Posted by John Coyle on Sun, Jun 14, 2009
You may be paying higher homeowners insurance premiums than you need for the amount of coverage you have. Why? Because insurance companies that offer homeowner's coverage vary in what types of risks they want to write over the course of time. For instance, if they have over-saturated the home owner's market in one region, they may raise rates to balance the amount of exposure they have undertaken.
Are you paying too much?
If you have been with the same company for several years, we will help you discover how your rates compare with the rates of other reputable companies.
A New Study Shows That Texans Pay Higher Homeowner's Insurance Premiums Than Other States
The National Association of Insurance Commissioners released a study in March 2009 showing that the average annual homeowner's insurance premium in Texas, $1409 per year, is considerably higher than the national average of $804. Being a coastal state explains some of the reason that Texans pay more for insurance. However, many companies use factors such as credit scoring or claims history to calculate premium.
Are your rates climbing annually? Are you paying too much?
Some Insurance Companies Offer Less Coverage For The Same Amount of Premium
Since the Texas mold crisis a few years ago, many insurance companies are no longer offering an “all peril” policy for homeowners. This type of policy gives the broadest insurance coverage to homeowners. Some companies offer this policy, also called an HOB, because it gives homeowners coverage from all perils except ones specifically excluded, such as flood, nuclear war or hurricanes. Others offer “named peril” policies (called either an HOA or a broader form of it called an HOA+) that insure against losses from specific incidents, such as lightning, fire, explosion and so on. While the “named peril” policy may save you money, you are also losing a great deal of coverage.
Do you have an HOB policy? Are you paying too much premium for too little coverage?
Do You Have An Insurance Agent Working For You?
Many individuals purchase their insurance through an agent that works for a primary company, such as State Farm, Farmer’s Insurance or All-State. These companies agencies typically can only offer you a small choice of products and are by contract unable to consider other alternatives from different carriers.
At TriStar, we are independent agents that work for you, the consumer. An independent agent sells insurance for more than one company. We are licensed to sell homeowners policies from a wide variety of companies with several types of policies.
How Does That Help You???
We save you the time and hassle of shopping around from company to company.
Here’s what we promise to you:
- We will shop the policy for you.
- We will find the best policy with a premium that fits your budget.
- We will write the policy and handle all the paperwork. All you do is sign.
Are you paying too much for insurance? Do you have time to peruse the insurance market to know?
Contact John Coyle at jcoyle@tristarins.com or call 214-387-0600 and let us at Tri-Star help you find a better solution for your insurance.
Posted by John Coyle on Sun, Jun 14, 2009
The first tropical depression of 2009 occurred in the Atlantic on May 29 and finally dissipated before hitting land. Yes, folks, hurricane season has arrived and it is time to be sure your homeowners insurance is adequate. Memories of Hurricanes Ike and Dolly from the 2008 season are vivid reminders to Texas homeowners of the importance of being properly insured.
Do you have enough insurance coverage?
How Much Home Insurance Coverage Do I Need?
You will want to be sure that you have a replacement cost policy with dwelling limits high enough to rebuild your home in the event of a total loss.
In other words, if you have a custom home, you may want to figure about $125 per square foot of your home to determine replacement cost. If your home is not a custom-built home, use $90 per square foot to calculate.
For instance, let’s say you have a custom-built home with 2500 square feet. You will want to purchase at least $312,500 dwelling coverage.
2,500 square feet x $125 = $312,500
This is an approximation based on average homebuilding prices, but we can get you an accurate figure right now. Just fill in the form below and we’ll calculate replacement cost and how much you can expect to pay for your insurance.
Why Is Replacement Cost So Much Higher Than My Appraisal?
Replacement cost is figured based upon the features of your home. Insurance companies use square footage, special amenities, your location, number of baths and half baths, type of exterior and other factors to help determine replacement cost. They want you to have enough insurance coverage to completely rebuild your home if destroyed. Otherwise, you may have to come out of pocket or downgrade custom features when replacing your home.
Do you have enough home insurance to fully replace the interior and exterior features?
Do You Have Any Tips To Help Dallas/Fort Worth Homeowners Prepare For The 2009 Hurricane Season?
Absolutely. Homeowners can begin making preparations now. Here are "7 Tips To Get Ready For The Hurricane Season Even If You Don't Live On The Coast!"
Tip one: The Federal Emergency Management Agency (FEMA) recommends that every home have a National Oceanic Atmospheric Association (NOAA) weather radio receiver. For best results, purchase one with Specific Area Message Encoding (SAME) technology that will activate both an audible and/or visual alarm when the National Weather Service issues watches and warnings. Receivers should also have “tone alert capability, battery back-up and ability to receive all seven frequencies, according to the NWS.
You can purchase a NOAA weather radio at stores that sell electronics.
Tip two: Plan an emergency escape route ahead of time. Determine your final destination and map out two or three ways of getting there in order to avoid traffic jams.
Tip three: Put together a disaster supply kit. You can find a list at this website.
Tip four: Get your kids involved in the preparations. Children love to help. And if that isn’t reason enough, remember that helping develops confidence and security in kids during a time when they need extra assurance that everything will be okay.
Tip five: Individuals with special needs should make extra arrangements that will give them the extra support needed to be safe. Knowing about public disaster assistance ahead of time may prevent unwelcome surprises during a crisis.
Tip six: Make a plan for your pet. In order to leave a pet at a kennel, their shots must be up-to-date. Kennels may require proof that the animal is fully vaccinated before accepting them. Also, be sure to get an appropriate crate to transport the pet safely.
TIP SEVEN: Keep all your current insurance declarations pages in a folder together in a handy place. We recommend you keep them in a waterproof container while transporting for extra safety.
For more information contact John Coyle at jcoyle@tristarins.com or call 214-387-0600.
Posted by John Coyle on Sun, Jun 14, 2009
Yes, it’s true. Flood is not a covered peril even if you have an “all perils” (or HOB) homeowner’s policy. In order to be covered from floodwaters, you must purchase a separate flood policy written through the National Flood Insurance Program (NFIP).
Many homeowners believe that if they do not live in a flood zone they don’t need flood insurance. However, in 2008, one-third of all NFIP claims paid out went to homeowners in low-risk communities.
Texas Preferred Flood Insurance Is Inexpensive
If you currently live in a low or moderate flood zone (B, C or X), your flood insurance rates are very affordable. The NFIP offers rate packages that you may purchase to protect your home and contents.
|
Building Coverage
$ 30,000
$ 50,000
$ 75,000
$ 100,000
$ 125,000
$ 150,000
$ 200,000
$ 250,000
|
Contents Coverage
$ 12,000
$ 20,000
$ 30,000
$ 40,000
$ 50,000
$ 60,000
$ 80,000
$ 100,000
|
Premium
$ 148,000
$ 196,000
$ 230,000
$ 257,000
$ 277,000
$ 296,000
$ 326,000
$ 348,000
|
f you are renting or if you live in a condominium or town home, you may purchase a contents only policy that runs from $80.00 for $12,000 of coverage up to $201.00 for $100,000 coverage per year. Contact our agents right now for a free quote.
Texas Flood Insurance Costs Less Than A Federal Disaster Loan
Uninsured individuals that suffer water damage from flooding may be forced to take out a loan in order to pay for the destruction to their property. The Federal Emergency Management Agency (FEMA) gives assistance to uninsured homeowners through the purchase of a Small Business Administration loan. This is typically a loan that must be paid back with interest. *For a $50,000 loan at 4% interest, your monthly payment would be around $240 a month ($2,880 a year) for 30 years. Compare that to a $100,000 flood insurance premium, which is about $400 a year ($33 a month).
A Texas Flooding Loss is More Probable Than a Fire Loss
Yes, it’s true. *According to the NFIP, during a thirty-year mortgage, your chances of having flood damage are about 26% compared to a 9% chance of having a fire. In fact, Texas has a long history of surviving major disasters. Since 2000, four hurricanes impacted Texans along with two tropical storms. During this same time, FEMA made eight other major disaster declarations. Flooding occurred in six of those eight severe storms. Altogether, it took more than $3,181,000,000 in disaster assistance to help pay for the damages sustained in only eight years’ time.
You May Pay for a Flood Insurance Policy and Not Be Insured When a Storm Hits
How can that be? Unlike most other lines of insurance business, a flood insurance policy does not go into effect for thirty days following its purchase. That means that by the time a storm is in the Atlantic Ocean and on it’s way toward the United States, it’s already too late for Texans to be insured when it makes landfall. The only exception is when purchasing a home. Your flood insurance goes into effect immediately when you pay your annual premium at your home closing.
Our Agents Keep Homeowners Afloat
When rising water comes your way, your flood policy will keep you financially afloat. Get yours today. Contact John Coyle at jcoyle@tristarins.com or call 214-387-0600.
Posted by John Coyle on Tue, Mar 31, 2009
After the Rain has Fallen: Flood Damage Solutions
Not a force to be reckoned with, floods occur in every state, regardless of the elevation level. In fact, 25% of all floods occur outside of high-risk areas that are not considered flood prone. That being said, many people find out too late that their home is in danger of flooding and end up paying thousands in costly repairs. Flood or water damage comes in the form of soggy floors, rotting wood, rusting metal, mold, mildew and more. An unfortunate truth is that your homeowner’s insurance policy does not and never will cover flood loss to your home and contents. You can however, take out a flood insurance policy that will cover the cost of repairs, belongings and cleanup. Tri-Star Insurance Professionals Inc. located in North Plano and servicing the North Dallas, Frisco, McKinney, Allen and surrounding areas, offers Texas flood insurance policies to renters and homeowners. Tri-Star flood policies protect you and your loved ones from flood damage caused by overflowing tidal waters, surface water accumulation and river overflows.
Flood-Zone.net is a leading website dedicated to providing accurate flood facts and tips that will keep you one step ahead of a storm. If ever you are the unfortunate victim of a flood there are many post flood steps you can take to ensure that your home suffers as little damage as possible.
Tread Carefully: If your home is still full of standing water after a flood, watch your steps as you enter. Wearing rubber boots will save your feet from sharp objects such as broken glass. Turn off the electricity at the breaker box and move electrical cords to higher ground.
Toss Out: Cleanup begins by getting rid of permanently water-damaged goods such as rugs, photographs, food, books and mattresses. Items that absorb water may be prone to mold infestation and need to be disposed of properly. The Environmental Protection Agency (EPA) suggests turning to professionals for hazardous waste disposal.
Dehumidify Dry: Standing water can be removed using a portable submersible sump pump and a wet dry vacuum. After eliminating most of the water, a low temperature dehumidifier can be used to dry floors and walls. Open windows for ventilation and to deter the growth of mold spores.
Do-it-yourself cleanup is smart, but taking out a flood insurance policy is smarter because it will cover professional repair and cleaning leaving no room for problems down the road. Even if you already hold a flood insurance policy in Texas or are looking for one that will fit your budget, Tri-Star can help you find a policy that won’t break the bank. As an independent insurance agency, Tri-Star Insurance can represent other top companies such as Travelers, Germania, Safeco, and Kemper when looking for the most competitive rate.
For more information Contact John Coyle at jcoyle@tristarins.com or call 214-387-0600.
Posted by John Coyle on Mon, Mar 16, 2009
Flood insurance. Those two little words may mean nothing to you now, but consider this: according to the Federal Emergency Management Agency (FEMA), 25% of flood insurance claims hail from areas that are not labeled as flood zones and result in over a billion dollars of property damage each year. In response to the soaring cost of taxpayer funded disaster relief for flood victims, Congress created the National Flood Insurance Program (NFIP) to develop flood management plans and underwrite insurance policies.
As homeowners’ insurance policies do not cover damages resulting from flood waters, federal flood insurance is the only coverage that protects your property and belongings from damage caused by rising water due to flooding. So even if there is only the slightest possibility of flooding in your area, having adequate insurance can offset the high cost of repairing water damage in your home or business, because not all water damage resulting from a flood occurs in flood zones. Tri-Star Insurance Professionals, Inc. located in North Plano and servicing North Dallas, Frisco, McKinney, Allen and surrounding areas, knows what you need to keep your property high and dry.
To offset the cost of abundant water damage claims, FEMA mandates that any homeowner with a government-backed mortgage such as an FHA or VA loan must carry flood insurance in a high-risk zone. So that means that people with homes or businesses that are situated on flood zones are required to purchase flood insurance policies. Obviously, if you own a home or business in Texas and do not currently pay for flood insurance you are not considered “high-risk”, but that doesn’t mean you are out of the water.
If you are uncertain whether or not you reside on a flood zone, there are many easy ways to find out. Flood-Zone.net is a great website to quickly determine your flood risk and learn interesting facts about floods such as:
- Floods are world’s the most common natural disaster
- Floods do not just occur near bodies of water such as lakes, ponds or oceans
- Flash floods cause more fatalities in the US than any other natural disaster
- Floods can and do happen in areas previously considered out of reach
- Roughly one in four flood disasters occur in areas with a low to moderate flooding risk
Generally, flood insurance policies are affordable, especially for those not living in a designated flood zone. Tri-Star Insurance can not only help you purchase a reasonably priced flood insurance policy, but can help you save a bundle on your other policies as well. Tri-Star is an independent insurance agency, which means they have the ability to represent companies such as Safeco, Kemper, Hartford and Travelers to find you the best price. With Tri-Star, you have a choice.
If you want to learn more about federal flood insurance policies contact Roger Harkins of Tri-Star Insurance today at 214-387-0600 or visit them on the web at www.tristarins.com. Give yourself peace of mind by knowing your home and business will be covered in the event of a flash flood or heavy rains.
Posted by John Coyle on Thu, Mar 12, 2009
As the cost of living is on the rise, people are actively looking for ways to save money. Many people start by lessening their daily consumption of delicious, though non-essential, coffee drinks from high-end beverage shops such as Starbucks or Seattle’s Best. Belt-tightening tips such as dining out less, staying in on weekends and taking the local DART transit system to work are all viable ways to save a few bucks each month. Some people even go as far as drawing up a budget in order to keep tabs on where their money goes.
Tri Star Insurance Professionals, Inc., which services North Texas and the surrounding areas of McKinney, Allen, Plano and Frisco, knows the value of every dollar and will gladly help you find an insurance policy that will keep you in the green. Insurance studies show that more than 70 percent of homeowners bundle their home and auto insurance policies under one provider. Tri Star Insurance can be your one source for all insurance as they offer a range of bundle packages.
The advantage that Tri Star has over big name insurance companies such as State Farm and Farmers is their status as an independent insurance agency. As a member of the Independent Insurance Agents of Texas organization, Tri Star has the ability to represent many other independent companies such as Travelers, Hartford and Germania to find the most competitive price.
Even in an atmosphere saturated with money saving tips frequently shown on radio and television, some people still do things in the name of saving that may cost them in the long run. The biggest money saving mistake that people make is lowering the coverage limit on their insurance policy in order to pay a lower premium. By taking this drastic step you will end up paying less for your policy, but you run the risk of paying outrageous out-of-pocket expenses if you do not have ample coverage. If your scheme of saving money by changing your insurance coverage now sounds less appealing, all is not lost. By bundling your insurance coverages in Texas under one provider, you will not only save money, but time as well.
In addition to personal insurance savings, bundling your insurance policy is a smart move from a business standpoint because commercial insurance is essential for your company. Productivity counts a lot in the business world, so why spend precious time calling four different insurance carriers for each business insurance policy you hold? Tri Star carries a full line of commercial insurance policies that will keep you covered such as auto, general liability, property and worker’s compensation.
Just like combining phone, Internet and cable services into one-package saves you a bundle, purchasing your insurance from one provider can too. Tri Star carries a wide selection of both personal and commercial insurance policies. To learn more about how bundling your insurance in Texas saves you money, pick up the phone and call 214-387-0600 to speak to John Coyle or Roger Harkins at Tri Star Insurance Professionals, Inc. For more information about Tri Star’s products and services visit www.tristarins.com today.
Posted by Roger Harkins on Thu, Mar 05, 2009
Spring in Texas is known nationwide for warm temperatures, fragrant blooms and severe weather. Located smack dab in the middle of Tornado Alley, Texas is the prime location for tornadoes and violent thunderstorms to enact revenge upon your property, whether it be your home, automobile or business. Texas storms have the potential for high winds, hail and flooding rains. If you are affected by spring storms in the Dallas area, there are several steps you can take to ensure that you don’t come out worse for wear.
Stay Informed: Texas storms are famous for popping up out of the blue. The Texas Severe Storms Association works hard to understand dangerous storms so that meteorologists can better predict and track inclement weather. With their help, weather centers in Texas can keep you in the know. The National Weather Service is the best place to find current weather information for all fifty states. Even your local radio or news station will have current weather updates and can offer you assistance through their call-in helplines.
Secure your property: Storm windows, clear gutters and a mess free yard are just a few of the things that may keep you safe during a storm. Trimming back tree branches and bushes can reduce the potential for broken windows and downed power lines. Placing a tarp over your vehicle should help to eliminate or cut down on hail damage.
Contact your insurance company: Before you get caught in a storm, call your insurance agent to make sure you are fully covered. There is no price you can put on your family’s safety, but if you are worried that you will end up paying too much for proper coverage, let Tri Star Insurance Professionals, Inc. of North Dallas, Allen and Frisco show you otherwise. Tri Star carries a wide selection of products such as homeowners insurance and flood insurance intended to keep you covered if you have or may end up suffering from severe storm damage. Tri Star also offers a wide selection of insurance products including auto, business, renters, flood, condo, individual and group health insurance, and personal and group life insurance.
As sticklers for excellent customer service, Tri Star will help you find a policy that fits your needs and your budget. Tri-Star Insurance has the ability to offer you an affordable price due to their status as an independent insurance agency. Independent agents have the ability to represent other companies such as Travelers, Kemper, Hartford, Safeco and Germania to find you the most competitive rate available. With Tri Star Insurance, you have a choice.
Don’t let bad weather get the best of you by contacting Tri Star Insurance Professionals, Inc. before it’s too late. Tri-Star has weathered many storms with their clients throughout the years and will be here if you need them before and after the rain has fallen. Pick up the phone and call 214-387-0600 to speak to an agent or go online and visit www.tristarins.com today! Fill out and submit the form below for more information.
Posted by John Coyle on Thu, Feb 26, 2009
According to the Texas Workforce Commission, the Texas unemployment rate has risen to 6.0 percent in the last few months, with the overall U.S. average hitting 7.2 percent. The U.S. Bureau of Labor Statistics shows that forty-eight states have registered over-the-year increases in average weekly layoff claims.
Though the unemployment rate of 6.0 percent is lower than a number of cities around the nation, many workers in Texas are still feeling the hurt. If you’ve lost your job due to a layoff or company downsizing you are probably looking for ways to save money. You can start by skipping the Starbucks in the morning or eating at home versus going-out. You may even have to postpone that trip to Hawaii this year and put your money to a better use. Changing little things like that here or there won’t radically affect your lifestyle, but make sure not to do anything drastic. One of the worst things you can do is pare down your insurance policy just to save a few bucks.
After losing your job, your newly acquired frugal state of mind may lead you to ask yourself “Do I really need so much homeowners coverage?” or “Would it really be such a big deal if I had less health insurance, it’s not like I’m sick right now.” It may be tempting to lessen your policy, but insurance is something that cannot be taken lightly as it may just save you thousands of dollars in the event if a disaster.
If saving as much money as possible has become a necessity and you feel strongly about obtaining a new, more affordable insurance policy, turn to a truly Texas agency. Tri Star Insurance Professionals, Inc. servicing the North Dallas, Frisco, McKinney, Allen and surrounding areas, is familiar with the Texas economy and can find you a policy or a bundle of policies that won’t break the bank.
Tri-Star Insurance carries a wide range of products including auto, home, renters, flood, condo, individual and group health insurance, personal and group life insurance policies, and all areas of business insurance. Not only is Tri Star native to Texas, but also a proud member of the Independent Insurance Agents of Texas, which is an organization for the state’s leading independent insurance agencies.
The difference between an independent insurance agency and a captive agency such as Nationwide, Allstate or State Farm is that captive agents can only provide you with the rates offered by their company. Independent agents can represent multiple companies such as Germania, Kemper, Hartford, Travelers and more to find you the most competative rate.
When money is tight, don’t let having ample insurance become a thing of the past. If you’ve lost your job and need to reevaluate your current insurance policy, let the dedicated team at Tri-Star Insurance work hard to find you an affordable insurance policy that covers all your bases. Contact Tri-Star Insurance Professionals, Inc. today at 214-387-0600 or visit www.tristarins.com. Fill out and submit the form below for more information.
Posted by Roger Harkins on Mon, Dec 22, 2008
In a world of countless insurance agencies, it's a rare find to discover one that truly cares about its customers. Tri-Star Insurance Professionals, Inc., which serves the Plano, Frisco, and North Dallas area, employs a team of agents with over 70 years of combined insurance experience. John Coyle, commercial line manager for Tri-Star, is familiar with all types of coverage including personal and business insurance. With over twenty years of experience in the insurance industry, he strives to provide each one of his clients with exceptional customer service to ensure that they receive proper coverage at the lowest price.
“More Coverage for Less Money". I want people to feel secure about being covered in the event of an accident, but without having to pay an arm and a leg,” says Coyle.
As an independent insurance agency, Tri-Star differs from a traditional captive agency in that they can shop many companies to find you the best rates.Tri-Star represents several of the top insurance companies including Hartford, Travelers, America First, Utica & Philadelphia and many others. The traditional captive agencies like State Farm, Farmers & Allstate only represent their one company. If their company has a rate change, they can not move you to another company to who might have lower rates and a better coverage. Tri-Star agents do all the dirty work by researching low-cost insurance plans to ensure that you get quality coverage at a fair price.
Starting out as a captive agent, John Coyle soon realized he was at a disadvantage when he couldn’t fit the needs of all his clients. After many years of turning people away because he did not have the means to help them, John decided to work as a Independent Agent. He made the move to Tri-Star in 2007 and has never looked back.
“There are many advantages to working at Tri-Star such as having the ability to offer choices. Giving people a choice is the key to a successful client relationship,” says Coyle.
Tri-Star is a member of the IIAT (Independent Insurance Agents of Texas) and has been deemed a “trusted choice” agency. Trusted choice agents must uphold the following principles:
- Have strong customer and community ties
- Provide excellent service
- Thoroughly assist in the event of a claim
- Act as a consultant on all aspects of insurance
- Offer a choice of insurance plans at the best combination of price
- Periodically review coverage
John Coyle has met those requirements to the tee, and in the case of a local "Piano Retailer", has gone above and beyond. After reviewing the company insurance policy, John noticed that coverage was placed on the building and its contents but they did not actually own the building, just the contents, and was paying a high monthly premium. Since John took the time to throughly review their current policy, John uncovered the previous agency mistake and was able to correctly insure the risk and in the processed saved the business owner $10,000. Not all agencies are created equal, John Coyle & the staff at Tri-Star, understand and offer personalized customer service.
Don’t pay for coverage you don’t need a second longer. As a small insurance firm, Tri-Star can provide you with personalized service and will work closely with you to find the perfect policy. John Coyle and Tri-Star Insurance offer the same products such as auto, home, renters, flood, condo, individual health and life insurance products at competitive prices. Call 214-387-0600 today to speak directly to John Coyle or visit. www.tristarins.com.
Related Links
Texas Department of Insurance
Insurance Information Institute
Independent Insurance Agents and Brokers of Americ
Posted by John Coyle on Mon, Dec 01, 2008
In the event of a hurricane, tornado or other major storm, high winds can damage both your home and your vehicle. Though hurricane warnings come about 2 days in advance, tornadoes pop up with little warning and can prove to be incredibly destructive. As Texas lies in the heart of tornado alley, the possibility of wind damage is great. Luckily, most standard homeowners insurance policies will cover any repairs up to a certain amount. Tri-Star Insurance of North Dallas, Plano and Frisco has seen the worst of Texas tornadoes and can help you find the coverage you need. As an independent agency, Tri-Star can select from top insurance agencies to find you the best rate available.
Property damage caused by strong winds or tornadoes can not only hurt your home and property, but put your family at risk as well. To stop serious damage from occurring, wind-proofing your home is a smart move. The following areas of your home are the most susceptible to wind damage:
Roof
High winds cause wind speeds to ebb and flow, usually violently, which puts immense pressure on the outside structure of your home. The roof acts as a shield as currents of air are carried down to the foundation. A weak roof can cause damage to the whole structure if not properly maintained. Yearly examinations by a professional inspector are essential to keeping your roof intact during a storm.
Windows
Flying debris or even very strong winds can cause glass to shatter, which presents a very serious risk of injury. Installing permanent storm shutters is very effective for combating high or even gale force winds. Storm shutters come in wood, aluminum or even steel, but can be rather costly. For a less pricey alternative, thick exterior-grade plywood covers will suffice as a temporary solution.
Doors
Solid doors made out of metal or hard wood stand a better chance of staying upright in a storm. Even so, make sure your home’s doors are secured at both the top and bottom of the door frame with sturdy bolts and at least three hinges.
Garage Doors
Usually made out of thin metal, garage doors are the perfect targets for wind damage. In lieu of purchasing a new garage door altogether, fitted bracing kits can provide extra support.
Yard
Overgrown foliage and trees could pose a threat in a storm by acting as flying missiles bent on destruction. Keep trees in line with periodical trimmings and try to choose wind-resistant plants that can withstand a little turbulence.
If you are also concerned about the welfare of your car or truck during a storm, many comprehensive auto insurance policies cover tornado or high wind damage at no extra cost.
Protect your domain from the destructive power of wind with a homeowner’s insurance policy that has you covered when disaster strikes. For more information call Tri-Star Insurance Professionals Inc., at 214-387-0600 or toll-free at 1-800-990-4600. Don’t let the cost of repairs blow you away, call today!
Related Links
FEMA
National Weather Service
Home Tips