Tag: Homeowners Insurance

Water Damage Claim – Sudden vs Gradual

No Comments »
Water Damage Claim-Sudden vs Gradual

Understanding the difference between a sudden vs a gradual water damage claim seems simple. But many insureds experience a rude awakening during a water damage event. Investopedia provides this definition for Water Damage Insurance: “Water damage insurance is a type of protection provided in most homeowners insurance policies against sudden and accidental water damage. Water damage insurance does not cover damage resulting from homeowner’s negligence or failure to maintain the…

Read More

Grilling Safety Tips Can Save Your Meal – and Much More

No Comments »
Grilling Safety Tips

Summertime is the season for relaxing, vacationing, completing home improvement projects, or inviting friends and family for a delicious meal grilled on the barbecue. Over the past few weeks, two news articles caught our attention. WBBJ Eyewitness News (Jackson, TN) wrote “Summer Safety: Fire Up the Grill!” In late June, WSOC-TV (Charlotte, NC) published “South Florida Couple Grilling Steaks Loses Townhome When Fire Engulfs Building.” Today, our John Bailey Company…

Read More

Homeowners Insurance Endorsements

No Comments »
Homeowners Insurance Endorsements

Undoubtedly, as 2017 proceeded, Americans have been alerted by the historical weather events Harvey, Irma and Maria which occurred from August 25, 2017, through September 16, 2017. And many homeowners have been shocked to learn that perhaps their homeowner policy and their respective endorsements were lacking in certain ways. How about you? Do you understand your homeowners insurance endorsements? Our regular readers, know that over the past few years we…

Read More

Don’t Forget Your Umbrella…Umbrella Insurance That Is!

No Comments »
Umbrella Insurance

No matter our age or where we live, there is a good chance we’ve heard the directive: “Don’t forget your umbrella!” How about you? Can you recall your parent, your grandparent, your sibling, your spouse, or even your child gently reminding you to be prepared for the weather forecast? Today we have a reminder: “Don’t forget your umbrella…Umbrella Insurance that is!” First, what is Umbrella Insurance? Like a rain or…

Read More

Alert: Do You Have Flood Insurance Coverage?

No Comments »
Do You Have Flood Insurance

On late Friday, August 25, 2017, category 4 Hurricane Harvey made landfall in Texas. It’s safe to say, since that evening the clear majority of people across the country have continued to closely follow the news bulletins. Particularly if their friends and family were impacted directly by the hurricane and subsequent flood damage as Harvey stalled and became an historic tropical storm. Now many are trying to answer the question:…

Read More

Do You Need High-Value Home Insurance?

No Comments »
A large brick home

If you’re like most people, your home represents a safe haven for you and your family. A place where you can relax after work and spend leisurely evenings around the dinner table. And, your home is likely one of the most important financial investments that you’ll make during your lifetime. Given that, it’s important to carefully evaluate the homeowner insurance options that are available to protect your estate. One thing…

Read More

After a Home Fire: 5 Things You Can’t Ignore

No Comments »
Residential home with fire insurance

Unfortunately, home fires contribute to more than $7 billion in property damage annually. While there have been significant improvements in fire safety equipment and education, thousands of homeowners still face the daunting task of cleaning up and restoring their home after a residential fire each year. If you do experience fire damage to your home, it’s normal to feel overwhelmed, anxious and confused about what to do next. But, it…

Read More

Heads Up – Bike Meet Drive-in Awning

No Comments »

photo credit: °Florian Suddenly there is a loud crash and the bike is crunched off the car; bike meet drive thru awning… Is my bike covered? Auto insurance doesn’t normally cover the damage to your bike. It is usually covered under your homeowners or renters insurance under contents even though the bicycle is on your  car when it was damaged. Keep in mind Auto insurance will cover damages to the car,…

Read More

Water Damage

No Comments »

Unfortunately, water damage like the picture above shows what is not covered under your homeowners policy. It can be confusing on what kind of water damage your insurance covers. Always check with your independent insurance agent if you have any questions about coverage. Homeowner’s policies usually do not cover floods and damages that happen because of them. Floods would be covered under flood insurance. Also, if water seeps into your house…

Read More

Homeowners VS Renters: Do you know the Difference?

No Comments »

photo credit: Adrian Serghie In case you didn’t know the difference between the two already, homeowners insures the property as well as the contents inside the house whereas renters only covers the contents. This is because the renter does not have an insurable interest in the property; only the homeowner does. What does this mean exactly if you do own your own home and have someone living with you? This…

Read More