Home Insurance & Claims Contributor
Nathaniel Calderbrook
Nathaniel reviews what our guides say about homeowners insurance: what policies usually cover after water, mold and foundation damage, the endorsements that change that, and how claims tend to be assessed.
- Based in
- Richmond, Virginia
- Licensed in
- Virginia, Maryland and Pennsylvania
- Experience
- 17 years in homeowners insurance, with a focus on water damage and structural claims
- Role
- Home Insurance & Claims Contributor
License
- Property & Casualty Insurance Producer, licensed in Virginia, Maryland and Pennsylvania
Below the Sill has checked his national producer license record. Insurance licenses are issued by each state and have to be renewed, so if you work with any agent, check their current status with your state’s insurance department.
What Nathaniel does
Nathaniel is an independent agent. Over 17 years he has worked on homeowners claims for basement flooding, sump pump failure, water backup, mold and foundation damage, alongside insurers’ staff adjusters, independent adjusters and, on complex or disputed claims, public adjusters.
What Nathaniel reviews
Nathaniel reviews the insurance pages and the insurance sections in other guides. Pages he has reviewed say so under the title, with this note: “Insurance information reviewed for accuracy. This is general information, not a coverage decision: your policy wording and your state decide what is covered.”
His role on this website is editorial only. His reviews are not advice about any individual policy or claim.
Independence
As an independent agent, Nathaniel earns commissions from the insurers he places policies with. To keep that separate from our guides, Below the Sill doesn’t recommend insurers, doesn’t link to quote forms and doesn’t send readers to any agent, including him. He knows Robert Stulpt and Daniel Mercer professionally from water and structural claims. More in our editorial policy.