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What Insurance Companies Don’t Want You To Know

When it comes to protecting your home, the right kind of insurance coverage is essential. However, many people don’t realize that there are certain aspects of their homeowner’s insurance that insurance companies would rather keep hidden. We at Reliable Roofing & Construction in Hattiesburg, MS are here to help demystify what most insurance companies would rather keep you from knowing.

First and foremost, the most important thing for homeowners to understand when it comes to home insurance is that not all policies are the same—in fact, some policies cover more than others. This means that even if two different homeowners buy the same policy from two different providers, they may not be getting identical coverage. It’s vital that homeowners read through their policy documents carefully so they know exactly what they’re getting with their provider.

When it comes to filing a claim with your insurer, many homeowners are unaware of the time frame within which they must file a claim in order for it to be accepted. While this varies between insurers and states, generally speaking most states will require homeowners to file claims within one year of an incident or risk losing out on coverage entirely. Additionally, some insurers may have restrictions on how often you can make claims in a given year—so while you certainly should take advantage of your coverage whenever necessary, don’t think you can game the system and rack up hundreds or even thousands of dollars worth of claims every single month!

Another area where many homeowners unknowingly find themselves without adequate protection is roof damage resulting from severe weather events such as hurricanes or tornados. While some policies may include general roof damage as part of their coverage packages, depending on your location and age/condition of your roof other policies may require additional riders to ensure coverage for these types of events. Surprisingly enough, most insurers won’t even offer hurricane or tornado riders unless specifically asked by the homeowner – so make sure you know exactly what type of events your insurer covers before a storm hits!

Lastly, while many homeowners purchase inadequate levels of liability insurance as part of their homeowner’s policy package they also tend to overlook other types of personal injury-related liabilities altogether – including dog bites! Most dog owners are responsible individuals who train and manage their dogs properly but unforeseen circumstances do occur – such as when guests visit the house – and having appropriate liability insurance can save dog owners significantly in terms of legal costs should an unfortunate incident happen.

Insurance companies typically have dozens (if not hundreds) upon pages filled with confusingly worded jargon that can be difficult for even seasoned professionals like lawyers or accountants to parse through thoroughly – let alone everyday people like you and me! At Reliable Roofing & Construction we want everyone living in Hattiesburg, MS to understand exactly what kind of coverage they get with their provider so we recommend consulting with an experienced professional who specializes in handling these types of matters prior to purchasing any type of policy. Understanding what kinds of events are covered (and equally importantly – what isn’t), how much total protection you receive relative to cost, and other key aspects can go a long way towards ensuring peace-of-mind when it comes time for any potential issues down the road!

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