Candace Boudreau - Rolland Insurance Solutions

🏡 TOPIC TUESDAY

Roof Age Matters More Than You Think.

Your roof is 15 years old.
A hailstorm hits.
Replacement cost = $20,000.

With Replacement Cost coverage, insurance pays the $20,000 (minus your deductible).

With Actual Cash Value or a Limited Roof Schedule, depreciation is applied.

That same roof might only pay out $8,000–$12,000.

You’re responsible for the rest.

Many carriers reduce roof coverage once it hits 10–15 years old.

The good news? Some of the carriers I work with still offer full replacement cost options.

Do you know how your roof is covered? Let’s review it.

🛠 Fact Friday

What is Inland Marine Coverage?

Despite the name, it has nothing to do with boats.

Inland Marine covers tools, equipment, and business property that travel with you, or are stored away from your main business location.

That includes:
• Equipment at a job site
• Tools locked in your truck
• A parked trailer used for storage

If your trailer gets stolen or tools disappear overnight, your general liability policy typically does NOT cover that.

Contractors, landscapers, and small business owners often need this and don’t realize it.

Not sure if your equipment is protected? Send me your policy and I’ll take a look.

Opening Day is here and it’s time to knock your insurance coverage out of the park. ⚾🔥

Don’t settle for strikeouts when it comes to protecting what matters most. If you’re not 100% confident in your coverage or pricing, it’s time for a second look. I make sure you’re getting the best value without sacrificing proper protection, whether it’s for your business, rental properties, home, or auto.

Call or email me today for a free coverage review, and let’s make sure you’re stepping up to the plate with confidence.

Let’s make this season a home run.

Happy Opening Day!

☂️ Fact Friday

Umbrella Policies Aren’t Just for the Wealthy.

An umbrella policy provides extra liability coverage over your home, auto, or business policies.

Serious accidents can exceed standard policy limits faster than most people realize.

Umbrella coverage is often surprisingly affordable and sometimes less than what people spend on coffee each month.

If you own a home, own a business, have assets to protect, or have teenage drivers, this is absolutely worth reviewing.

Not sure if your liability limits are strong enough? Let’s take a look.

🏡 Fact Friday

Did you know…?

If the water, sewer, or electrical line running from the street to your house breaks, you’re usually responsible for the repair.

And here’s the part most homeowners don’t realize:
Standard homeowners policies typically do NOT cover underground service lines unless you’ve added the endorsement.

Tree roots. Ground shifting. Aging pipes.
Repairs can cost thousands.

Service Line coverage is usually inexpensive to add, but without it, that repair bill is yours.

Not sure if you have this coverage? I’m happy to review your policy for you even if I’m not your current agent.

And if this made you think of another homeowner, feel free to share it with them. 👋