Tag: home insurance

Kentucky Storm Season is Here: Beware of Storm-Chasing Contractors!

April and May bring the peak of severe weather to Kentucky, with high winds, hail, and heavy rains putting homes and businesses at risk. Unfortunately, this is also the time when storm-chasing contractors appear, promising quick and cheap repairs. While some contractors are reputable, many take advantage of storm victims—doing shoddy work or disappearing after taking your money.

How to Spot a Storm Chaser

Storm-chasing contractors move from town to town, targeting storm-damaged areas. Here’s how to recognize them:

  • Unsolicited Offers – They knock on your door, claiming to notice damage you weren’t aware of.
  • High-Pressure Sales Tactics – They push you to sign a contract immediately, often claiming it’s a “limited-time offer.”
  • Lack of Local Reputation – They may have an out-of-state license plate, a temporary phone number, or no local references.
  • Upfront Payment Demands – Reputable contractors don’t ask for full payment before work begins.
  • No Written Estimates or Contracts – They avoid providing paperwork, making it difficult to hold them accountable.
How to Protect Yourself
  • Verify Licensing & Insurance – Always check for a valid Kentucky contractor’s license and proof of insurance.
  • Read Reviews & Ask for References – Look up their business on the Better Business Bureau (BBB) and read online reviews.
  • Get Multiple Quotes – Compare bids from at least three local contractors before making a decision.
  • Avoid Paying in Full Upfront – A reasonable down payment is standard, but never pay the full amount before work begins.
  • Check with Your Insurance Provider – Consult your insurance company before signing anything to ensure your claim is handled properly.
Trustworthy Storm Recovery Starts with Local Experts

When storms hit, you need a contractor you can trust. At Raymond Nelson Insurance, we help policyholders navigate the claims process and connect with reliable local professionals. If you need assistance after a storm, reach out to us first—we’re here to help!

 

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800, or contact us online for more information.

How Does Having a Pool Affect Your Homeowner’s Insurance?

A pool can add value to your home, but it can also add some insurance complications. Here are several ways that can significantly affect your homeowner’s insurance.
Increased Liability Coverage
  • Higher Risk:
    • Pools are considered an attractive nuisance, meaning they can attract children and increase the risk of accidents.
  • Higher Liability Limits:
    • Insurers may require higher liability coverage.
Increased Premiums
  • Higher Costs:
    • The increased risk associated with owning a pool generally leads to high premiums.
  • Maintenance and safety features:
    • Pools with safety features like fences, covers, and alarms might mitigate premium increases.
Property Coverage
  • Increased property value:
    • A pool can increase the home’s value, which might lead to higher property coverage limits.
  • Repair and replacement:
    • Coverage for damage to the pool itself (due to natural disasters, vandalism, etc.) may be limited or require additional endorsements.
Safety Requirements
  • Inspections:
    • Insurers might require safety inspections to ensure compliance with local regulations and safety standards.
  • Safety features:
    • Requirements may include fencing, pool covers, and lockable gates to reduce the risk of accidents.
Tips for Keeping Your Pool Safe:
  • Erect a locking fence around your pool.
  • Mount lights by your pool to keep the area well-lit at night.
  • Install one or more security cameras that let you monitor activity around the pool.
  • Avoid installing diving boards, slides, and other accessories that people may injure themselves on.
  • Keep the pool deck clean, dry, and free of any glass that might break and get in the pool.
  • Make sure that anytime the pool is being used there’s an adult present who is trained to perform CPR.

Homeowners need to discuss their specific situation with their insurance provider to understand how a pool will impact their coverage and premiums.

At Raymond Nelson Insurance, we go the extra mile to find the coverage that best protects what matters most: the business you’ve built and the people you love. We always take the time to get to know each client and serve their best interests. Call us today at (270) 885-1800 or contact us online for more information.