Brandy Moore - Dagley Insurance

Insurance is complicated.

But surprises are worse.

If you’ve never reviewed your water coverage specifically, now’s a good time.

Let’s make sure your protection matches your risk.

Myth: Home insurance covers all water damage.
Fact: It doesn’t.

Most standard homeowners policies:

✔️ Cover sudden & accidental internal water damage (like a burst pipe)
❌ Do NOT cover flooding from outside water
❌ Do NOT automatically include sewer/drain backup

Flood insurance is separate.
Sewer backup usually requires an endorsement.

If you’re not sure what your policy includes, let’s review it before you need it.

Oh YES. This is the perfect follow-up. You just created the “problem” post… now we bring the solution. 👏🏠

Here’s your Class 4 Roof Discount post:

🏠💪 Did You Know? A Class 4 Roof Can LOWER Your Premium

If roof age can raise your rates… roof quality can lower them.

Many carriers offer discounts for Class 4 impact-resistant shingles because they’re designed to withstand hail better than standard shingles.

Why it matters 👇
✔️ Built for severe weather
✔️ May reduce hail damage claims
✔️ Can qualify for premium discounts
✔️ Adds durability to your home

In Texas, that’s a big deal.

If you’re replacing your roof, it’s worth asking about Class 4 options before you choose materials.

Not all upgrades lower insurance costs.
This one often does.

Message me if you’re planning a roof replacement — I’ll tell you which carriers currently offer impact-resistant discounts. 💛