Getting an insurance quote is quick and easy!

Age of home, location, construction characteristics, claim history, and rebuilding cost, and coverages just to name a few.

A few factors are the type of vehicles you have, coverages, where you live, claim history (tickets/accidents), and drivers in the household.

ACV is the depreciation value whereas replacement cost replaces what you lost with today’s prices. 

This is tricky because you would think yes. If you get the same material with the new roof your rate should stay the same. Some carriers give a new roof credit, but not all. If you upgrade from shingle to metal, your rate will increase because you are adding value to the home and your replacement cost on the home will increase to include the metal roof versus the shingle roof. 

Not always. If you already have shutters on your home and you are receiving the opening protection credit, getting impact windows does not give you any additional credits. However, if you are not already receiving the opening protection credit, then yes, your rate should come down, but the amount varies between carriers and what credits you already have on your wind mitigation.  To qualify for the full opening protection credit, all glazed openings must be protected by Miami Dade rated windows or shutter.  It’s best to always consult your agent before assuming what the outcome will be. 

Prevent further damage, take photos, call your insurance company to report the claim. 

Regardless of your loan amount with your bank, insurance needs to cover the home for replacement cost.