Why Liability Insurance Is Important for Your Home Insurance Plan

Houston, TX area residents who already have homeowners insurance plans may wonder whether or not they need liability insurance. For many people, liability insurance seems like a needless coverage option. However, it may be quite necessary for you and your family to prevent financial disaster. Let’s look at what liability insurance is and how it can help you.

What Is Liability Insurance?

Liability insurance refers to insurance coverage that protects your finances if you are sued by someone who is seriously injured on your property or someone who has their property damaged by you or something you inadvertently caused.

For example, if someone visiting your home was to slip and fall on your sidewalk because there was ice there, they may be able to sue you for negligence if they were seriously injured as a result. This lawsuit would claim that you should have cleaned up the ice on your sidewalk so that a slip and subsequent injury did not occur. If the plaintiff in this case (the person who slipped) wins the case, you could lose thousands of dollars that you would have to pay them in compensation for their injuries, pain, and suffering.

Contact Heydari Financial Group Today

If you are a Houston, TX area resident, Heydari Financial Group can help you get liability coverage for your homeowner’s insurance plan. As you can see, liability insurance can prevent you from having to pay thousands of dollars in compensation to people who sue you for things that are not your fault. To learn more about your options concerning liability coverage for your homeowner’s insurance policy, visit our nearest location or give us a call today. One of our agents would be happy to sit down and speak with you.

New Home Insurance Policy: What Does an Insurance Adjuster Inspect?

Congratulations! You are either shopping for a new home in the Houston, TX area or are looking for information on home insurance. Before your mortgage will finalize, you’ll need a new home insurance policy from Heydari Financial Group. The agent will likely have an adjuster visit the house before they agree to sell you the policy. What will they be looking for?

Is the Home Secure?

The adjuster will verify that all the locks on the entry doors and windows are in good working order. They might check that fences have a good latch and that the garage door is able to fully close. They may require that you or the seller fix any missing locks. You want your possessions protected against theft.

Is the Exterior in Good Shape?

They will take pictures of the home and document the age of the roofing material, check the chimney for wear, and test the siding. If the home has missing clapboards or has peeling paint, it is possible that the insurer will want those maintenance issues addressed as soon as possible. It may turn out that the peeling paint contains lead and will require abatement.

Are there any Health Hazards?

Inside the home, the technician will check the basement and attic for signs of mold, water damage, or pests. A lingering damp spot may indicate a problem with the roof structure. Mouse droppings could tell you that there is an infestation. 

These steps are taken to ensure that you are buying a property in good repair that does not pose an immediate hazard to your family or the neighborhood. Once the inspection is complete by Heydari Financial Group, you should be able to move forward with the purchase of your Houston, TX home.

Contact our agents at Heydari Financial Group for quotes on your insurance needs. We can also help you make the decisions that will guide you to the perfect plan.

Maintaining Your Roof: Damage Signs You Shouldn’t Ignore

Roof repair and maintenance is one of the many responsibilities of home ownership. Even new roofs can become damaged due to weather conditions and branches, so just because your roof has been replaced recently, it is still important to regularly check for damage. Heydari Financial Group in Houston, TX understands the damage that an unmaintained roof can cost a homeowner. To make sure your roof is leak and damage free look for the major signs of roof damage below that should never be ignored.

Loose, Missing, or Damaged Shingles

It is a good practice to check the shingles on your roof regularly. Shingles can become broken and warped from storms or variations in temperatures. Any damaged shingles should be replaced immediately by a proper roofing specialist to prevent water from coming into the home.

Higher Than Normal Utility Bills

If the weather is relatively normal for the season, but you notice your heat or air conditioning bill is abnormally high, it may be a sign that there is a problem with your roof. Your roof is meant to insulate your home from the weather changes, if your utility bills are high, it could indicate that the insulation in your roof is poor.

Sagging in the Roof

Any bowing or bulging areas on the ceiling of your home should be investigated immediately. This usually means that there is a considerable amount of water built up in your ceiling that has snuck through cracks or loose shingles in your roof.  

Leaking in the Home

Even a small leak from the ceiling in your home can be a signal that there is water leaking into your roof. Ignoring these problems for too long can lead to a significant amount of water damage as well as encourage the growth of mold and mildew in the home.

If you want more information on how to protect your roof or need a quote on a home insurance policy, contact one of the experienced agents at Heydari Financial Group in Houston, TX today.