PSA: Homeowners, it is essential to carefully review the policy you sign up for regarding home insurance. This year has been one of the worst years regarding policies and exclusions. They are adding exclusions and changing your policies, hoping you will not read the fine print. This is just one of the countless times someone has been unable to make the most important part of their home safe and secure this year. Seeing it more and more.

This week, a homeowner with an Actual Cost Value (ACV) policy recently received next to nothing from her insurance provider due to the age of the roof and the policy she signed up for. As a result, she was unable to afford a new roof on her fixed social security income. Fortunately, we received donations from Hometown Supply's Brandon MacMillan and QXO's Felix Castillo, enabling us to provide her with a new roof at no cost. Notably, her insurance did not even cover the full labor costs. We extend our gratitude to Brandon MacMillan and Felix Castillo for their generosity in assisting this individual in need, and we are grateful to be in a position to help.

Make sure that your policy includes Replacement Cost Value (RCV) and does not have significant exclusions. Hail, fire, and water are primary reasons for insurance claims, and our area experiences hail and windstorms frequently, making COMPREHENSIVE COVERAGE CRUCIAL. Ask additional questions and utilize AI to analyze the policy before signing up to avoid costly mistakes. Saving $50 or $100 per month is not worth the risk of facing a $10,000+ expense for a new roof due to unforeseen exclusions. Be vigilant.