“I feel like every time I make a claim, I get unexpectedly denied for something I thought was covered. What is covered by homeowner’s insurance?” – Sam K. Thank you for your question! That is very frustrating. Most insurance companies have a list of problems or perils that they will not cover. It is important…

Thank you Jim H. from Oswego, IL for your question! Jim asked me to explain how exactly homeowners insurance worked.    What is Homeowners Insurance? About 69% of Americans have less than $1000 in their savings account. What are you supposed to do when a storm rolls through and you need a new roof now? $1000 is…

When your roof begins to fail, whether from old age or a storm, time is of the essence. Damage to your roof can cause water damage which can lead to structural damage to your home. But by acting quickly, that may be avoided. There are a lot of reasons why people wait to file insurance…