Farm Bureau Homeowners Insurance Claims – Many people assume that their basic homeowners insurance policy will pay for any damage that occurs to their home and the property inside it, but what does homeowners insurance really do? Before you assume you have the coverage you need, learn the details of your specific policy to ensure your property is properly covered at the right time.
Read on to find out what a standard homeowners insurance policy might not cover, and how you can add coverage to your policy.
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In addition to mold being an eyesore and a health hazard, many standard homeowner’s insurance policies either limit mold damage coverage or exclude it outright. If you are concerned about the risk of mold in your home, talk to your Farm Bureau agent about the additional coverage for fungi (which includes mold) provided in your policy.
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A drainage backup can be for various reasons. From connecting new homes to old lines, to pipelines that handle stormwater and raw sewage, storm surges, obstructions caused by tree roots, sewer backups can happen to anyone. can
A simple solution, such as installing a sewer backflow valve, can help you stay ahead of a potential mess, but it’s also wise to consider adding sewer backup coverage to your homeowner’s policy. be done Although we can’t help you avoid damage, we can help reduce costs by protecting your flooring, furniture, electrical system and more.
If you operate a business out of your home, your standard homeowners policy may not cover claims if your inventory catches fire or a customer slips and falls on your snowy front stoop. If you work as a website programmer from a garage, additional coverage can help protect your home business.
Adjacent buildings on your property, such as sheds, tree houses and outbuildings, may be subject to limits on your primary policy. If you recently built an additional structure on your property, contact your agent to determine if additional property coverage should apply.
Infographic: 8 Surprising Things Your Homeowners Insurance May Not Cover
If you’re wondering if your homeowner’s insurance covers termites, you’re not alone. And for good reason! Colonies from a few hundred to several million can destroy the structural integrity of your home. Rotten floors, walls and ceilings are common examples of termite damage. These pests cause billions of dollars in damage each year and their ability to go undetected for years is a disturbing thought.
You can reduce your risk by keeping paper, dead plants or wood — all food sources for termites — away from the soil around your home, and by making sure crawl spaces are ventilated and foundations are dry so termites have access to water. can be prevented from happening. Because termite damage is rarely covered under homeowner’s policies, arrange for a licensed pest control company to inspect and treat your home on a regular basis.
Specialized personal property insurance (also called inland marine coverage) is a way to protect your most valuable possessions – things like jewelry, fine art and other collectibles. Although you may have coverage for these items with your standard policy, limits may apply, especially for high-value items. This special coverage can increase the standard limits of your current policy to insure the full appraised value of your property.
Different breeds of dogs may or may not affect your homeowners insurance. Breeds that often require a pet owner to purchase additional coverage include, but are not limited to, Akitas, Chow Chows, Dobermans and Siberian Huskies. If you have one of these breeds or another that you think might affect your homeowner’s insurance coverage, talk to your Farm Bureau agent to learn more about how your pet might affect your policy. be And if you’re just considering adding a pet to the family, take these considerations into consideration as well.
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Standard home owners or renters insurance usually does not cover earthquake damage. Earthquake coverage can be purchased additionally. And while this is especially important if you live near a fault line, consider that a large earthquake can affect far-reaching locations. Ask yourself if you can afford to rebuild or repair your home if it is damaged by an earthquake. If not, consider purchasing earthquake coverage.
Peace of mind is worth the extra money when it comes to protecting your big investment. Schedule a super check with your Farm Bureau agent today to discuss any gaps in your current homeowners insurance coverage. Your roof is what stands between your home and the elements. As a result, the age and condition of your roof can affect how much you pay for homeowners insurance. Before you buy your new home, it’s important to understand the factors that affect the longevity of your roof. Depending on its age and condition, your insurance company may require a roof inspection before approving your policy – that’s how important your roof is. Read on to find out how roofing requirements can affect your homeowners insurance premium.
The age of your roof can affect your insurance rate. The older your roof is, the more likely it is to suffer damage – and the more expensive it is to insure. The average life expectancy of a roof is between 25-50 years depending on the weather and the materials used. Depending on the age and condition of your roof, it may also be inadequate for coverage. Re-roofing your home can help lower your insurance premiums, so it’s important to tell your insurance provider if you get a new roof.
Problems with an old roof such as leaks, algae and missing or damaged shingles can present challenges, such as not qualifying for possible discounts a new roof can provide, leading to higher insurance premiums. Loose or missing shingles or damage to the material will often trap moisture in your roof or attic space. If left untreated, these wood can rot and mold, and require expensive repairs. Significant wear and tear can make your roof unbearable.
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Gable roof and hip roof are two common roof types. Their different design affects the sensitivity to damage. Hip roofs perform better during wind storms and this roof shape may offer insurance discounts in coastal areas. The more complex the shape of the roof, the more it can cost to replace due to waste factors and the labor time required during replacement.
Roofing materials are perhaps the most important factor in longevity and roof types have a large impact on home insurance rates. The following options vary greatly in price, durability, protection, durability and insurance.
If your roof is old or damaged, you may be trying to figure out if it needs to be completely replaced or if it is possible to repair the damage. Unfortunately, it is difficult to determine whether your roof needs to be repaired or replaced without the advice of a professional.
If you notice several signs of damage, it could be a sign that it’s time to invest in a new roof. A roof replacement can cost anywhere from $5,000 to $25,000, but some of that money can be recouped through lower insurance rates. Since a new roof is more likely to protect your home from damage, insurance companies are likely to offer lower rates for homes with a new roof.
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Before you go ahead with a new roof installation, talk to your Farm Bureau agent about potential discounts. They will explain how a new roof and specific materials can affect your homeowner’s insurance premium.
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