Author: agentinsure

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

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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.

Will Auto Insurance Cover Hit And Runs?

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As you shop for auto insurance in the Woodlands, Sugar Land, or even Houston, TX, it’s important to look to see if you are covered against the various scenarios such as hit and runs. With the help of the agents at Heydari Financial Group, we will see to it that you have the coverage you need.

Basic Auto Insurance

Basic auto insurance is what the state requires. When you live in Houston, TX or the surrounding areas, you have to adhere to Texas standards for bodily injury and property damage liability. Once you have met the minimum levels, you can choose to go above and beyond in your auto insurance coverage.

It’s a good idea to add comprehensive and collision coverage so that you are protected against other scenarios. Otherwise, you could end up getting into an accident and have to spend money out-of-pocket because you don’t have the necessary coverage on your policy.

Uninsured Motorist Coverage

Hit and runs occur when a person fails to stop after causing damage. If the person “runs,” you have no way of finding out who they are insured with to file a claim. However, if you have uninsured motorist coverage on your policy, you are automatically covered against hit and run. It makes the assumption that the person had no insurance and therefore it allows you to get the repairs done to your vehicle without having a significant amount of money spent out of pocket.

If you come out of a store and find out your car was hit or if you get rear-ended and the person continues speeding down the road, these all count as hit and runs. You should have the necessary coverage to be financially protected against such things.

Contact us at Heydari Financial Group today to learn more about getting auto insurance that provides you with the sufficient coverage you need on the roads. Also, try our online rating tool for quotes on auto and home insurance.

 

Are There Specific Commercial Insurance Points For Livestock?

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When you are in the market to purchase commercial insurance, Heydari Financial Group in Houston, TX is a great contender for your business as well as your respect. Commercial insurance products are complex and cannot be purchased without serious consideration.   

Livestock is a commodity well known to the Houston, TX area. This is a complex line of commercial insurance which includes many aspects of coverage.

There is a specific point of coverage that protects owners of livestock against falling market prices in the state of Texas and in many other states where animal farming is prevalent, Livestock Risk Protection Insurance. The USDA, United States Department of Agriculture, offers a risk management assessment tool for owners of livestock to calculate how much protection is needed.  

Livestock Insurance is Detailed

The policies are actually divided into types of livestock for the producers of animal products since the nuances of different animals and how they feed, how they are contained, and basically how they are handled in every aspect on the farm varied widely. As a result of these vast differences, the commercial insurance lines must also vary widely in order to protect the producer in a comprehensive manner.

Livestock Gross Margin Insurance is an insurance coverage which protects against loss of gross margins associated with the animals ( the market value is deducted from the cost of feeding the animal). Each kind of product has its own insurance category including Livestock Gross Margin Dairy and Livestock Gross Margin Swine Insurance. 

Heydari Financial Group, serving the Houston, TX and the surrounding areas, have agents who are well-versed in commercial insurance underwriting. Give them a call today or stop by the office to find out how they can help with all of your commercial insurance needs. 

Maintaining Your Roof: Damage Signs You Shouldn’t Ignore

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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.