This might be the toughest question I have to answer when it comes to insuring a home. Why? Because the reality is that at the time you start a policy, unless you just built the home, you really have no definite way of knowing this number. So here is my take; When in doubt always make sure you feel comfortable. Here are some things to do;
1. As an agent I use any public data I can get my hands on. This is combined with what you tell me then I input it into the company provided home replacement cost estimator. Out comes your homes replacement cost and per company policy you have to have this as your minimum level of coverage.
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But what will it cost to rebuild your home?
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Is just not that easy. Maybe there is to much on my to do list, maybe I need to use my assistant better maybe I need to delegate more maybe I am too ambitious(no such thing) maybe I am to slow maybe I need better priorities maybe I am just complaining.
Unlike an automated message every call, e-mail, tweet Facebook message and beyond means something. Every interaction feels good, even the annoying ones, even the ones that do not earn money because the interactions and relationships are the only currency whose value exceeds “money.” Leading with the intention of doing good and talking to people and sharing people and getting beyond the transaction is what gets me up and keeps me up. How about you?
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Getting things done and some phone etiquette
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This comes from personal experience of course. Two years ago, during the midst of a winter way worse then this my home had an ice dam. Here is a link to some great tips on helping prevent them, bye bye ice dam ?
Basically it is times like this, cold weather then warmer weather then more snow then some rain that are prime conditions for ice dams developing. Now although my claims experience was very good having the wall and ceiling of your kitchen opened up is not fun. Not being able to find the exact cause of where it comes in from is not fun. Crawling on a roof in the winter is definitely not fun or safe. So what can you do?
I will admit two things;
1.I thoroughly enjoy advertising insurance companies do
2. I am generally disgusted by the advertising insurance companies do
So last week, like any other week, you and I get multiple pieces of insurance related advertising in our mail. You were also subject to countless radio and t.v. ads. Combine this with the multiple times you saw an ad while on the internet and it is practically inconceivable. How much advertising do you really need to do?