You might have some roofing issues!
Q. Why is my insurance company telling me my roof is too old and that I need to replace it? It looks fine to me!
A. Keeping a comfy roof over your head is one of peoples’ highest priorities no matter where they are. When it comes to homeowner insurance roofs can quickly become a lot more complication than just shingle or tile. Insurance carriers have detailed data on how long roofs are expected to last, what are the most common causes of roof related claims, and which types of roofs tend to work best.
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I would like to thank one of our agents, Kathy Barton, with suggesting this question for our blog. This is a very specific question and if you have any questions on what exactly your policy covers make sure to call your agent.
Q. I just went grocery shopping and filled my deep freezer and refrigerator right before the big storm hit. My power has been out for 2 days and all the food has spoiled. Will my homeowner’s insurance cover this?
A. Your homeowner insurance may very well cover for spoilage of refrigerated property due to off premises power failure. However, this is usually only by a special add-on that incurs an additional premium. That means that you must request and pay for this specific coverage. It is not part of most standard homeowner policies. When reviewing your policy you should ask your agent what upgrades or optional endorsements, like spoilage coverage, are available through your homeowner insurance company.
Q. Does my auto insurance cover my rental car?
A. There is a strong chance that it does. Most standard and preferred automobile insurance carriers extend coverage to private passenger vehicles that you rent such as while on vacation. You must check with your specific carrier though, as many non-standard carriers and certain standard/preferred carriers do not extend such coverage. Also, remember that most auto carriers do not extend coverage to non-private passenger vehicles such as do it yourself moving trucks. As always if you have specific questions as to your coverage and policy make sure to contact your agent.