South Huntsville Neighbors, June 2024

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AT HOME© Best Version MediaNavigating Home Insurance:Understanding Your PolicyBy Todd Powers Alfa InsuranceCongratulations on acquiring the home of your dreams! Now thatyou've made this signi 昀椀 cant investment, it's crucial to safeguard iteffectively. Understanding your homeowner's insurance policy is the昀椀 rst step in ensuring comprehensive protection for both your propertyand belongings. Let's delve into the essentials of your policy andexplore how you can tailor it to your speci 昀椀 c needs.Alfa's homeowner policy offers a comprehensive package, encompassingcoverage for property damage and liability. While the basepolicy provides extensive protection, it's essential to note that certainlosses, such as 昀氀 ood and earthquake damage, may require separatepolicies for coverage. Your dedicated agent can assist you in assessingthe need for additional policies tailored to your circumstances.Coverage Breakdown:• Main Dwelling Structure: Your home is not just a structure; it'sthe heart of your sanctuary. This coverage ensures that in the eventof a covered loss, whether it's damage from 昀椀 re or other perils,your home can be repaired or rebuilt according to the terms ofyour policy.• Other Structures: From sheds to fences, many properties boastadditional structures. Most policies automatically allocate coveragefor these structures, typically up to 10% of the home's value.However, for additional peace of mind or if you have structuresexceeding this limit, your agent can help you secure additionalcoverage.• Personal Property: Your home is a re 昀氀 ection of your personality,昀椀 lled with cherished possessions. Personal property coveragesafeguards your belongings, including furniture and clothing. Certainhigh-value items like jewelry may have limited coverage, butyour agent can advise on supplemental coverage options.• Loss of Use: Unexpected disruptions like property damage canrender your home uninhabitable. This coverage alleviates someof the 昀椀 nancial burdens associated with temporary relocation andincreased living expenses during such challenging times.• Personal Liability and Medical Payments: Accidents can happen,even in the safest environments. This coverage protects you昀椀 nancially if someone is injured on your property and you'refound liable for their medical expenses or property damage.Understanding Coverage Options:When it comes to how losses are reimbursed, most policies offertwo options:• Replacement Cost: This option reimburses you for the cost ofreplacing or rebuilding your home or belongings with new itemsof similar quality, without factoring in depreciation.• Actual Cash Value (ACV): ACV considers depreciation, reimbursingyou for the cost of replacing your property minus its depreciatedvalue.Optional Coverages: In addition to the core coverages, consideroptional add-ons like Home Systems Protection and scheduled personalproperty coverage for valuable items such as jewelry or electronics.Your agent can guide you through these options based onyour needs.Selecting a Deductible: Your deductible amount affects bothyour premium and out-of-pocket expenses in the event of a claim.Balancing your deductible against your budget and risk tolerance iscrucial when selecting the right amount.In summary, understanding the nuances of your homeowner's insurancepolicy empowers you to make informed decisions aboutyour coverage. For personalized guidance and to ensure you havethe protection you need, contact your local Alfa Insurance Agent,Todd Powers, at 256-883-8598 or email tpowers@alfains.com.Todd and his team are committed to helping you safeguard yourhome and belongings effectively, providing peace of mind forthe future.Innovative, Compassionate, Effective1813 University Drive Suite 102Huntsville, AL 35801256-410-9350www.rebeccawinterslaw.comrebecca@rebeccawinterslaw.comDivorce • Custody • Modifications • Adoptions18 SOUTH HUNTSVILLE NEIGHBORS Submit Content at:
AT HOME© Best Version MediaFinding a Roo 昀椀 ngContractor you can trust….By Carl Hopper, Hopper Roo 昀椀 ngFinding a good roofer/contractor is like 昀椀 nding a good mechanicyou can trust; it’s not easy! Finding an honest, trustworthy companyis one thing; affordability and reliability is another. Somecompanies are too big for their britches which makes it easyfor potential customers to get lost in all the paperwork. Biggercompanies sometimes do not have time for customer service afterthe work is done; they are just looking for the next project.Many companies 昀氀 ooding into neighborhoods after a big stormare out-of-town roofers; good luck getting them to come back ifthere is ever an issue. If they do come back, you are scheduledso far out that by the time they get there the damage is alreadydone and the homeowner has to pay someone else to do the repairout-of-their-own pocket. Larger companies also have muchhigher overhead which mandates them to forward that expenseto the homeowner or property owner.Here at Hopper Roo 昀椀 ng and Remodeling we are a small, familyowned business focused on customer service and satisfaction.Our business is referral driven which speaks volumes. We prideourselves in the fact that we have more than 250 昀椀 ve-star reviews.We actually answer the phone and reply to text messagesand emails. We want to help homeowners protect their investment.We want the homeowner to have a positive experiencewith our company and will go out of our way to make sure thathappens. We want to be Huntsville’s local roofer!In addition to roo 昀椀 ng, we also install gutters and siding. We repairfascia and sof 昀椀 t rot. We professionally paint inside and out.We also remodel homes and would be happy to show you someof our work. We would be happy to be your one-stop-shop forall your home's needs!Come join the family at Hopper Roo 昀椀 ng and Remodeling!YOUR Vision,OUR FocusCOMPREHENSIVE EYE EXAMSSchedule your appointment online or call today!256-808-2345www.legacyvisioncenter.com11310 Memorial Parkway SWSuite G, Huntsville (next to Marco’s Pizza)We accept most visionand medical insuranceplans including:› VSP› Eyemed› Davis Vision› Spectera› Southland› Superior Vision› United Healthcare› BCBS› Viva› Medicare› Aetna› Cigna› NAMCIAL CERT # 21014We OfferSolutions To FitYour NeedsPACKAGE SYSTEMSHEAT PUMPSMINI SPLIT SYSTEMSOpen 24 hours EMERGENCY SERVICES256.503.4490talenthvac.comLOCALLY OWNEDWhen You Need Services, Rely On The CompanyYour Friends And Neighbors Choose In Huntsville• Air Conditioning Repair• Air Conditioning Maintenance• HVAC Installation andReplacementCombined over 40 Years Of Experience• Indoor Air QualitySolutions• Duct Work Repair• Natural Gas Workcustomerservice@talenthvac.com203 Brown Street NW, Huntsville, AL 35805bestversionmedia.com JUNE 2024 19
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