What to Know to Make Sure Your Roof is Covered In Your Homeowner’s Insurance Policy

We are excited to introduce Dean Hansen, of Farmer’s Insurance, in this month’s newsletter. Dean has been a local insurance agent since 2008. He is sharing critical information on homeowner’s insurance and what you need to to know about protection, specifically for your roof. 

dean hansen profile

 

From the Desk of Dean Hansen:

 

Insurance and Your Roof

When it comes to your Texas Homeowners insurance, proper coverage for your home’s roof is vital. While shopping for home insurance, many quotes that you receive will not disclose all of the coverage and exclusions; including weather-related damage claims to the roof. Low prices for homeowners polices are enticing. Policy documents can be long and confusing; hence the truth about your coverage may not be exposed until a Wind or Hail claim is reported and an adjuster explains how exclusions are limiting the claim settlement amount.

 

The key to having proper coverage is to have a relationship with an experienced Insurance Professional who is interested in your financial well-being. A proactive agent should make time annually (at minimum) to review and discuss your insurance needs with you. This will enable you to be smarter about your insurance, make educated adjustments and eliminate surprises.

 

Remember that the agreement that is in place when damage occurs is the agreement that your insurance company will honor at the time of a claim. There are no do-overs or backdating for changes to coverage after the damage occurs.

•             Does your policy cover “Replacement” of the roof or just pay for the remaining life value? “Actual Cash Value” (ACV) will reduce the amount of your claim payment.

•             Know your deductible. This is the amount that will be deducted from the claim total before the claim payment is paid. Homeowners policy deductibles for Wind and Hail are a percentage of the reconstruction cost of your home listed on your declarations page (minimum is 1%). For example if your home is insured for a reconstruction cost of $250,000, then your Wind and Hail deductible of 1% would be $2,500 and 2% would be $5,000, etc..

•             Are the metal components of your roof covered? Many policies exclude cosmetic or “Marring” damage to the gutters, vents, pipe jacks and other metal roof components. Coverage to replace marred metal roof components can be added onto some policies for an additional premium.

•             Within what time frame are you required to file a claim with the insurance company? How long do you have to complete the repairs once reported?

•             Should you call your agent first or are you required to call the carrier directly?

For help with those questions and more information on home insurance and claims processes call the home insurance experts at 972-727-9705.

 

Dean Hansen

Hansen Insurance Agency, LLC

780 N Watters Rd Ste 140

Allen, TX 75013

 

dhansen3@farmersagent.com

http://www.farmersagent.com/dhansen3

Office Hours: 8:30-5:30 M-F and Saturday by appointment

 

Getting Your Gutters Fall Ready

Are your gutters fall ready? Fall can take a toll on your gutter system and home if it is not cleared and running properly. Make sure to check that your downspouts are cleared out. Your gutters will be filled with debris and fallen leaves over the next few months. It is important to make sure all gutters and downspouts are ready for this season’s heavy load. For a thorough gutter cleaning, give us a call and we will hop to it!Gutters with leaves

Beat The August Heat With This!

August is historically the hottest month of the year! Check out SolarHide which is the reflective underlayment we use sometimes to beat the heat. We love SolarHide because of the following reasons:

  • Attic temperatures up to 30 degrees cooler when properly installed as a radiant barrier
  • Synthetic & 100% recyclable
  • One step underlayment & radiant barrier
  • Very durable, exceeds Miami Dade specifications
  • 10 sq. roll (48″ wide x 250′ long)
  • An energy saving addition for any roof system, including asphalt shingles

solarhide-roll

This radiant barrier sheet helps to reflect up to 97% of the heat that occurs. It assists with energy savings and substantially helps with cooling your home. This underlayment is versatile and can be used with most roofing systems including metal, wood, slate, clay tile, stone, coated steel, concrete tile, and asphalt shingles.

Kangaroo Contractors can give you a free roof inspection and can also provide a free energy audit to see if SolarHide or any other radiant barrier/ventilation option is good for your home. Give us a call, and we will hop to it!

This SolarHide information and more at http://ecochiefproducts.com/solarhide/.

 

Roof Inspections: More Than Shingles, Check Your Vents Too!

On one of our recent roof inspections we found this lead pipe vent that wasn’t properly pinched and sealed off like the one on the right. Failure to complete this important detail allowed for leaking into the house. Water leaks such as this can lead to thousands of dollars of water damage. Weeks of drying and costly home repairs can be prevented! It takes seconds to seal this correctly! Make sure your roof and ventilation systems are installed properly. For a free roof inspection give us a call, and we will hop to it!

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Call Kangaroo Today