With flood insurance, the Tiptons rebuilt their home safer and stronger after Hurricane Matthew. Learn why flood insurance is worth the investment. #FloodSmart
Flood insurance is very affordable. Call us for your free quote, and act soon because there is a 30 days waiting period before the policy is effective.
EMERGE INSURANCE AGENCY
You may be looking for ways to improve your home. Perhaps you want to upgrade your kitchen, replace a leaky roof, or add on that sunroom you have always wanted. Before you get started, however, you'll want to know how that remodeling project can affect your homeowner’s insurance coverage.
Update Your Homeowner’s Insurance
Whether you're updating your kitchen or adding on another room, a remodeling project will likely add value to your home. As a result, you'll want to check the property coverage limits on your homeowner’s policy to make sure that they reflect any changes you make to your home, no matter how small or large the improvements may be. Conversely, some upgrades may trigger lower premiums savings you do not want to miss, simply because you did not call your agent.
If you are adding an addition to your house, you will want the addition specifically mentioned in your policy. If it is not, your insurance company may not provide coverage for damages that occur to the new room. On the other hand, if you are just replacing your deck with the same materials, you most likely will not have any increase in your home value.
If you hire someone to do the remodeling, you'll want to make sure that he or she is properly insured. Any contractor that you hire should have a certificate of coverage for both workers' compensation and contractor's liability insurance.
Workers' compensation coverage protects you from liability claims that can result from a contractor (or their employees) getting hurt on the job. Contractor's liability insurance provides coverage for damages to your property caused by the contractor during remodeling.
EMERGE INSURANCE AGENCY
Is it time to replace your roof? Installing a metal roof might be the answer you're looking for, but be aware of these five points first.
If there is one constant when buying or owning a home, it's the roof. You may have gas or electric heat, solar hot water, a septic system or municipal waste management, but every home has a roof. And eventually, that roof needs replacement. Installing a metal roof on your home comes with some major benefits and some drawbacks.
The average life span of an asphalt shingle roof, which is the most common roofing material, is about 20 years. So there's a good chance you'll need to replace your roof at least once if you own a home for any length of time. In that period, you may need to make repairs, as well. Even a small leak in your roof can lead to damage throughout your home, such as mold within the walls, and even structural problems if the leak goes unnoticed for a long time.
Asphalt shingles aren't the only roofing material, however. There are five common roofing materials: asphalt shingles, wood shingles, metal, tile, and slate. A metal roof has some distinct qualities that might make it the right choice for you.
Installing a metal roof: The good, the bad, the ugly
1. What is a metal roof?
A metal roof is constructed from aluminum, steel, copper, or a copper/asphalt blend. Metal roofs don't have to "look" metal, though. Advances in construction and fabrication can give you a metal roof that looks like classic wood shingles, tile, or slate.
It's also worth noting that metal roofs have come a long way since the days of the flimsy tin roof on the old barn. If you're replacing your roof, it behooves you to look into the new materials and construction.
2. How long will a metal roof last?
According to the Metal Roofing Alliance, the lifespan of a metal roof is between 40 and 60 years. The International Association of Certified Home Inspectors places the average life of a metal roof between 40 and 80 years.
For the sake of comparison, an asphalt shingle roof needs replacement within 20 years. A tile roof will give you at least 80 years, and possibly more. A slate roof is the longest lasting (and most expensive) with a lifespan of over 100 years.
3. How much will a metal roof cost?
This is, of course, one of the big questions. Installing a metal roof, or any roof, is a big job. Contractors may have wildly different quotes, depending on the location, the type of roof you have, or even how busy they are. It isn't just the contractor that determines the price, however. These factors also play into the cost of any new roof:
According to Bob Vila, when you spread the total expenses out, "a standing-seam metal roof is the least costly roof option over the life of the roof because it is virtually maintenance-free and can last 50 years or more."
Understanding the many factors that go into the expense of installing a metal roof, there is still a national average price of between $14,000 and $16,000 as calculated by Roofing Calculator. By comparison, an asphalt shingle roof is around $6,500, and a tile roof runs about $18,000.
4. Is a metal roof safe?
The short answer is yes. A properly manufactured and installed metal roof is fire-resistant, is non-combustible, and can withstand hurricane force winds. And, no, it will not attract lightning any more than any other roofing material.
5. Is a metal roof environmentally friendly?
A metal roof is green in more ways than one. Manufacturers can make metal roofs with up to 95% recycled material, and if you do ever replace your roof, they are entirely recyclable. Installing a metal roof comes with plenty of indirect ecological benefits, too.
Add a reflective coating to a metal roof, and you could save an average of 40% of your summer cooling costs. The longevity of a metal roof also decreases the drain on resources to repair or replace a shorter-lived roof.
The downside to this is, of course, the initial use of natural resources to make and install the roof in the first place. You may find that proper maintenance and repair of your current roof (along with other energy-reducing habits) is more environmentally friendly than installing a metal roof.
No matter what kind of roof you have, a home insurance policy will help you retain the value of your home in the event of an accident.
EMERGE INSURANCE AGENCY
With every commercial liability and property policy, regulations require that the option to purchase terrorism be offered. Business owners are increasingly in need of advanced insurance products for protection in today's digital world. One of the ways you can protect your company is with the use of terrorism insurance. This type of business insurance can provide you with financial protection from losses you suffer as a result of terrorist activity. Take a good look at these policies. They differ significantly from each other because they are a newer form of protection. Nevertheless, they are becoming more vital than ever.
What Does Terrorism Insurance Cover?
Terrorism coverage is a type of public and private risk-sharing partnership that allows the insurance industry and the federal government to share in the losses when a terrorist attack happens. It was put into place through the Terrorism Risk Insurance Act in 2002. In short, it allows a business to recover losses and rebuild after such an event occurs.
This type of commercial business insurance can cover both destroyed and damaged property such as your building, its furnishings, its equipment and its inventory. It may also cover a long-term interruption of your business. In some cases, it can also provide a level of liability protection from claims made against your business in relation to terrorism.
These policies do have exclusions, and they differ from one state to the next. They may exclude coverage for a fire after such events, as well as chemical, biological, nuclear and radiological attacks. In addition, you should have specific cyber insurance to protect against cyberterrorism
Do You Need It?
Not all businesses need to have this type and level of coverage, but more do now than have in the past. The cost for this coverage tends to be inexpensive in most areas, and those who live in a rural or residential area may be less likely to need this coverage than those businesses operating in a city center. If you operate in or near airports, government buildings or other busy traffic areas, you are at an increased risk.
All types of business insurance are important. Talk to your agent about the benefits of adding terrorism insurance to your policies and take advantage of the protection available to you.
Call Emerge Insurance Agency 904-677-5884 for more information on Florida business insurance
Did your home suffer a disaster? Here’s how to file a claim.
The point of having homeowners insurance is so that you can file a claim, instead of paying out of pocket. If your home is damaged, destroyed, or burglarized, you may be entitled to file a claim so that you don’t have to repair and recover your home and belongings on your own. The good news is that, regardless of the disaster your home faces, the claims process doesn’t have to be a nightmare.
Although each insurance company has a different claims process, there are some general guidelines for what to do to make the claims process go smoothly. Read through your policy to determine where your responsibilities lie.
First and foremost, remain safe. If you’re the victim of a theft or if your home has been vandalized, call the police to report the crime. Get a police report and the names of all law enforcement officers that you speak with.
Pick Up the Phone
Call your homeowner insurer and let them know about the disaster. Claims can take time, but informing your insurance agency as soon as possible helps you to get the ball rolling.
Prevent Further Damage
Take reasonable steps to protect your property from further damage (this is a requirement of your policy). Make minor repairs if necessary.
Make a List of All Destroyed/Damaged Items
You’re going to need to list what exactly you’ve lost in the disaster. Avoid throwing out damaged items until the adjuster has visited your home. Consider photographing or videotaping the damage. If you have one, now is the time to review your home inventory list.
Keep a Paper Trail
Make notes of everything you do along with receipts of expenses. If you have to move into temporary housing after a disaster, many insurance policies provide coverage for the “additional living expenses”.
Your insurance company may arrange for an adjuster to come and inspect your home. When you and your insurance company agree to the terms of a settlement, you’ll be sent the payment promptly so that you can get your home back up and running.
Whether you’ve suffered a theft or a natural disaster, homeowners insurance is there to pick up the pieces. Work with an insurance company that is dedicated to protecting you and your home. Contact Emerge Insurance Agency. We serve Jacksonville, and neighboring cities in Florida.
EMERGE INSURANCE AGENCY
Cecil Williams -