Fuller & Sons Insurance Agency

06/18/2026

More severe weather. Be safe out there.

A large and extremely dangerous tornado has been detected in Charleston, Illinois. This radar image 7:58 EDT/6:58 CDT!

06/17/2026

That doorhanger promising a "FREE roof inspection" after a big storm? Pump the brakes before you call. 🛑

When storms roll through Northwest Ohio, a wave of out-of-town "storm chasers" usually rolls in right behind them. They knock doors, hang tags, and push you to sign fast. Some are legit. A lot are not.

Here's how to tell the difference:

✅ Local and licensed. Real contractors have a local address, an Ohio license, and reviews you can actually find.

🚩 High pressure. If they want you to sign TODAY or "before the price goes up," that's a flag.

🚩 "We'll waive your deductible." That's not a deal, that's insurance fraud, and it can land you in hot water too.

🚩 Cash up front. Reputable roofers don't need a big check before they've done a thing.

The smartest move after storm damage? Slow down. Call your agent first, then get a quote from someone local who'll still be here next spring.

We've helped a lot of neighbors sort out what's real damage and what's just a salesperson at the door. If one of these tags shows up on your house, message us before you sign anything. We're happy to walk you through it.

06/15/2026

Penny size hail fell across Lucas, Wood, Ottawa, and Sandusky counties yesterday. Good time to check one line on your homeowners policy that surprises people.

Your wind and hail deductible may not be a flat dollar amount. A lot of policies now use a percentage instead. That means your deductible is a slice of your home's insured value, not the $1,000 you remember picking.

On a $400,000 home, a 2% wind and hail deductible is $8,000 out of pocket before coverage starts. Older roofs can push that percentage higher.

Most folks have never read this line until after a storm. Five minutes today beats finding out the hard way in July.

Full breakdown of how to read it is in the comments. No pressure, no jargon, just answers.

06/15/2026

“Insurance is too expensive” usually lasts right up until someone needs it.

We’ve never had a client call after an accident and say, “You know what? I wish I had less coverage.”

06/12/2026

Hold on tight!! 🌪️

8PM Severe Threat Update for Tonight:

Okay - time to really look at what’s happening. Storms are just a few hours away.

Storm chaser friend in Illinois caught a tornado a few minutes ago. I’ve posted it in the comments for you to check out.

Here is what I’m seeing for us:

#1) Tornado watch is about to be issued. MIGHT include a small part of NW Ohio.

#2) Squall line is a bit broken up right now. This is a good thing but there is a strong chance it morphs into one solid line across Indiana.

#3) Storms still likely won’t arrive until after 10pm and probably closer to midnight.

#4) Our highest threat for severe weather continues to be a strong gust of wind on the leading edge of the line. But there will be a risk of a tornado closer to the Indiana border in NW OH and SE Michigan.

#5) It is likely this line will come into NW Ohio packing a punch, losing that punch as it moves deeper into Ohio. It will likely be MUCH weaker for places east of I-75 or so.

Did I miss anything? Tornado photo is down below!

06/11/2026

Kids Going Away To College: Insurance Changes Parents Should Consider

When a child goes away to college, insurance needs may change. Learn what parents should review for auto, renters, homeowners, health, and personal liability insurance.

06/10/2026

Pop quiz, Northwest Ohio. 💧

Your sump pump quits during a storm and your basement takes on water. Is that a "flood"?

Believe it or not, your insurance company might say no.

In insurance language, a "flood" usually means water from outside, like an overflowing creek or rising surface water. That's covered by flood insurance (a separate policy).

But water backing up through your sump pump or drains? That's a different coverage entirely. It's called water backup, and it's usually a small add-on to your home policy, not automatic.

Two soggy basements. Two totally different policies. 🤯

Not sure which one (or both) you have? We'll check your policy with you, no charge, no pressure. Just message us.

06/08/2026

When a client says, “I care more about having the right coverage than saving every last dollar.”

Us trying not to get emotional over someone who actually reads the policy details.

06/05/2026

Sixteen years ago tonight, the sky over Lake Township changed everything.

June 5th, 2010. An EF-4 tornado tore through parts of Wood and Ottawa Counties with 175 mph winds. A path 10 miles long. Homes, schools, and lives changed in fifteen minutes.

Seven neighbors lost. Many more hurt. And so many families who rebuilt from the ground up.

If you were here that night, you remember exactly where you were.

Today we are simply thinking of everyone still carrying the weight of that storm. The ones who lost someone. The ones who rebuilt. The first responders who ran toward it.

Northwest Ohio is strong because we show up for each other. That has not changed in sixteen years, and it never will.

If you feel comfortable sharing, we would be honored to hear your memories of that night in the comments. 🤍

06/05/2026

You have been meaning to look at your insurance for about a year now.

It is on the someday list. Right under the gutters and the junk drawer.

No judgment. Most people only open the policy after something goes sideways, and that is the worst possible time to learn what is not covered.

Here is the offer with no catch. Send us a message and we will walk through your current coverage with you. Plain language, no jargon, no switch required. If everything looks good, we will tell you that too.

No pressure, no jargon, just answers.