home insurance claims Archives - Wise Insurance Group

Hail Storms and Insurance Claims

Hail season arrived in north Texas early this year with a storm which swept across north Texas from Justin to McKinney. The hail was from softball to golf ball size with the larger hail occurring around the Denton area and becoming smaller as it traveled toward McKinney. Initial estimates will be forthcoming in a few days, but I expect the insurance claims to be significant given the size of the hail and how widespread the storm was. I received several calls, text and email messages from clients affected by Sunday night’s storm. Let’s review what to do in handling an insurance claim after such a storm.

What are the Top 5 Home Insurance Claims?

Nobody likes home insurance claims, but they do happen. While we may not be able to avoid claims, we may be able to prevent some of them from happening. This is especially true for the claims that aren’t caused by Mother Nature!

Would You Choose This Home Insurance Discount?

Home insurance companies provide a number of discounts. There are discounts for married couples, retired couples, homeowners with monitored alarms, new roofs, newer homes, updates to plumbing, electrical, and cooling systems, and for placing your car insurance with the same company too. In most cases, these discounts are given for something you do or have, not for giving something up. The home insurance discount Dave wrote about though was for something a policyholder gives up.

Home Insurance Checklist for Home Buyers

I’ve been thinking a lot about creating a check list of home insurance related items for home buyers after last week’s post on why home buyers should check insurance on the new home during the option period. Here are three items home buyers should check that may help them save money on their insurance, as well as avoiding some unpleasant surprises.

Check Home Insurance in the Option Period

I dealt with an interesting situation this past week I believe is important to share with anyone buying a home. It reminded me why it’s so important for home buyers to review home insurance during the option period, not after it’s expired.

Avoid a Home Insurance Claim this Winter

Winter’s here, and in north Texas, that means some cool to moderate temperatures with some hard freezes thrown in, and just maybe, some snow or an ice storm. With that in mind, let’s examine what you can do to avoid a home insurance claim this winter, which will keep your rates down for years to come.

3 Home Insurance Pricing Factors Not Related To Your Home

There are a number of factors which go into the computation of your home insurance premium including age, construction type (brick, wood frame, etc.), age, and roofing material. In addition, there are factors that shape the replacement cost of your home’s insured value which has a direct correlation to what you pay for insurance. These include the number of square, how many stories, the number of living areas, number and grade of bathrooms, kitchen grade (see http://50.87.248.161/~wiseinsu/kitchens-bathrooms-and-home-insurance/), and is there a fireplace or swimming pool.

Texas Home Insurance Claims

Texas home insurance rates continue to climb and remain the highest in the country. There are two broad reasons most insurance companies give for our high rates; weather and increases in the cost of claims. With that in mind, I thought it was time to revisit the top four home insurance claim types, as well as where they are occurring geographically.

Talking with Your Insurance Company Can Cost You

Last year, I wrote a post, Insurance Apps & Insurer’s Use of Your Questions (see http://50.87.248.161/~wiseinsu/insurance-apps-insurers-use-of-your-questions/) where I outlined two insurance related bills the Texas Legislature passed. One bill allows Texas drivers to carry proof of insurance on their smart phone, the other bill barred insurance companies from using customer inquiries to cancel or non-renew, or to increase their premiums.

Home Insurance for Homes with Issues

Several times a year, I receive a call from an individual or family member who’s very anxious. They’ve found their dream home in north Texas, put their earnest money down, and ordered the inspection. The inspection outlines an issue and they find out days or a week before closing from their insurance agent that this issue prevents them from getting home insurance.

Tag: home insurance claims

Hail Storms and Insurance Claims

What are the Top 5 Home Insurance Claims?

Would You Choose This Home Insurance Discount?

Home Insurance Checklist for Home Buyers

Check Home Insurance in the Option Period

Avoid a Home Insurance Claim this Winter

3 Home Insurance Pricing Factors Not Related To Your Home

Texas Home Insurance Claims

Talking with Your Insurance Company Can Cost You

Home Insurance for Homes with Issues

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