Category Home & Renters Insurance

Is Homeowners Insurance Required?

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Homeowners insurance is not required by law like auto insurance is in Washington state. However, mortgage lenders may certainly require you to purchase a home insurance policy. Even though this is mainly because they want to protect their investment, it…

Wind Storm Damage – Am I Covered?

By Ryan Stueber  January 18, 2019 (edited Jan 2020) It’s already been a wet and wild winter here in the Pacific Northwest with some significant weather  events and yes, more on the way!! As the threat of wind looms, I thought it might be helpful to others to share with you some of the common scenarios that happen during our winter weather and how they are covered on a typical home insurance policy. As always, we’ll be here to help you thru the process should you have any questions or any damage occurs at your home. 5 Potential Winter Damage Insurance Claim Scenarios Windstorm blew shingles off my roof Is it covered? Yes but with some limitations- a typical Homeowners Insurance policy will pay for repairs to your roof, assuming the repair costs more than your deductible. But what if the roof is beyond repair and needs to be replaced? In many cases, the insurance company will pay out a depreciated amount to help replace the roof. This means that the older your roof is and the poorer the condition prior to the storm, the smaller the amount that the insurance company will pay. Insurance companies do this to protect themselves from paying out to replace people’s roofs that already need to be replaced due to wear and tear. Our recommendation The first thing to do in this scenario is the call 2-3 roofing companies to come out and assess the damage. If it is under or around your deductible, then it makes sense to take care of the damage yourself and not file a claim. If the damage is more severe or the roof needs to be replaced, give us a call to discuss further as it may be worth filing a claim at that point. Windstorm blows a […]

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