Plain answers to the questions that come up most, for Tennessee and Florida. No jargon, no sales pitch.
A non-renewal notice is not an emergency yet, but the deadline is the whole game. Here is the order to work in: read the notice, get the inspections, shop the private market, and never let coverage lapse.
Read the postIn Florida the insurance can decide the house. Price it during your inspection period, while you can still renegotiate or walk. What drives the number and how to budget for the full picture.
Read the postAbout 18 to 22 years for shingles in this climate, not the 30 on the wrapper. Here is how roof age quietly changes what your policy pays, and why year 15 is the moment to review it.
Read the postNo, and it catches people every spring. Water that comes down is usually covered, water that rises off the ground is not. Here is where the line falls and what it costs to close the gap.
Read the postCall me and I will walk you through it, quote or no quote.