Category: Home Insurance

After a severe storm rolls through Plainfield, IN, some homeowners are left to deal with the damage. Dealing with storm damage can leave homeowners frustrated as they deal with roof damage and getting their insurance claim approved. Some roof damage is covered by standard insurance policies, while other situations may lead to a denied claim. Continue reading to learn more about the roof damage and your homeowner’s insurance coverage. 

If needed, the experts at Gill Insurance Agency can help you with your insurance coverage and explain the different situations when roof damage is covered. 

Does My Homeowners Insurance Policy Cover Roof Damage?

The best way to determine if your homeowner’s insurance covers roof damage is to take the time to read the entire policy. Typically, homeowners insurance considers how the roof was damaged before approving or denying a claim. Generally, roof damage is covered as long as it was not damaged because of neglect or lack of maintenance. Some policies have exclusions, which do not cover roof damage caused by wind or hail. 

What If There is a Leak In My Roof? 

When you discover a roof leak, you must first take the steps necessary to minimize future damage to the roof and your items inside the home. Then call a contractor out to determine the cause of the leak. Finally, if some covered damage caused the leak, call your insurance company. They will send out an adjuster to look at the roof and determine if your policy covers the damage. 

Dealing with roof damage and trying to get it covered can be a challenging process for many Plainfield, IN homeowners. To reduce the hassle associated with roof damage, call our experts at Gill Insurance Agency. We can help you determine what is covered and provide you with the best insurance policy for your needs. 

Home insurance is designed to protect your home from a variety of perils. You choose the amount of liability coverage and the deductible. Your peace of mind comes from knowing you are safe. It would be great if home insurance covered everything that could damage your home, but unfortunately, it doesn’t. Knowing the exclusions on your policy is vital. Always read your policy. It is just a good thing to do. At Gill Insurance Agency in Plainfield, IN, we don’t believe in one size fits all. We believe your insurance policy should be customized to fit your needs. 

Floods

Floods cause billions of dollars in damage every year across every state in the union. It is hard to imagine one of the most common hazards homes face isn’t covered by home insurance, but that is the case. The good news is flood insurance is offered by the NFIP (National Flood Insurance Program) and by private insurance carriers and is something you can purchase if your home is in an area where flooding might pose a danger. 

Earthquakes and other land movements

Not quite as common as floods, earth movements are also not covered by home insurance. Land movements include earthquakes, mudslides, and sinkholes. All of these can hit with little or no warning and cause devastating damage. You can also purchase an additional policy to cover this potential issue. 

Owner neglect

Your insurance carrier has the expectation you will maintain your home. This includes replacing your roof when it ages out and treating your home for pests like carpenter ants and termites before they do major damage. 

Having the right home insurance gives you security. You can supplement your policy to cover excluded items if you are aware of them. Talk to us at Gill Insurance Agency in Plainfield, IN about your home insurance needs, and let us make sure you have the right coverage. 

Your home is where so many of the big events in life are celebrated. It is also one of the largest investments you will ever make. Protecting it from all the hazards that can damage it is essential. Winter offers some unique challenges to homeowners. Having home insurance you can count on is a challenge that transcends the seasons. If you live in or near Plainfield, IN, Gill Insurance Agency believes in tailoring your insurance coverage to your particular needs. With access to a wide selection of carriers, we can make sure you get what you need at the best price. 

Clean your gutters

As fall fades away, the residue of the season often lingers in your gutters and downspouts. Leaves can clog the gutters resulting in water backing up when you get heavy rain. Water backup can result in damage to not only your roof but the interior ceiling and walls. 

Chimney check-up

Using your fireplace is a sure sign winter is on the way but don’t enjoy your first fire until you have had your masonry checked and your chimney cleaned. While you are waiting for the chimney sweep to arrive, you can get the wood ready for all those cozy evenings. 

Change batteries

Being closed in for months makes it important to check the batteries in your smoke and carbon monoxide detectors. Especially if your home is sealed up nice and tight, carbon monoxide becomes an even greater danger. 

Plug the leaks

It’s time to check all those little breezes that blow through your home from leaks around doors and windows. A little caulk and weatherstripping can keep the heat in and not leaking out. 

When you are ready to discuss your home insurance needs, Gill Insurance Agency in Plainfield, IN is here for you. Give us a call or stop by our office for a free quote. 

You’ve just put in all kinds of time and energy into a home renovation or upgrade. Maybe you added a new fence or wholly updated the kitchen. Whatever you did, it’s a great feeling to accomplish a new upgrade to any home. But what about insuring this upgrade? Should you tell your insurance company about it? We at Gill Insurance Agency want to make sure you have all the facts, so if you live around Plainfield, IN this is what you need to know.

Do You Need To Say Anything?

First of all, no, you don’t need to say anything. You can make your upgrade and not tell your insurance provider. This is one option, but it may not be the best way to go about protecting your home.

Protect Your Upgrade

You likely put in a considerable amount of time and money into your upgrade. If your kitchen is damaged and you just renovated your kitchen, do you want to spend the money all over again to redo the kitchen? If not, you’ll want to tell your insurance provider about the upgrade. By informing your insurance provider, they can adjust your policy and make sure it is protected. This way, no matter what happens to your home, you won’t be forced to pay out of pocket to redo what you already upgraded completely. 

Proper Home Owner’s Insurance

You need to protect your home. The best way to do this is with home owner’s insurance. Whether you’re looking around for a new insurance provider or are considering the purchase of a new home, our staff here at Gill Insurance Agency here in Plainfield, IN is here to help and make sure you have all the information and answers needed to locate a policy designed just for you and your home.