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. š¼ļøĀ The big picture: Insurance carriers are looking for ways to cut cost. For the average homeowner, these are often subtle, if not hidden. āļøĀ How […]
š®Ā Is your roof uninsurable? Read More Ā»
Coverage B on a homeownerās insurance policy covers āother structures.ā Fence, detached garage, gazebo, guest house, etc. Why it matters: Iām helping a homeowner right now whoās 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.
šĀ How your B is covered Read More Ā»
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 ā> Am I
š¢Ā The importance of persistence Read More Ā»
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. š¦Ā 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
š¢Ā Act now if youāre shopping insurance Read More Ā»
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. š§Ā 3 points Aaron wants boat owners
š„ļøĀ I like big boats and I cannot lie Read More Ā»
I re-roofed my parentsā 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 š¤) āļø How it works: Replacement cost = Your deductible + Insurance proceeds. š Is cutting corners on your roof š Is running a shady ****business
š± I made my mother pay it! Read More Ā»
(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, āI didnāt know.ā š¤·āāļø What is it? š¬ Reality check: Hereās the real gut punch of this endorsement. š„ The bottom line: You need a great insurance agent who will
šŖ¤Ā The insurance process ā Part 4 Read More Ā»
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. āļø How to get started: First, create an album on your phone using your address as the name of
š·Ā Get the pictures Read More Ā»
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. š” Know your rights. š Itās your piggy bank š„ The bottom line: Insurance companies are represented by powerful and well funded lobbyists looking out
šĀ The insurance process ā Part 3 Read More Ā»
Part 1 covered the 2 main concepts ā proving the loss and defining the scope. Today weāll 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 donāt need to file a claim you shouldnāt. š¤ How do you
āĀ The insurance process ā Part 2 Read More Ā»
