Storm Damage and Homeowners Insurance

Bob Wahl
Bob Wahl
Published on March 29, 2018
Storm Damage and Homeowners Insurance St. Louis

How do you keep an episode about insurance and storm damage entertaining? Not sure but I tried my best.

Ronnie McCracken, our local Farmers Insurance agent here in St. Louis, is with me today to answer questions about what you need to know about storm damage and homeowners insurance.

Spring storms start rolling around, and it’s best to check and make sure your insurance will cover you in case of any damage. If you have a larger house, roof repair and replacement can become a huge expense. Here are some tips for storm damage and homeowners insurance:

  1. Use a certified roofer, not one of those people who drives around during a storm and knocks on your door.
  2. Don’t submit a claim on your own. If you have storm damage, contact a roofer or agent first before submitting a claim to your insurance company.
  3. Check your policy before every winter and spring and make sure you have a deductible you can live with if the worst happens.
  4. Don’t try to arrange with the roofer to make the deductible “disappear.” This is against the law.
  5. Know about ACV (Actual Cash Value) vs. RCV (Replacement Cost Value). If you choose Actual Cash Value, you’re paying for what work is done and you will save a lot of money on the premium. RCV will be the cost to replace your entire roof brand new.
  6. Ask about the Marring of Metal – Every roof has gutters, down spouts, chimney caps, weather vents, and other soft metals. Many insurance companies changed their policy so the soft metals are not included on the roof policy. In this case, the roof is a standalone claim. If you do not cover the Marring of Metal, you will have to pay for it out of pocket, which can cost up to $2,000 on something like a 12,0000 ft home. Some insurance carriers include it, but it’s your job as the homeowner to call your agent and ask. Companies may have changed your policy without you knowing.


Contact Farmers Insurance: The McCracken Agency St. Louis

Telephone: (636) 345-0528

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