Do you understand your homeowner’s insurance policy? What does it cover, are you properly insured in event of a covered loss? If you cannot answer these questions in the affirmative, then you need to contact us for a no obligation review. Most people do not fully understand their coverages and are timid to ask questions for fear of seeming uninformed. No question is a dumb question!

Did you know that most homeowner policies today carry a $1000 minimum deductible, and anywhere from a 1% to a 10% wind and hail deductible? That is correct , if you have a claim that involves wind, and or hail damage, your policy could be subject to a very large out of pocket deductible. An example would be a $300,000 home with a 2% wind and hail deductible, in a loss due to wind, the owner would be subject to a $6,000 deductible. That;s right, you pay the first $6,000 and the insurance company pays the excess. For example, on a $15,000 roof loss due to wind, we pay $9,000, and you owe the rest ($6,000) to be paid to the roofer!

Know your policy, what is covered and what is not. Many people think appliances that break down mechanically are covered, but usually they are not, this is where a home warranty policy would come in .

The local difference is that we are here for you to break down your policies and answer any questions you may have , no matter how trivial they may seem to you. Ignorance could cost you thousands of dollars!