The Humphrey Team

THE HUMPHREY TEAM

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What to Do if Your Homeowner’s Policy Is Dropped

Mar 26, 2015 in Homeowner . 0 Comment

What to Do if Your Homeowner’s Policy Is Dropped

A loss leader is a service or item that costs the provider more cash than it brings in; grocery and clothing stores often offer sale prices to get customers in the door. Property policies are loss leaders for the insurance industry. To mitigate the red ink that results from claims payouts, many insurers have strict internal guidelines that trigger non-renewal or cancellation of homeowner policies. In this article, you’ll learn why policies are dropped, and what to do if yours is canceled or unrenewable.

Too Many Claims

Your insurance agent won’t tell you this, but if you suffer catastrophic damage or make too many claims in a three- to five-year period, your policy may be flagged for non-renewal. What constitutes too many? Only the insurance underwriters really know. Flags may be triggered by dollar amounts, severity of damage or number of claims. Therefore, only file claims that go well above your deductible, and keep your home in good repair to avoid damage.

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Redecorating Your Family Room

Mar 25, 2015 in Homeowner . 0 Comment

Redecorating Your Family Room

The family room is where life happens. This is where joys and heartaches are shared, new visitors become cherished friends and family bonds are strengthened. Why not redecorate your den to create the ambiance of fun, intimacy and strength that your family embodies.

Deep Color

Rich hues have a way of creating a cozy atmosphere, but don’t think that deeper tones equate to dark ones. Think of lush, evocative colors instead. For instance, the silvery green found on the underside of an aspen leaf or oceanic hues are both cooler options for the room. If you prefer more warmth, try a buttery yellow or toffee brown.

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Spring Home Maintenance

Mar 23, 2015 in Homeowner . 0 Comment

Spring Home Maintenance

After the winter’s storms and heavy ice have abated, it’s time to check your home’s exterior and interior for damage. Use this spring checklist to prepare for upcoming showers and keep your home in top shape.

Outside

Thoroughly inspect outdoor surfaces and fixtures for signs of damage, wear or blockage to prevent the elements from invading your living quarters.

Roof

No climbing is necessary. Grab a pair of binoculars and take a good look at your roof. Missing, torn or upraised shingles need to be repaired to protect your home from spring rain and hail.

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How to File a Homeowner’s Insurance Claim

Mar 20, 2015 in Homeowner . 0 Comment

How to File a Homeowner’s Insurance Claim

Homeowner’s insurance is one product you purchase with the hope that you’ll never have to use it. However, when disaster strikes, you want to know how to file a claim. This article gives an overview of the steps you need to take to receive the full reimbursement covered by your policy. 

Get Emergency Help if Needed

When damage is caused by a vehicle accident, vandalism or theft, your first call should be to the police. If anyone is missing or injured, call 911 immediately. In addition to procuring prompt medical care and protection, the police report will serve as documentary evidence.

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Updating Your Roof

Mar 18, 2015 in Homeowner . 0 Comment

Updating Your Roof

Homeowners often spend a lot of money on improving their home’s interior. On the other hand, the exterior may go a while without being updated. Read on to discover the reasons why you need to replace your roof, and how to find a good roofing contractor when the time comes.

Warning Signs

Most roofs last 15 to 20 years, but there is no set timeline for when they should be replaced. Instead, rely on the tell-tale signs of wear to decide if replacement is necessary.

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