Signs That Hail Has Damaged Your Home’s Roof or Siding

Your home insurance policy will likely cover damage to your home’s roof or siding caused by hail. Unfortunately, one of the things that we at Paragon Independent Insurance Agency, serving the greater Plano, TX area, have seen is that many homeowners often do not know what the signs are that hail has damaged the siding or roof of their home. As such, they do not file a claim and do not get their house repaired. Here are a few of the key signs that hail may have damaged your home’s roof or siding. 

There Are Dents In Your Siding or Roof

If hail has damaged your roof or siding, it will likely leave dents behind. If you notice indentation marks on your roof or siding after a hail storm, you should have a professional inspect your roof and siding to see how extensive the damage is and whether repairs are needed. 

You See Cracks or Chips in Your Siding or Roofing Materials

Another sign that hail may have damaged your roofing or siding materials is that cracks or chips are present. If you see chips or cracks, you know that hail has damaged these materials. 

You Experience Water Leaks After a Hail Storm

Finally, if water leaks into your home after a hail storm, your siding or roofing has been damaged. Repairs are needed to fix the roofing or siding damage. 

Hail damage is not something that you can prevent or protect against. However, having the best home insurance policy for your needs helps to ensure you are covered if a hail storm does damage your home. If you are in the greater Plano, TX area, the team at Paragon Independent Insurance Agency can help you find the policy that best fits your needs. Reach out to us today to learn more or to request a quote. 

Six Steps to Take Immediately After a Home Disaster.

Part of owning a home is always being prepared for the unprepared. No one wants to experience a home disaster, but it can happen when you least expect it. That’s why it’s important to know what steps to take immediately following a disaster. If you find yourself in the aftermath of one in Plano, TX, follow these six steps from Paragon Independent Insurance Agency.

1. Check for injuries and call for medical help if needed.

Your home is important, but the safety and well-being of your family come first. Assess the situation, and determine if anyone needs help immediately.

2. Survey the damage and list what needs to be repaired or replaced.

It’s good to take some inventory to see what needs fixed or replaced because you’ll have a better idea of your insurance claim.

3. Ask for help

Having a reliable source for help is important because trying to do everything on your own can be overwhelming. In a time of need, contact other family members or your insurance company to get assistance. 

4. Beware of potential hazards

Many potential dangers come with a home disaster, so it’s important to be aware of your surroundings. Be cautious of loose wires, gas leaks, and damaged structural elements.

5. Start the cleaning process

The sooner you can start cleaning up, the better. Not only will this help you get your life back to normal, but it will also help prevent further damage.

6. Call your insurance company

Your insurance company will be a valuable resource during this time, so don’t hesitate to give them a call. They can help you navigate the claims process and get you the right help in Plano, TX.

If you find yourself in the aftermath of a home disaster, following these steps will help you get your life back on track. And if you’re looking for a reliable and trustworthy insurance company to help you through this difficult time, look no further than Paragon Independent Insurance Agency. We’re here every step of the way.

What value will come with a home insurance plan in Texas?

Plano, TX has continued to be an area of the country experiencing a lot of growth. This has made this part of Texas a great place to own a home. If you purchase a property when you are here, it would be a good idea to obtain the proper insurance. A home insurance plan will provide various forms of value, making it a great option. 

Coverage for Your Assets

A basic form of coverage that will always come with a home insurance plan is coverage for your assets. If you invest in a property, you will be making a significant long-term investment that you will want to have paid off. At the same time, you will also have various personal assets that you will want to cover. A home insurance plan will provide the coverage you need to protect your personal assets. 

Mitigate Personal Liability Risks

A property owner will also take on some personal liability risks by owning a home. You could be held liable for accidents that occur on your property. As this is an ongoing and unpredictable risk, having coverage to protect against it is always a good idea. If you get a home insurance policy, it will offer protection against this concern. 

If you choose to purchase a home in the Plano, TX area, it would be a great idea to get the right insurance for it. When you are going to purchase a home, Paragon Independent Insurance Agency can help you build the right insurance policy. Paragon Independent Insurance Agency will give you any guidance you need to understand your options when protecting your home. 

4 Common Risks Not Covered by Standard Home Insurance Policy

The standard home insurance policy from Paragon Independent Insurance Agency covers you against multiple risks, but it has exclusions. It’s always a good idea to familiarize yourself with home insurance exclusions to avoid frustrations when filing a claim. Here are common risks not covered by your basic home insurance policy in Plano, TX.

Floods

Floods are ubiquitous in Texas, but home insurance doesn’t cover flooding. However, this doesn’t mean you can’t protect your home against floods. You can purchase stand-alone flood insurance from the National Flood Insurance Program (NFIP) or private carriers. Flood insurance covers your building structure and its contents when floods strike.

Earthquakes

Your basic home insurance policy doesn’t cover earthquakes, landslides, and other earth movements. Like floods, you can protect your home against these risks by purchasing an earthquake insurance add-on.

Sewer backup

If your sewer lines malfunction because of wear and tear, blockage, or any other cause, your home insurance won’t cover the resultant damage from internal flooding. Fortunately, you can purchase a sewer backup add-on to protect your home.

Normal wear and tear

If your home‘s paint has started chipping away, don’t run to your insurer because this isn’t likely to be covered. You should take care of your home to avoid wear and tear.

Pet and mold infestation

You should keep your home free from pests and mold like wear and tear. Otherwise, any damage from these risks isn’t likely to be covered by home insurance. Luckily, keeping your home dry and using an exterminator can help keep pests and mold away from your home.

Not sure what’s covered and not covered by your home insurance policy? Always refer to your policy document. And if still not sure, please get in touch with Paragon Independent Insurance Agency in Plano, TX for clarification.

How often should you replace your roof?

Plano, TX area residents can turn to Paragon Independent Insurance Agency when they have any insurance-related questions. When it comes to being a responsible homeowner, taking care of your roof is job one! If you have any questions about how often you should replace your roof for your insurance, call us today.

Get the answers to your questions today!

Answering your insurance questions can almost always feel like an "it depends" scenario. There isn’t often a proper answer to general questions with all of the different available insurance policies. Fortunately, the answers to most insurance-related questions are within the policy itself.

It used to be that a roof needed to be replaced between 10 and 20 years unless it was damaged. Now, with the modern materials used for roofing, it is not unusual for a roof to last as long as the homeowner lives! This is especially true for anyone who has opted for a metal or tile roof.

One rule of thumb to go by is the manufacturer’s warranty. Or, if you want to make sure that you are protected when it comes to the expense and liability of replacing an old roof, you can go by the timeframe outlined in your homeowner’s policy. Using this schedule should ensure that you will have the protection you need if anything should go wrong with your home’s roof. 

We are here to help you with all of your insurance needs!

If you are a resident in the greater Plano, TX area, it’s time to get to know the team at Paragon Independent Insurance Agency. We are here to answer all of your insurance-related questions. Give us a call or stop by today!

How Home Insurance Works

When you are a homeowner, it’s always important to have a home insurance policy in place. These are generally required by mortgage lenders, but even when they aren’t, it’s a good idea to have one on your home. It protects you against a wide range of calamities, disasters and accidents. If you don’t have the home insurance you need, give us a call at Paragon Independent Insurance Agency in Plano, TX.

Protection for the House

The house itself needs to be protected, as it is likely your largest investment. If something serious were to happen to it, it can be prohibitively expensive to try to repair it with your own funds. Homes can sustain damage in a wide range of incidents, and your home insurance is there to pay for damage that is done by a covered incident. Your policy can even pay to rebuild your house if that becomes necessary. 

Protection for Your Possessions

Your possessions in your home are also expensive, especially when you add up the value of all of it. If a serious incident did occur and damaged or destroyed your belongings, it may be impossible to pay for everything to be repaired and replaced if you had to pay for it all yourself. That’s why having home insurance is so critical. It can pay for all of those items so that you don’t have to start over with nothing. This coverage can become necessary because of a wide range of accidents, disasters and other incidents. 

Get Your Home Protected

There are several ways that a home insurance policy protects you and your home, and all of them are important to have to protect your financial future. If you own a home and need to get a home insurance policy for it, call us at Paragon Independent Insurance Agency in Plano, TX.

Home Insurance Explained

Your home is one of the most important things you will ever own, and, with that, one of the most expensive assets you have to protect. For that reason, you should regularly review your current home insurance to make sure you are still happy with the policies and coverage. 

If you want to review home insurance right away or you are a first-time homeowner, Paragon Independent Insurance Agency in Plano, TX is here to help. 

What home insurance can cover

Home insurance policies can vary, but we list some options below that you should want to consider in terms of home insurance:

A type of liability insurance

Liability insurance is important, even if you are a renter. Liability insurance covers you in the case that you or someone in your household harms someone who steps inside your home, even in the case of an accident or if your pet is the one who harms someone. This also counts if they damage a valuable item they bring into your home, depending on the situation. 

Disaster coverage

If you live in an area at risk of fires, storms, or flooding (or even worse, all three), make sure you check that your home insurance covers any damage done to your property. This damage can cause significant financial hardship and should be included in your policy where required. 

If you want to take a look at your home insurance options as soon as possible, give our agents at Paragon Independent Insurance Agency in Plano TX a call. You can also ask for a quote via our website and we can contact you after to discuss these quotes further. 

Is Home Insurance a Worthwhile Investment?

If your home is your most precious asset, then home insurance is a worthwhile investment. A home is where you’ve spent almost, if not all, your savings. You even get to spend most of the best and memorable moments in your home. Yes, you do many things to protect your home and possessions from any loss or damages. But unfortunately, mishaps do happen, and you can do little about some risks that can cause potential damage to your home. And that’s where home insurance from Paragon Independent Insurance Agency comes in handy.

Home insurance will help you protect your investment and yourself in a variety of ways. Whether it’s a new home you are buying, or you’ve paid off the mortgage, home insurance is a must-have. Here are the reasons why home insurance is a worthwhile investment. 

It protects your assets

Your home insurance will not only cover your home structure but your assets, such as clothes, furniture, electronics, and ornaments, which don’t come cheap. A peril like fire can wipe away all your investment within a blink of an eye. However, with home insurance, the insurer will replace the loss, lessening your financial burden.

It offers liability protection 

Home insurance policy offers protection against accidental damages caused within your property to a third party. Think of how much you would spend if you got sued for damages caused or the medical bills. That’s why you need home insurance to cover such expenses.

It compensates for temporary living expenses

Imagine your home is damaged to an extent it is deemed uninhabitable. How inconvenient. But with a home insurance policy that provides additional living expenses, your headache is solved. The insurance puts you in a temporary place until the home is rebuilt or repaired.

Home insurance in Plano, TX 

Nothing beats the peace of mind that comes with having a safety net in place in case of an unfortunate event. Let home insurance be your safety net. Ready to purchase your home insurance in Plano, TX, and its environs? Please contact Paragon Independent Insurance Agency for an affordable quote.

Does My Homeowners Insurance Cover a Sewer Backup?

Homeowner’s insurance policies are designed to cover you and your home for most damage, including water damage. Water damage is covered when it is sudden and accidental; however, some damage to the house can be caused by a sewer backup. Luckily, sewer backups are considered sudden and unexpected, meaning the damage caused by the blockage is covered by your homeowner’s insurance. 

If you live in Plano, TX and wonder if your policy covers sewer backups, call the Paragon Independent Insurance Agency experts. 

Does Homeowners Insurance Cover a Sewer Backup? 

Your homeowner’s insurance policy should cover a sewer backup if you had specific sewer backup coverage included as an endorsement within the policy. This insurance coverage pays for damages associated with sump pump failures, tree roots, pipelines, and other causes related to a sewer backup. 

Top Causes of Sewer Backups

Many things can cause your sewer to back up, and when it happens, it can create a mess and damage your personal property. Some top causes for sewer backups include: 

  • Sump Pump Failures: This is the leading cause of sewer backups because the sump pump is responsible for removing and disposing of water, preventing your basement from flooding. 
  • Outdated Sewer Systems: When sewer systems get old and obsolete (40 years or older) can cause the sewer system to fail, crumble, or fall apart, causing a backup in your home. 
  • City Pipelines: Sometimes, city pipelines get flooded and backed up during storms. Additionally, city sanitary blockages can cause a backup if not detected and fixed in time. 
  • Tree Root Blockage: Tree roots are powerful and determined to get to a water source. Sometimes the roots penetrate sewer systems, which can cause a backup. 

It is very affordable to add sewer backup coverage to your homeowner’s policy in Plano, TX. Call the Paragon Independent Insurance Agency experts for more information about this additional coverage for homeowners insurance policies. 

How Home Insurance Protects You

When you own a home, it’s important to cover that home well so that your investment in it is protected.  Home insurance comes with a few different types of coverage that all work together to keep you well protected. To find out more, call us today at Paragon Independent Insurance Agency in Plano, TX. 

Covering Your Home

Part of your home insurance is coverage for the home itself. This includes every part of the dwelling and covers you for a wide variety of disasters, accidents and calamities. When there is a major incident that causes damage to your home, your policy can pay for it to be repaired or rebuilt. This is valuable coverage that protects the massive investment you have made in your home. 

Covering Liability

There are many ways that someone could be injured in your home or on your land, and home insurance covers those possibilities. When someone is injured on your property, you may be liable for their medical bills. As most of us know, medical bills can be extremely high. That makes liability coverage one of your most important types of home coverage. 

Insurance for Your Possessions

Your home itself is not the only thing that you have invested a lot of money into. All of the belongings that are in your home are also an investment that should be protected. With home insurance, you will have some protection for all of your possessions that are inside it. If an accident, disaster or other incident damages or destroys some of your belongings, your policy can help you to repair or replace them. 

Get Your Home Insurance Policy

When you own a home, home insurance is an absolute must. To get a home insurance policy of your own, call us at Paragon Independent Insurance Agency in Plano, TX.