This is yet another example of a coverage that indpendent agents can inform their clients and provide trusted advice. Helping insureds make informed decisions today can save them significant costs and stress when the next storm or disaster strikes. •
INDUSTRY INSIGHT
Variable Deductibles by Event Type: Some policies reserve wind and hail deductibles for named storms or specific weather events, so be sure to point out these policy differences when applicable.
Understanding the Policy: Insureds need to fully review their deductible structure and other policy details. Suggest that they get further information from the insurer if they’ re uncertain about how the policy specifically applies to tornadoes, windstorms, and hail damage.
Maintaining Roofs: Regular roof maintenance can make a big difference. Encourage insureds to keep roofs in good condition, which not only helps during storms but may also influence how claims are evaluated.
Consider Upgrades: If the insured has a roof that is aging, upgrading to hail- and wind-resistant materials that can reduce premiums and claims risk. This can be especially important in our part of the country as a risk management measure.
ADAPTING TO A NEW REALITY
The introduction of wind and hail deductibles is a response to Kansas’ unique vulnerability to severe weather events. While these changes require adaptation, they also provide an opportunity for homeowners to become more proactive in preparing for storms. With a clear understanding of their policies and smart decisions about home maintenance, Kansas homeowners can better protect their properties and wallets.
This is yet another example of a coverage that indpendent agents can inform their clients and provide trusted advice. Helping insureds make informed decisions today can save them significant costs and stress when the next storm or disaster strikes. •
COMBATING HAIL DAMAGE FRAUD
An additional challenge in Kansas is fraud related to hail damage. Unscrupulous contractors often target storm-affected areas, exaggerating or fabricating damage to profit from inflated or unnecessary claims. Help protect your insureds with these tips for claims scenarios:
Prioritize Professional Inspections: Always start with a reputable, local roofing company for an assessment before filing a claim.
Be Wary of Door-to-Door Solicitors: Trustworthy contractors won’ t pressure you or ask you to sign away rights hastily. Be sure to throughly review any agreement before signing.
Know Your Policy: Understanding your deductible and coverage will empower you to negotiate claims more effectively. can strike at any time.
Don ' t lose sleep over it. Keep your agency and client information safe from costly scams, data breaches, and cyber threats.
knowing your business is secure with Nex-Tech.
nex-tech. com / business 800-588-6649