homeowners insurance

August 6, 2018

2017 was a bad year for flooding. According to NOAA’s National Centers for Environmental Information (NCEI), during 2017 the United States experienced a historic year for flood and storm events, including 16 separate billion-dollar disaster events including three tropical cyclones, eight severe storms and two inland floods. The potential for flooding has never been higher since 2011’s historic flooding season. This year could be worse. To get ahead of potentially devastating floods, some homeowners are taking robust actions to protect […]

February 27, 2017

As the weather gets increasingly more intense, the risk of damage to your home because of a natural disaster increases. As a homeowner, navigating the tricky and often time-consuming process of negotiating with your insurance company and contractors can be frustrating. That’s why Shamrock Roofing Restoration Services has distilled our process down to seven simple steps to make your home repair as simple as possible. All Shamrock Roofing services are available 24 hours a […]

January 4, 2016

Home damage and repair is never a cost we want to incur, however sometimes these costs cannot be avoided. And if you think you are covered under a standard homeowners insurance policy, you might want to think again. Here are four things that are surprisingly not covered by most standard homeowners insurance policies. Earthquakes Most basic homeowners insurance policies cover fire, wind, hail, theft, and lightning damages. However, they do not cover damages associated […]

November 9, 2015

Disaster plans are not always top of mind for most homeowners until there is a threat of a natural disaster occurrence. And although your area may be less prone to a natural disaster, it is always good to be prepared with a plan. When creating your disaster plan, whether it be for a hurricane, tornado, or flood, you should always store away important documents in a safe place. Protect Your Important Papers and Documents […]

September 14, 2015

Floods are the most common natural disaster in the United States. And whether you live in a high-risk area or a moderate to low risk area, you are susceptible to experiencing flooding some point in your lifetime. Within the past five years, all 50 states experienced floods and flash floods. And if you think you’re covered with homeowners’ insurance, think again, because homeowners’ insurance does not cover flood damages. Floods vs Flash Floods The […]

December 22, 2014

Lowering monthly expenses is always a homeowner’s top priority. After watching your water consumption and turning off all the lights, consider reviewing your homeowner’s insurance to not only find savings but an added sense of financial balance. Your instincts might tell you to raise the deductible to lower your annual premium. But with the average homeowner’s deductible around $500, you have to know if you can readily absorb a cost any higher than that. […]