Do you have enough coverage in your home insurance policy to cover a total loss? Do you have the right coverage? The answer to these two questions may never be known until you experience a situation like over 100 homeowners did after Christmas when tornadoes rumbled through Red Oak, Garland, and Rowlett. Over 1,200 homes and businesses were damaged or destroyed by 11 tornadoes which ransacked parts of north Texas on December 26th.
Changing our calendars to a fresh new year can cause us to reflect on what has transpired over the past twelve months. Many who do that resolve to initiate changes and renew a commitment or promise to themselves to do some things different. Along with people filling up the local gyms with a regenerated desire to get their bodies in shape, many take a look at their finances to consider ways they can improve their financial bottom line.
Sheri and I headed to join friends over the New Year’s holiday after checking in with all our clients located in and around where the tornadoes struck Garland, Rowlett, and the surrounding areas last week. We drove out I-30 toward where the twister struck near where the George Bush tollway and I-30 intersect. The damage sustained by the apartment buildings on the south side of the freeway was incredible; starting with rubble and progressing along the buildings to lost roofs and major damage.
This past Saturday was a warm day, shorts and t-shirt weather for most of the day. The weather report called for a cool front to move in that afternoon and evening. It did and the collision of the cool front with the warm air moving up from the Gulf set off a chain of thunderstorms and up to 9 reported tornadoes that ranged from Waxahachie, through Garland, Rowlett, and past Lake Lavon in Collin County. The extent of damage wasn’t known until Sunday.
Christmas will arrive in a few days. The phone is a little quieter and there aren’t as many emails as clients, friends, and business associates prepare for Christmas. Sheri and I attended our last holiday party Sunday and we’re now finalizing our preparations to spend time with our kids and 7 grandchildren. It promises to be a wonderfully noisy time filled with plenty of hugs, laughter, stories, gifts, and too much food.
Christmas arrives next week. In addition to knocking out the shopping for those who haven’t finished it yet, many people will be visiting friends and family or packing in a family get away before school starts back up. In many cases, this means, people will be renting a car. The big question I get from clients when travel is about to take place is whether or not their car insurance covers a rental car.
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