Washoe Valley Fire
Amazing Video of Washoe Valley Fire
Another reminder of how mother nature is not very kind. This is the second fierce fire in just a couple of months that the Reno, NV area has endured. Fire and very strong winds do not mix, we witnessed how quickly this fire destroyed several structures leaving and left several without a home.
Our thoughts and prayers go out to all of the individuals and their families that have been affected and suffered loss due to the Washoe Valley Fire on January 19, 2011. In response to this tragedy, The Henkes Welsh Agency is offering a free home evaluation to help you determine if you are insuring your home for the cost to replace it (ie. Construction cost), not its “market value.”
Once you know the proper level of coverage, consider special add-ons for valuables such as jewelry, your computer equipment and other pricey possessions. You may also need additional coverage for earthquakes, flooding or windstorms, depending on where you live.
Lending institutions usually require mortgage customers to purchase home insurance. Don’t rely on the coverage levels mandated by your bank or mortgage company. Those levels are designed to protect the house itself, but not necessarily your possessions. That’s why it’s important to check with your agent or insurance company to make sure you have adequate coverage. The Henkes Welsh Agency has agents that can help determine your needs.
Many homeowners find themselves underinsured after a loss even though they followed their agent or insurer’s recommendations. If you find yourself in this position, get educated and enforce your rights. The promise of security that insurers advertise and sell is part of the contract you paid for. It’s up to you to enforce your rights under that contract.
The Henkes Welsh Agency is qualified and authorized to advise you on properly insuring your home. The advice you’ll receive from an agent that only represents one insurance company will be different from the advice you’ll received from an “independent” agent that represents several competing companies.
Don’t rely on the purchase, appraised or estimated sale price of your home to see your dwelling limits.
Don’t be penny-wise and pound-foolish by buying the lowest priced homeowners policy.
Don’t understate the size and amenities of your home to get a lower premium quote.
Don’t underestimate your personal possessions.
Don’t be afraid to switch insurers to get a better policy.
Do sign and review your application to verify accuracy.
Last but not least, don’t wait until after a loss to get appraisals of valuables.
Contact The Henkes Welsh Agency for an evaluation of your home. Call us today at 775-786-8838 Local #, 877-431-0444 toll free # or login into our website at www.isuhw.com and send us an email under the contact us tab.
