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Manufacturing and Supply guides
Building materials, labor shortages and claim costsMaterials and labor both cost far more than in 2020. Federal price data, a 2026 contractor survey, and how repair costs reach your claim and your premium.Inflation, rebuilding costs and underinsuranceRebuilding costs rose nearly 30% in five years. How that leaves limits short, what research says drives underinsurance, and how to keep your limit current.Ordinance or law coverage: paying to rebuild to codeAfter a covered loss, building codes can raise the repair bill. Ordinance or law coverage pays that extra cost, 10% of Coverage A in the ISO HO-3 unless raised.Are solar panels covered by homeowners insurance?Owned roof-mounted solar is usually covered as part of the dwelling. Ground mounts, leased systems and hail losses work differently. Tell your insurer first.Tariffs and home insurance costsHow tariffs on steel, lumber and other inputs can raise rebuilding costs and claims, what Triple-I and AM Best have said, and what to check on your policy.Xactimate, contractor bids and estimate disputesWhy the insurer's estimate and your contractor's bid differ, how to read an Xactimate report line by line, and how to document the gap in a supplement.