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. 🖼️ The big picture: Insurance carriers are looking for ways to cut cost. For the average homeowner, these are often subtle, if not hidden. ⚙️ How […]
😮 Is your roof uninsurable? Read More »
Coverage B on a homeowner’s insurance policy covers “other structures.” Fence, detached garage, gazebo, guest house, etc. Why it matters: I’m helping a homeowner right now who’s 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.
🐝 How your B is covered Read More »
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 —> Am I
🐢 The importance of persistence Read More »
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. 🔦 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
📢 Act now if you’re shopping insurance Read More »
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. 🧐 3 points Aaron wants boat owners
🛥️ I like big boats and I cannot lie Read More »
I re-roofed my parents’ 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 🤓) ⚙️ How it works: Replacement cost = Your deductible + Insurance proceeds. 👎 Is cutting corners on your roof 👎 Is running a shady ****business
😱 I made my mother pay it! Read More »
(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, “I didn’t know.” 🤷♂️ What is it? 😬 Reality check: Here’s the real gut punch of this endorsement. 🥊 The bottom line: You need a great insurance agent who will
🪤 The insurance process — Part 4 Read More »
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. ⚙️ How to get started: First, create an album on your phone using your address as the name of
📷 Get the pictures Read More »
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. 💡 Know your rights. 🐖 It’s your piggy bank 🥊 The bottom line: Insurance companies are represented by powerful and well funded lobbyists looking out
🐖 The insurance process — Part 3 Read More »
Part 1 covered the 2 main concepts — proving the loss and defining the scope. Today we’ll 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 don’t need to file a claim you shouldn’t. 🤔 How do you
✋ The insurance process — Part 2 Read More »
