Bill Atchison - Solutions Advisor, Apogee Insurance Solutions

01/13/2022

I was going to make this post a little longer, but decided to make it short and to the point. Please look at your homeowner's policy when you get your renewal! More and more companies are changing how they pay roof claims, especially on older roofs (10 - 15 years old). I have had customers of other insurance companies switch to me after a roof claim because they thought they were only going to pay their $1,500 deductible, only to find out they were responsible for paying the depreciation.

The other thing to look at is your deductible! Is it still the $1,000 or $1,500 you originally had? We have seen companies switch to a 1%, especially for wind/hail claims. This means a homeowner whose home is insured for $300,000 will have a $3,000 deductible. Again, some people don't find this out until they have a claim.

If you are not sure how your roof or wind/hail is covered call your agent or call me. I will be happy to go over it with you. Also, if you would like second opinion, I would be happy to put a proposal together for you. I represent many companies who are paying replacement cost on roofs and are not offering mandatory 1% deductibles. You can call or text me at 636-970-7070 or slide into my dm's here.

11/26/2021

Get a quote today to see how much you could save on your car insurance when you also purchase your home/condo insurance or other insurance policies.

03/17/2021

As we enter storm season, many people assume that in the event of a wind or hail claim to their roof, their insurance carrier will pay the entire cost (minus deductible) to replace it. Unfortunately that is not always true! The amount that insurance company will pay is determined by the roof loss settlement provision in the policy.

Let's say your roof cost $10,000 to replace and you have a $1500 deductible. If your policy pays replacement cost, you pay your deductible and the company pays the difference. A roof schedule it works a little different.

If you have the same $10,000 cost to replace your roof, but the roof is 15 years old, the company may only pay 55% of the cost to replace...and oh, you still have your $1500 deductible. That means the company will pay $4000, leaving the homeowner responsible for the remaining $6000.

This is not a new concept in the insurance industry, there are carriers who have been doing it for years. But, in the past few years more and more carriers are moving to a roof schedule. The good news is, depending on the age of your roof, you can buy back replacement cost.

It's best to check with your agent to see what you have, but as always if you would like a no obligation comparison you can reach me at 636-970-7070. Or slide into my dm's!

10/12/2020

It's Monday, you know what that means? It means I'm here ready to save you money! If you think you're paying too much for your insurance, or maybe you haven't compared it for a while, pick up the phone and call me at 636-970-7070. I represent multiple companies so I can shop for you!

10/05/2020

Last week I became the agent for a friend of mine. They stayed with the same company they were with, just chose to have me as the agent. After seeing their policies and coverage for the first time I found an opportunity for them to add things to their policy like diminishing deductible, accident forgiveness and claims free cash back (just to name a few). The kicker is it would only change their premium by about $8/month. It was a no-brainer. They jumped on it and told me that it had been years since they heard from their agent.

I don't say this to toot my own horn, I say it for this reason.....You're insurance agent is going to get paid regardless of whether or not they talk to you during the year. During a 12 month period things can change, just look at how much has changed in our world since the beginning of this year.

I'm a firm believer that doesn't take a lot of time to just "check-in" with customers and see how things are going. My job is to make sure that your family is protected and is covered when the unexpected happens. I'm not doing my job well if I'm not reaching out to you.

I hope everyone has an awesome week and give me a call at 636-970-7070 if you want a second opinion on your insurance protection!

09/18/2020

Thanks for visiting my page, I hope you "Like" it. My goal for this page is to have a little fun, be informative and if you need someone to talk to about insurance...I'm here for you!

09/18/2020