If you’re a Chicago landlord or real estate investor, this episode could save you thousands, or even millions, in insurance mistakes.

In Episode 6 of The Housing Providers Show, host Tim Harstead sits down with public adjuster Dorian Bezanis from Alpha Adjusting to break down how insurance claims REALLY work for rental property owners.

Most landlords misunderstand their policy, from 3% deductibles to coinsurance penalties and loss of rent coverage.

This episode explains the hidden risks that impact Chicago multifamily owners, housing providers, and investors.- Key topics covered:The 3% deductible trap (policy value vs claim value)

Coinsurance clause explained for landlordsLoss of rent vs gross rent (critical difference)

Why insurance claims take months to pay

Surplus lines insurance risksTenant insurance myths

Coverage gaps that landlords should never skip

Replacement cost vs market value for Chicago buildings

Whether you own a 2-flat, 3-flat, or multifamily property in Chicago, understanding insurance structure is essential in today’s rising premium environment.

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