Category: Home Insurance

Home remodeling can be a fulfilling endeavor, but it also introduces certain risks. The probability of mishaps amplifies while the labor is in progress, and your fiscal risks burgeon once the operation is complete. Therefore, it is advisable to discuss your remodeling ambitions with your insurance agent before initiating work. For those in or around Tallahassee, FL, consider partnering with our Fuqua Insurance Agency team for your insurance requirements.

Remodeling and Renovating Introduces Insurance Risks

We secure home insurance to provide financial defense against damage from fire, theft, vandalism, or other occurrences on our property. However, it’s critical to recognize that your risks spike during the home enhancement process. Remodeling could involve workers on-site, lead to the accumulation of valuable materials and tools on the property, and may involve work on electrical, plumbing, and other systems – each potentially causing damage if errors ensue. Given the heightened risks, insurance policies usually require homeowners to inform their agents before starting a remodeling project.

Upon completion, renovations often augment the home’s value due to increased floor space, modern kitchen cabinetry and appliances, and other potential improvements. Adding a pool or hot tub presents new risks, while improvements to electrical and heating systems may reduce hazards. No matter your proposed modifications, consult your agent before initiating the project to ensure complete coverage during and post-project.

Securing Protection with Fuqua Insurance Agency

A remodeled home represents a substantial emotional and financial investment, thereby necessitating protection against loss during and post-renovation. If you reside in or near Tallahassee, FL, consider collaborating with our Fuqua Insurance Agency team to attain the protection you need. Drop by or give us a call today at (704) 332-0011 to book an appointment.

If you’re about to replace your flooring, this is a great time to look at other types and see if you want to switch. For example, do you want to switch to laminate or hardwood if you have carpeting now? And if you have a hard floor, do you want to install carpet instead? Your choice is more than just aesthetic, however. The type of flooring you install needs to be something that will handle moisture in a way that’s easy for you to clean up and that does not lead to more damage. Fuqua Insurance Agency in Tallahassee, FL, has some tips to consider.

Stains, Mold, and Rot, Oh My!

Different flooring fares differently in various types of water damage situations. A luxury vinyl tile floor may do just fine if you spill some coffee on it, but it’s not going to do well if you have a hot water leak that floods the floor; the heat can make the adhesive on the tiles fail. The carpet doesn’t do well if you spill some coffee unless the carpet has a really good stain-resistant layer. But the carpet may actually fare OK if hot water floods it because you may be able to dry out the carpet and replace the padding, along with drying out the underlayer and wall.

You can go back and forth with several examples, and it can take some time to research the best sub-type of each flooring material. But if you can do that and then determine which type is going to be the easiest for you to care for and fix, then you can have flooring installed that will last a long time. Give Fuqua Insurance Agency in Tallahassee, FL, a call to discuss coverage to help you pay for repairs should the flooring suffer damage from a source you couldn’t control.

Based out of Tallahassee, FL, Fuqua Insurance Agency assists Florida residents by offering different insurance policies. For over 40 years, we have strived to provide excellent customer service to our clients and help them find the insurance coverage that they need.  

Fuqua Insurance Agency recognizes your home is one of your most valuable possessions. A home insurance policy can help you adequately protect your investment.

Basic Home Insurance Facts That You Should Be Aware Of

Replacement Coverage

If your belongings are damaged or stolen, your policy should include coverage that allows you to replace or repair the items.

Maintenance Is Important

Make sure that your property is in good shape. That can help you receive a better rate from insurance companies.

Liability Coverage Includes Your Pets In Some Cases

If your dog bites someone on your property, you are generally protected through liability coverage. However, you may need to add a separate policy if you have a special breed of dogs like a Cane Corso, Great Dane, Doberman pinscher, or a boxer.

National Disasters Are Covered

Florida is prone to natural disasters such as hurricanes. If your home is damaged due to a natural disaster such as a tornado or hurricane, the policy will cover it. However, you may need to amend your policy to include flood protection.

Your Items Are Covered When You Travel

If you are traveling on vacation and someone breaks into your home while you are away and steals your property, your items are still covered under your policy.

Fuqua Insurance Agency Can Help You

We will help you find the right home insurance policy for your needs. Please stop by our office in Tallahassee, FL, and consult with us today!