Caballaro Agency

Got a call this week from a homeowner whose mortgage company switched their insurance without asking. New policy looked cheaper on the dec page.

Turned out the dwelling coverage was off by a real amount. Replacement cost was understated. The "savings" was a coverage cut in disguise.

If you got a mortgage notification recently about insurance changes, double-check the policy. Sometimes cheaper isn't cheaper.

Most business owners don't know they can change their group health plan outside of open enrollment.

If your renewal is coming in higher than last year, you don't have to wait. Special enrollment, plan amendments, mid-year switches. All on the table when the numbers stop working.

This is what we do for groups of 2 to 50 employees. If your last quote felt like a shrug, let's run a real comparison.

281-660-8741.

Texas hail damage is the #1 reason homes in Harris County file roof claims.

Two things most homeowners get wrong:

1. They wait too long. Most policies require you to file within 12 months of a covered loss.
2. They settle for ACV (actual cash value) instead of replacement cost. ACV pays the depreciated value. RCV pays to put the new roof on.

Read your dec page. It tells you which one you've got.