We discovered shoddy work well over a year after we had home renovations done. Does my homeowners policy offer any help to fix the problem?

Home renovation may improve the appearance of a house, but it can also cause problems in the future if the work is not completed accurately. If you discover shoddy work more than a year after the renovations were completed, then the options that may be available in your homeowners insurance policy can vary.

Policy Details

The details of your property policy depend on the coverage that you purchased and the problems that the shoddy work is causing. In the case of renovation work that has become damaged, broken or otherwise causes major problems, it may be possible to make a claim on your current plan.

Repairs are often covered in a homeowner’s insurance policy, but some insurers may have specific details about the situation that must be met before funds are provided to make the appropriate changes to your home.

Clauses and Limitations

Although some insurers may offer solutions and assistance, it is possible that your insurer will not provide coverage for shoddy renovations or work that was completed more than one year ago.

Insurers often have clauses, exceptions and other details within the policy that help identify situations that are covered and situations that are not. In general, the faster you discover the problems with your renovations, the easier it is to repair the problem and make a claim on your policy.

If you are not sure about the details of your current plan, then read the policy thoroughly before you contact your insurer. Pay particular attention to the clauses, exceptions and any other notes that may limit the situations that are covered.

Every insurance policy is different, so shoddy renovations and problems with your house may or may not be covered based on the details of your plan. When you discover that your current policy is not appropriate for your needs, you can compare quotes online to find the best premium and plan for your situation. An independent agency can help you find the best plan for your situation, goals and personal budget.

Do I need to modify my home insurance policy if the road or utilities around my house are improved by the city workers?

City construction on the road and utilities around your house can have an impact on the drive and comfort of your neighborhood, but the impact on your home may or may not require modifications to your homeowners insurance policy. Depending on the details of the situation and the impact on your personal property, it may be appropriate to talk to an independent agent for new insurance quotes.

Basic Work

Road construction may or may not have an impact on your policy based on the improvements and projects that are completed. When the work is designed to improve the roads due to damages from a storm, pot holes or other problems, it may not have an impact on the value of your house.

Basic work is a necessary part of maintaining the road, so it does not always cause the price of homes in the area to increase.

Community Improvement Projects

In the case of a community improvement projects, the utilities and amenities in the area may improve. As a result, it is possible that the value of your house may also increase when the construction is completed.

If a project within the community causes the value of your house to increase significantly, then it may be appropriate to modify your current plan. It is also important to modify the plan if the work can have an impact on your personal property, such as damages to the yard or possible accidents that take place in front of your house. Community improvement projects can have an impact on the property value, the local amenities and the property surrounding your house, so it may be appropriate to add to your current policy or make changes to keep up with the alterations in the community.

Road work and utility improvements within the local area may or may not have an impact on your homeowners insurance policy. If you are not sure about the impact on your home, then talk to an independent agent to find out your options or to address your concerns.

I have some prized botanicals in my garden that were destroyed by the winter weather. Is their replacement covered by my home insurance policy?

When a person’s home is damaged in a winter storm, his or her first thoughts are often of making a homeowners insurance claim. What if all the value isn’t in your home, though? What if you have a collection of prized botanicals on your property, maybe even rare and expensive ones, that get damaged in that same storm? The call to your insurance agent may go quite differently in that case.

Damage to plants outside your home is generally covered only for perils such as explosion, fire, lightning, theft, vandalism, malicious mischief, and damage from vehicles not owned by anyone living in the dwelling. It is not impossible that your prized garden could be ruined by a lightning strike during a winter storm, but it’s not terribly likely, either. If it does happen that your prized plants are ruined by a covered event, then the coverage is often limited to not more than 5 percent of the value of the dwelling coverage and no more than $500 per plant.

If you want special coverage for particularly rare or expensive plants in your garden, you can get special policies or riders that not only cover your plants in the event of wind, snow and hail, but also increase the maximum benefit amount for plant claims. The cost of the coverage would depend on a number of factors, including risk, location, and the value of the insured plants.

When you are looking for a homeowners insurance policy with a rider to cover expensive plants, you should start by comparing the basic policies. Working with independent agents, we offer the chance to compare quotes on our website and to find the best possible policies for you with the best possible prices. Once you’ve narrowed your policy needs to a few choices online, you can start to ask more specific questions about riders for landscaping or expensive plants, helping to select the exact policy that you need.

We have a tree in the backyard causing allergy problems for us, is its removal covered by our home insurance policy?

Allergies that are caused by a tree in your yard can be a problem that lasts for years if you do not remove the plant. The problem is that the removal of a tree can exceed your budget and the funds that you have available for the project. Depending on your homeowners insurance policy, it may be possible to make a claim so that you can remove the plant.

Tree Removal

When you work with an independent agency to compare quotes for your property online, you have the opportunity to select the coverage that you want. Insurers often offer a variety of different plans and solutions that can help ensure your home is safe, but the details of every insurance policy can vary.

Tree removal due to an allergy may or may not be covered in your current plan. Some insurers may offer funds to remove trees from your yard in certain situations, but the situations that are allowed under your policy may vary.

Evaluate Your Plan

Before you make a claim, evaluate your current plan to determine if you have coverage for the removal of a tree. If you do have coverage, then look for any exceptions or clauses that may limit the times when you can make a claim.

In general, insurers will allow you to remove the plant if it is causing danger to your home, property or the property of a neighbor. It may also be possible to remove the plant if it is causing severe allergies that are dangerous to your health or the health of other individuals in the house. There may be exceptions or limitations on the coverage that is available, so it is important to read your policy thoroughly before you make a claim.

Insurance for your home is designed to protect your property, but you may also have solutions if your health is being impacted by plants in the yard. Contact us to talk to an agent for more information about the coverage options that are available for your property.

If a Winter Storm Damages our Home so we Cannot Live There Safely, Will our Policy Cover Staying in a Hotel?

Damage from a winter storm can make it hard to determine if your homeowners insurance policy will help with the unexpected costs. Although every insurance company and policy is different, it is possible that your insurer may offer solutions for living expenses if you cannot live in your home due to damages from a winter storm.

Review the Policy

The only way to determine if a particular plan will help pay for the hotel costs after your property is damaged is by reviewing the policy and looking for any details. Read through the paperwork and determine if there are any clauses, exceptions or details that may prevent you from making a claim.

Keep in mind that some insurers may pay for living expenses while a house is being repaired while other companies may not. The details of any plan can differ between insurers and specific policies.

Compare your Options

If you are looking for a policy that will help pay for living expenses if the house is too damaged to live in after a storm or similar situation, compare a variety of quotes online. An independent agency can help you identify potential policies that may be appropriate for your needs by narrowing down the choices and offering the best options for your goals and concerns.

When you compare quotes online, you have the opportunity to look at several different plans, policies and companies. Do not assume that the best policy for your goals will always be the most affordable policy. Take your time and read through the different options before you make any decisions. If you are not sure about different plans, an agent can help answer your questions so that you can make an educated decision about the best coverage plan.

It may seem challenging to find the best insurance for your concerns and goals, but it is possible to compare a variety of options and narrow down your choices. When a winter storm hits, some insurers may help you pay for those unexpected hotel expenses.

What Should I Look at in Reviewing my Home Insurance Policy?

When you own a home, it is often recommended that you review your homeowners insurance policy at least once per year. The reason that you want to review your current plan is to identify if better options and solutions may be available. Before you compare online quotes for a new policy, read through your current plan to determine if it is still appropriate for your property.

Liability Protection

A key factor in any homeowners insurance policy is the liability plan. Liability will protect you from financial hardships if a guest in your home falls down the stairs, trips over a toy or is otherwise injured while visiting your home.

The protection plan will help pay for the medical bills that arise when injuries occur. If you have stairs, a pool or a pet, then it is usually best to have some protection against potential injuries.

Property Protection

Read through the details regarding the protection of your property. Find out how much protection you currently own and evaluate the current market value of your house. Ideally, you want enough protection to pay for any repairs that may arise.

The cost of repairs or rebuilding your house may change each year, so this is a particularly important part of your policy to review and check.

Clauses and Exceptions

Many insurers will put in clauses or exceptions that prevent you from making a claim when certain situations arise. For example, an insurer may not cover damages from floods in a basic policy. Find out if the current plan has any clauses or expections that may impact your ability to make a claim. If it does have exceptions, then read through the details to determine if it is an acceptable exception or if you feel that further protection is necessary.

When you finish reviewing your current plan, consider if it is appropriate for your needs. In some cases, it may be necessary to work with an independent agency to find an appropriate replacement when the plan is no longer suitable. Contact us to speak to an agent for more details about reviewing your policy.

Are Riot, Strike and Malicious damages covered under my Texas home insurance policy?

There are several natural disasters that could put your Texas home in danger: house fires or wind damage and flooding from hurricanes. You probably know whether or not your current homeowners insurance policy covers those things or not. But what about riots, strikes and malicious damage done to your home or property? That kind of coverage was probably not used as a selling point when you bought your current home insurance policy.

The answer is: yes, you can purchase coverage for such man-made disasters, and it may be a part of the policy which you currently own. Typically actions like riots, strikes and malicious damage fall under the broad form of insurance which also includes explosions, theft, falling objects, smoke and damage caused by vehicles and aircraft. A quick read-through of your current policy should tell you if you’re covered. If you’re not, it’s always good to err on the side of caution, so when you’re ready to buy a new home insurance policy, you should opt for one that covers these harmful acts.

If you’re looking for cheaper coverage, or just a new policy, it’s really simple to get insurance quotes online and compare them from the comfort of your home. Simply fill out the form on our website and submit it to get a list of companies who will insure your home. This first step takes just a few minutes! From there, read through the list of insurance providers and compare the prices and coverage options and make a decision. If you need help understanding the coverage and other jargon, give us a call; we’re always glad to help. While this latter part may take an hour or two, the amount of money you could save is well worth the effort you put forth.

When you’re ready to find cheaper insurance that covers a riot, strike or malicious damage, contact us today. We’re here to help answer any questions that you have and to help you find the right policy for your insurance needs.

Does my Homeowners Insurance Policy Cover Flood Damage?

Flood damage is not covered by a standard homeowners insurance policy. However, your insurance company can provide you with special insurance that will cover losses you incur based on flooding, The federal government guarantees the insurance policy. If you do not have an agent the insurance can be purchased directly from the National Flood Insurance Program . According to the Federal Emergency Management Agency (FEMA) about 20 percent of losses due to floods occur in areas that are considered low to moderate risk. Purchasing a flood policy for homes in these areas is modestly priced.

If you would like to find out your risk factor visit the NFIP website, if you think flood insurance is a luxury and not a necessity visit the NFIP flood simulator website and learn how much damage a small amount of water can do to your home.

Homeowners need to be aware that this insurance will cover the cost of rebuilding your home, but, your possessions are covered only for cash value, not replacement cost. This means that if you purchased a flat screen TV six years ago, the insurance company will pay you the cost of buying the TV minus seven years of depreciation. This has befuddled many folks who filed claims with the National Flood Insurance Program when they discover that they money they receive to settle their claim is not enough to replace their belongings.

There is a solution, it is known as excess flood insurance and it extends your coverage further than the NFIP policy does. You can extend coverage limits, opt to raise your personal protection from flood damage to provide replacement cost and choose other coverage options. To obtain this type of insurance it is best that you discuss your needs and coverage goals with your flood insurance agent.

Storms are becoming stronger and even low risk commercial property and residential properties can be severely damaged in areas that were once considered safe. Check with your insurance agent so that you know your property is protected and you will have peace of mind.

Why Homeowners Should Check to See if You Have Off-Premise Protection on Your Policy

If you are not sure if you have off-premise protection on your homeowners insurance policy, now would be a great time to check. Many people wait until they have a claim, and then find out they do not carry this type of protection. Off-premise protection is the insurance coverage that will take care of your possessions if you are away from home. If you often travel for business or pleasure, or if you have a child who is away at college, this type of coverage is even more important.

Sometimes, when traveling, the airline will lose your luggage or your possessions could even be stolen while on vacation. Even if you are careful to always watch over your items while you are away from home, it is not difficult for someone to steal your laptop or new iPhone. When this occurs, if you have off-premise coverage as part of your homeowners insurance, you will be able to make a claim and replace your items quickly. Also, if you have a child who is living in a college dorm, if his personal property is stolen or destroyed, your homeowners insurance will take care of the loss. Although, once your child moves to an off campus apartment, he will need to get his own renter’s insurance.

After checking your policy, if you find that you do not have this type of off-premise protection, think about comparing quotes online and finding an insurance carrier that offers this coverage for an affordable price. Comparing quotes online is the best way to make sure you are getting the best rate available. Do not wait to find out if you have the protection you need until it is too late. Make sure your policy gives you the protection you need and the peace of mind you deserve.

What are the Insurance Related Closing Costs when Buying a House?

When buying a house you need to consider all of the expenses that go along with the closing. In addition to the realtor’s commission, there will be insurance related closing costs. Not only will there be an expense for title insurance and possibly private mortgage insurance, you will need to find a homeowners insurance policy to protect your new property from damage.

Before you buy a home, if you are borrowing money from a lender, you will need to have homeowners insurance in place. This type of policy will protect your property from theft, fire, flood and other disasters. You will also need to determine how much coverage you need for your situation. If you have a garage or a pool, you will want to make sure your house insurance reflects this. If you are installing high end upgrades into the home, such as hardwood floors, stainless steel appliances and flat screen televisions, your policy will need to take this into consideration also. When buying a home, you are not only insuring the personal property inside the house, you are also insuring the building and considering how much it would cost to replace or rebuild the home in the event of a disaster.

There are several types of insurance related closing costs when buying a house. You will want to compare quotes online for the best rates for the coverage you need and make sure the insurance is in place before you close on the home. The last thing you want is for such a large investment to be destroyed and have no way to recoup your loses. Although you do not expect disasters to happen, they can occur without warning. Check out the rates with several companies for affordable house insurance before making a final decision.