Insurance 101

04/30/2026

Hail naw! Watch out for so-called roofers with these guys and pick up trucks with ladders! Everyone wants to replace a roof at the end of a storm and unfortunately roof contractors do not have to be licensed.

Arm yourself with information when someone knocks on your door, claiming to do a complementary roof inspection!

Asked for a list of previous jobs done just like a person going to interview for a job. They’re going to have a résumé to present or ask that so-called roofer for a résumé of the previous jobs. He or she has completed.

Do Not, I repeat Do Not sign a waiver to give away your benefits! Let the insurance company pay you directly and do not allow the roofer to communicate with the insurance company. That is the best practice. You should be the middle person in all transactions, dealing with the insurance company and the roof contractor. 

04/30/2026

Knowing every aspect of your policy is very important never take an Agent’s word for and hearing them saying that easy sells pitch “it’s covered” when the coverage may be vague, and it may need a little bit more detail and a bit more explaining certain exclusions may apply that may eliminate coverage or certain conditions may apply that may eliminate coverage for example, example:

A gentleman has his boat and trailer in boatlift and was told he could get it all covered under his personal property for his homeowners insurance. However, the condition with the personal property within the policy stated that coverage cannot be afforded unless there was a storm created opening and the personal property had to be enclosed in all four walls. In translation, the gentlemen, personal property boatlift and trailer did not get covered under his homeowners insurance because the hail damage that was experience to the personal property items were outside and not enclosed in a building located on his property.

Well, this personal property be covered? Probably undo another policy if in place, but unfortunately on personal property homeowners, it would be excluded because his contents were outside at the time of the storm!

Know and understand your policy!

04/29/2026

Waking up every day knowing you are doing it because someone depends on you gives you a greater fuel and drive to keep going, even when you have nothing left!

Protect your hard work and set your future up for a better tomorrow because you know the pain today brings!

04/29/2026

Good info!

2.3K likes. "How To Tarp A Roof | Severe Weather Guide"

04/29/2026

Repairs after a storm! Most areas in the US are going through or have experienced some severe weather! A few things you should know when it comes to repairing your home!

1. Most carriers will allow you to mitigate to prevent from further damage. Documentation is important! This is not the time for upgrades because most carriers will only pay for restoration of your home prior to the storm event! Code upgrades and endorsements may be applicable in these situations. Check your policy for details! To mitigate your loss, take photos of damaged equipment BEFORE you discard or repair! If you DYI, keep receipts of materials related to the damaged portions of your home.

2. File a claim before you repair and let the company appointed adjuster inspect for damages. This will avoid delays and possible denials in coverage.

3. Remember, if you don’t have photos or receipts, you claim will be harder to support when speaking to an Adjuster.

There are so many more details you should know! Give me a call if you have any questions about filing a claim after a storm event!

04/28/2026

The phrase you wanna avoid when considering insurance coverage: “I’m OK”!

Well, you might not be OK because insurance rates and coverage has changed every year! So you owe it to yourself to shop around!

I was just speaking to a lady here recently and her deductible was $1000 the first year her policy open she is paying on her policy for her home through the bank just like most of you guys do and when it was time to come make a claim, her deductible is now over $7000

I can’t share any personal information, but these are real life situations you owe it to yourself to shop around! Speak to someone who cares about you and not a bank that’s looking for coverage on an asset that they are letting you loan!

04/28/2026

As a Claims Adjuster with experience in reviewing claims from coast to coast, I’m confident that I will give you the most complete assistance when filing a claim, or just plain telling you, you don’t need to file a claim at all and minor repairs might be the best process!

04/28/2026

Talking to someone about asset protection is needed more than you know! I encourage you to review your coverage especially for your home and auto! Rates have increased, make sure your coverage has increased as well!

04/27/2026

Its Monday! You live in a world full of insurance! Building and Protecting your assets should always be on your mind!

04/26/2026

I love Vets! I personally Used the service and saw Results within three months! I dealt with another company that would have taken much more and when dealing with them for almost a year, with no results! Check out theses guys and with one flat fee. I made that back with my first increase payment! I’m currently at 50% and I’m more than confident that I will receive an increase with LEGITIMATE Claims! I love these guys and if you are a vet, struggling with your disability, give them a call. It will be well worth it!

11/09/2022

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