09/22/2026
If something happened to your home tonight, could you answer these five questions?
🏠 What is your hurricane deductible—in actual dollars, not just a percentage?
💧 Do you have flood insurance?
🚿 Is water backup included?
🏡 Is your roof covered at replacement cost or actual cash value?
💍 Are jewelry, electronics and other valuables fully covered?
Most people don’t discover the gaps in their policy until they’re already dealing with a loss. Your home is probably your biggest investment—understanding its coverage shouldn’t wait until there’s a storm on the map.
Save this list, pull out your policy, and check. If you’re unsure what any of it means, send it to me. I’ll help you understand what you actually have—without the confusing insurance language.