Fellow homeowners, please read and digest this email to make sure your home is protected. Why it matters: The insurance landscape is changing, and you need to know what to expect. ๐ผ๏ธย The big picture: Insurance carriers are looking for ways to cut cost. For the average homeowner, these are often subtle, if not hidden. โ๏ธย How […]
๐ฎย Is your roof uninsurable? Read More ยป
Coverage B on a homeownerโs insurance policy covers โother structures.โ Fence, detached garage, gazebo, guest house, etc. Why it matters: Iโm helping a homeowner right now whoโs detached garage was hit by a stolen truck. The damage to the garage exceeds the amount of coverage, so insurance cannot pay the full amount for the repairs.
๐ย How your B is covered Read More ยป
Getting your insurance company to pay you what they should is often a war of attrition. Why it matters: Delay, deny, defend has become the mantra of many insurance carriers as they face an increasing number of costly natural disasters. The important question you need to answer as a homeowner is this โ> Am I
๐ขย The importance of persistence Read More ยป
Some insurance companies are not writing policies in Texas for the remainder of 2023. Why it matters: If you’re considering changing insurance, your alternatives are shrinking. ๐ฆย Pro Spotlight Aaron Husman with The Phoenix Insurance explains that insurance companies only write policies until they reach a limit. The limit is determined by the amount of insurance
๐ขย Act now if youโre shopping insurance Read More ยป
Boating season is in full swing and boat owners and passengers should be informed about boat insurance. Why it matters: Boat insurance is not required in Texas. Aaron Husman and his team at The Phoenix Insurance can help you make sense of your insurance to properly address your risks. ๐งย 3 points Aaron wants boat owners
๐ฅ๏ธย I like big boats and I cannot lie Read More ยป
I re-roofed my parentsโ house in 2019. Why it matters: I still get the question every storm season. Reality check: Actually, you WANT TO pay it. (insert Jedi mind trick meme here ๐ค) โ๏ธ How it works: Replacement cost = Your deductible + Insurance proceeds. ๐ Is cutting corners on your roof ๐ Is running a shady ****business
๐ฑ I made my mother pay it! Read More ยป
(Links to this series below) Beware the booby trap! Why it matters: When I help homeowners who have this on their policy, they always say to me, โI didnโt know.โ ๐คทโโ๏ธ What is it? ๐ฌ Reality check: Hereโs the real gut punch of this endorsement. ๐ฅ The bottom line: You need a great insurance agent who will
๐ชคย The insurance process โ Part 4 Read More ยป
Create a habit of taking a series of pictures of your home. Why it matters: Time and date stamped pictures can help you in the event of an insurance claim or in a dispute with a contractor. โ๏ธ How to get started: First, create an album on your phone using your address as the name of
๐ทย Get the pictures Read More ยป
Catch up with Part 1 and Part 2 Filing a claim requires the right mindset. Why it matters: Homeowners often approach claims with a passive and trusting mindset that results in underpaid claims. ๐ก Know your rights. ๐ Itโs your piggy bank ๐ฅ The bottom line: Insurance companies are represented by powerful and well funded lobbyists looking out
๐ย The insurance process โ Part 3 Read More ยป
Part 1 covered the 2 main concepts โ proving the loss and defining the scope. Today weโll look at what to do BEFORE you file a claim. Why it matters: Simply put, if you need to file a claim you should and if you donโt need to file a claim you shouldnโt. ๐ค How do you
โย The insurance process โ Part 2 Read More ยป
