopping for homeowners insurance requires more than comparing premiums. This guide walks you through evaluating coverage limits, gathering accurate quotes, avoiding common mistakes, and selecting a policy that truly protects your home and belongings without overpaying
How to Shop for Homeowners Insurance Without OverpayingShopping for homeowners insurance requires more than comparing premiums. This guide walks you through evaluating coverage limits, gathering accurate quotes, avoiding common mistakes, and selecting a policy that truly protects your home and belongings without overpaying
How to Change Home Insurance with Escrow Step by StepSwitching homeowners insurance when your premiums are paid through an escrow account requires coordination between you, your new insurer, and your mortgage servicer. Miss a step, and you could face coverage gaps, duplicate charges, or escrow shortages that increase your monthly payment
How to Change Home Insurance with Escrow Step by StepSwitching homeowners insurance when your premiums are paid through an escrow account requires coordination between you, your new insurer, and your mortgage servicer. Miss a step, and you could face coverage gaps, duplicate charges, or escrow shortages that increase your monthly payment
How to Switch Homeowners Insurance SafelySwitching homeowners insurance can save 15-30% on premiums, but doing it wrong risks coverage gaps or costly penalties. This guide walks through when switching makes sense, the exact steps to follow, timing considerations, and how to coordinate with your mortgage lender for a seamless transition
How to Switch Homeowners Insurance SafelySwitching homeowners insurance can save 15-30% on premiums, but doing it wrong risks coverage gaps or costly penalties. This guide walks through when switching makes sense, the exact steps to follow, timing considerations, and how to coordinate with your mortgage lender for a seamless transition
Load more