solar panels

Will home insurance cover my solar panels?

Here’s a sample scenario: Imagine you just invested $30,000 in a solar panel system for your home. After all, who doesn’t like benefits like these:

But, what about high winds and hurricanes that can rip the roof off your home, taking your solar panels with it? Whether you live off the coast of Florida, Texas, North Carolina, or Georgia, you know what we’re talking about. 150 mph winds can RIP and WRENCH a solar system off of a roof off in moments. Then, when the winds subside and the dust settles, you are then left with the question: Will my home insurance cover my solar panel system?

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Ceiling Fan Save Energy Cost

Save on Energy Costs This Winter

Winter officially begins in just over a month, but winter weather is already here! With temperates in the 40s the last few days, you’ve probably already started turning on the heater, pulling out the blankets and dreading the increase in your upcoming energy bills.

By reducing your energy use this winter, you can, in turn, lower your energy bills

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Tornadoes and Hailstorms

Tornadoes and hailstorms: Will your home be protected?

Part 2: Tornadoes and hailstorms

In our last article, we addressed the question “Will my home be protected from hurricanes? In that article, we discussed hurricanes and the lessons that will prevent us from suffering an unnecessary loss. In today’s discussion, we will address tornadoes and hailstorms.

Quick question before we begin: Do you think that you will be protected with your current home insurance policy in the case of a tornado or hail storm? Let’s find out together:

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hurricanes

Hurricanes: Will your home be protected?

Part 1: Hurricanes

Natural disasters. These words can send shivers down your spine. It seems like every day we hear about another natural disaster as they seem to rise to Biblical proportions: hurricanes, tropical storms, earthquakes, tornadoes, etc.

As a homeowner, just because you may have home insurance, it doesn’t mean you will necessarily be covered in the case of a natural disaster with your current policy. You may be wondering, “How can that be?” Well, let’s find out together as we look at the most common natural disasters that hit the United States each year.

Will your homeowners protect you from Hurricanes?

Normally when you think of hurricanes you think of coastal towns like Galveston, Texas. The facts are though that hurricane winds can cause damage to cities that may normally not be prone to hurricane damage. For example, all you have to say is the name “Sandy” and now you have New York and New Jersey paying close attention too.

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drones in texas

Home Insurance Drones Encircle Texas

How surprised will you be when you see an insurance drone circling your Texas home?

Here is the thing: insurance companies paid out billions of dollars worth of hail & storm insurance claims so far this year. For example, here are some of the claims in Texas:

  • San Antonio got hammered with grapefruit-sized hailstones up to 4.5 inches in diameter that knocked out windows.
  • Wylie, Texas, was hard hit with softball-sized hail that shattered car and home windows.
  • The Dallas-Fort Worth metro has been hit with thunderstorms that produced hail to the size of golf balls and tennis balls.

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lightning damage insurance equipment

Lightning and your electronic equipment

We don’t have to tell you how dangerous a lightning storm can be.

Downright scary! Lightning strikes can cause home fires. Another potential lightning threat is blowing up all of your electronic equipment. Just suppose your new $4,000 TV was hit by lightning.

Poof! Your TV is gone in a microsecond. Can this really happen? Most definitely, yes! Lightning and sensitive electronic equipment do not mix!

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pool home insurance

Is A Pool Covered By My Homeowners Policy?

Let’s face it, swimming pools are fun.

The idea of kicking back and relaxing while you float around your pool is inviting, isn’t it? Some of our best memories of growing up revolve around being in our backyard pool with friends and family.

However, there is a dark side to pool ownership that few care to think about. Did you know that about 300 children under age 5 drown in their backyard swimming pools? The sad truth is that it only takes a second for a child to slip under the water to drown before anyone notices what has happened. This raises an important question: 

Are swimming pools covered under my home insurance policy?

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