Restoration logo
search
cart
facebook twitter linkedin youtube
  • Sign In
  • Create Account
  • Sign Out
  • My Account
Restoration logo
  • NEWS
  • PRODUCTS
    • New Products & Technologies
    • Submit Your Product
    • Interactive Product Spotlights
  • EDUCATION
    • KnowHow.
    • Podcasts
    • Trade Shows & Expos
    • Training & Certification
    • Webinars
    • Whitepapers
  • TOPICS
    • Water Damage
    • Fire & Smoke Damage
    • Mold
    • Contamination
    • Odor
    • Contents
    • Architecture
    • Catastrophe
    • Cleaning
  • BUSINESS
    • Managing Your Business
    • Insurance/Legal Matters
  • BUYER'S GUIDE
  • VIDEOS
    • Ask Annissa
    • Ask the Expert
    • Ironclad Marketing Minute
    • TradeTalks
    • Video Channel
  • INFOCENTER
    • Mold and Mycotoxins
  • THE EXPERIENCE
    • Conference & Exhibition
    • Convention & Trade Show
    • R&R Special Issue
  • EMAG
    • eMagazine
    • Archive Issues
    • Contact
    • Advertise
  • SIGN UP
Contents RestorationInsurance/Legal Matters in Restoration

Ask Annissa: What is a “Rider” on an Insurance Policy and What Impact does it have?

A rider is a provision of an insurance policy that is purchased separately from the basic policy and that provides additional benefits

insurance policy form
March 7, 2014

At the beginning of any job, I always ask the homeowner if they have any riders on their homeowner’s policy. You need to know if they do, as it will affect how you handle those items. It also raises your liability while handling those items that are covered by the rider, so you should charge more for storing, moving, packing and cleaning them than you would for other items on the policy.

A rider is a provision of an insurance policy that is purchased separately from the basic policy and that provides additional benefits at additional cost. This means that such items have different coverage from the items that are covered under just the basic homeowner’s policy.

Usually, if there is a rider on any particular item, it is because that item is of very high value, so the processing of such items would be given higher priority in the handling process. Most often the homeowner will have a professional appraisal of the items on the rider and you should ask for a copy for your records. Depending on the type of item, you may need to bring in a specialty contractor to help you with the moving, repairing and/or cleaning of them.

For example, a grandfather clock worth $20,000 would need to be handled by a professional mover that knows how to move it without damaging the working mechanisms of the internal clock. If you move it without properly taking it apart first, you could be making a very expensive mistake.

 You may also be asked by the insurance company to bill for these items on a separate invoice, as it is technically a different policy. Always talk with your adjuster on the claim about the rider and make sure that you are both on the same page as far as the handling of the contents involved on that part of the policy. 


Have a question for Annissa? E-mail her at Annissa@firehouseeducation.com. 

 

KEYWORDS: contents restoration liability

Share This Story

Looking for a reprint of this article?
From high-res PDFs to custom plaques, order your copy today!

Recommended Content

JOIN TODAY
To unlock your recommendations.

Already have an account? Sign In

  • mold remediation

    Fighting Mold and Bacteria Damage

    Successful mold remediation can be multidisciplinary,...
    Contamination Restoration & Remediation​
    By: Josh Woolen
  • certifications and licenses for restoration professionals

    Certifications and Licenses Every Restoration Company Needs

    Restoration companies need to make sure they have the...
    Restoration Training/Education
    By: Sharon Elzarat
  • a wall covered in moss and fungus

    Zero Tolerance for Toxic Molds: Essential Steps for Successful Remediation

    Understanding the importance of zero tolerance for toxic...
    Mold Remediation
    By: Michael A. Pinto CSP, SMS, CMP, RTPE, FLS, ERS and Kendra Seymour
You must login or register in order to post a comment.

Report Abusive Comment

Manage My Account
  • eNewsletter
  • Online Registration
  • Subscription Customer Service
  • Manage My Preferences

More Videos

Popular Stories

Pop Art Female Superhero Punches a Masked Villain

TPAs vs. Independence: The Restoration Industry’s Own Version of the Cola Wars

RIA Carrier Advocate Mark Springer

Turning the Page: A New Era of Trust and Collaboration in Restoration

Paul Davis Restoration Leadership Team

Justin Graham Expands Paul Davis Restoration’s Reach with Acquisition of Greater Seattle Franchise

Submit Your New Product/Technology to R&R!

Would you like to promote a new restoration, remediation or cleaning product/technology with Restoration & Remediation? Fill out the question below to start your submission:

Events

September 3, 2025

The Experience Convention and Trade Show

The Experience Convention & Trade Show logoJoin us in Las Vegas for The Experience Convention & Trade Show, the leading event for cleaning, restoration, and remediation pros, packed with hands-on demos, expert speakers, and high-impact networking. Happening September 3–5, 2025 at Caesars Forum—this is where the industry comes to learn, connect, and grow!

View All Submit An Event

Poll

Doffing PPE

When you are doffing your PPE, do you sanitize between every step?
View Results Poll Archive

Products

The Cleaning, Restoration, Inspection, and Safety Glossary

The Cleaning, Restoration, Inspection, and Safety Glossary

The Cleaning, Restoration, Inspection, and Safety Glossary.

See More Products
Prepare for CATASTROPHE with R&R!

Related Articles

  • Ask Annissa: what is thermal tracking?

    Ask Annissa: What is Thermal Tracking and is it Covered by Insurance?

    See More
  • Ultrasonic 1

    Ask Annissa: Is it Necessary to Have an Ultrasonic Machine to Clean Contents?

    See More
  • annissa contents hours

    Ask Annissa: What if an Adjuster Asks for Hours on a Contents Job?

    See More

Related Products

See More Products
  • fires out.jpg

    Fire’s Out, Now What? Vol. I & II

  • More-Answers---Part-2.gif

    More Answers Than You Have Questions About Carpet Cleaning Vol. 2

  • More-Answers---Part-1.gif

    More Answers Than You Have Questions About Carpet Cleaning Vol. 1

See More Products
×

Stay ahead of the curve with our eNewsletters.

Get the latest industry updates tailored your way.

JOIN TODAY!
  • RESOURCES
    • Advertise
    • Contact Us
    • Directories
    • Store
    • Want More
    • Submit a Press Release
  • SIGN UP TODAY
    • Create Account
    • eNewsletters
    • Customer Service
    • Manage Preferences
  • SERVICES
    • Reprints
    • Marketing Services
    • Market Research
    • List Rental
    • Survey/Respondent Access
  • STAY CONNECTED
    • LinkedIn
    • Facebook
    • YouTube
    • X (Twitter)
  • PRIVACY
    • PRIVACY POLICY
    • TERMS & CONDITIONS
    • DO NOT SELL MY PERSONAL INFORMATION
    • PRIVACY REQUEST
    • ACCESSIBILITY

Copyright ©2025. All Rights Reserved BNP Media.

Design, CMS, Hosting & Web Development :: ePublishing