We interviewed one of our clients, Douglas Inspection Service about Wind Mitigation Inspections. If you haven’t had one yet you may be able to save money on your Homeowners insurance! You can learn more about Wind Mitigation Inspections on our blog and read about them and Douglas Inspection below!
Q. How long is an inspection?
A. The time spent at the property is usually less than an hour. We do research prior to the appointment and at the home we verify the results of our research and confirm the way the roof is secured to the house. It really depends on how far into the attic the inspector has to go to find and photograph the features the insurer is looking for. Read more →
A. Just like with any type of property coverage owners should purchase enough coverage to replace their pool cage should it be completely destroyed. Referencing your original purchase paperwork or getting an estimate from a licensed contractor can help take the guess work out of the number. Be careful though! Many homeowner insurance companies do not offer screen enclosure coverage, or they only offer coverage for the actual cage or aluminum framework but not the screen material itself. Screen enclosure coverage is usually by special add-on, so if it doesn’t appear on your policy you should ask your agent about your specific needs and the details of the your specific policy.
A. A 4 Point inspection is like a check-up for the vital systems in your home. The inspection isn’t conducted on a pass/fail basis, but it can reveal areas that need repair. The 4 points examined are the roof, electrical wiring, plumbing, and heating/cooling systems. Many homeowner insurance companies require 4 Point inspections once homes reach a certain age. It’s a relatively easy and inexpensive way to ensure that your home is healthy and doesn’t have any hidden problems that may reveal themselves when least expected. When you hire someone to do an inspection you make sure they are licensed. We work with a few highly rated and recommended inspectors so if you need their number give us a call! It is possible that your insurance company may come back and request that you make a change based on the results of the 4 Point Inspection. For example, there are electrical panels that are old and can be a fire hazard and certain types of pipes that are found to leak more so if you have them the company may request that you replace or fix them.
A. Water Back-Up and Sump Overflow coverage protects against water intrusion in the event that public utilities and/or septic systems become inundated and reverse course. This type of coverage became very common after the 2004 hurricane season during which storm drains could not handle the amount of rain water inundating them. This coverage is separate from flood insurance and most homeowner insurance already covers water damage from roof leaks/burst pipes/certain other causes. Simply put, if your toilets and/or sinks began overflowing into your home due to reasons outside of the home (not a hairball in the P-Trap or tree roots in the main drain) this coverage may apply. If you are not sure if your policy has Water Back-Up and Sump Overflow coverage call your agent.
A. Liability Umbrella policies are incredibly valuable and affordable protection needed by individuals and businesses, alike. Your primary policies – home/car/boat/business owner’s/worker’s compensation/commercial automobile/etc. – provide an initial layer of liability protection. This primary coverage is often maxed out at $300,000 – $500,000 for individuals and $1,000,000 for businesses. Umbrellas can come with many different coverage limits, but the most common limits are $1 million, $2 million, and $5 million. Insurance is designed not only to protect your current assets, but it also aims to protect your future earning potential against wage garnishments and judgments that a major claim may give rise to. Umbrellas extend your liability protection beyond your primary coverage. Simply put, someone with $500,000 primary liability and a $1 million umbrella effectively has $1.5 million in protection (within the bounds of the policies involved). Umbrellas can sometimes even provide additional coverage that your primary insurance does not.
If you feel like you might need some extra protections in place and want to explore your options, submit your free quote now or call today to discuss your options.