I have talked to a few homeowners about their coverage on their homes and realized that most do not know what kind of coverage they have on their home or if its enough to cover their loses. As your home increases in value your insurance should too.
The other thing people are not aware of is as the home gets older some carriers will only cover the roofs at actual cash value, NOT replacement cost if the roof has not been replaced in the last 15 years. That will increase the amount you will pay for a replacement roof vs. what the insurance company will pay.
Also if you have replaced your roof in the last few years make sure your insurance agent knows so you can get a discount on your insurance for the new roof.
You should always have a inventory list on contents to show the carrier if you have a loss so that you get the right amount for your loses.
I will give a free inventory list for you to fill out with all quotes. Also free flood quotes Contact me at 254-493-5767 or www.jfitexas.com