Tag Archives: homeowners insurance

When to File a Homeowners Insurance Claim

Your dishwasher floods and ruins your beautiful wooden floors. A tree falls on your fence and knocks it down. A hailstorm dents your roof and smashes in your skylight.

Most of us would think to simply file a claim with our homeowners insurance and they will take care of it. Unfortunately filing a claim to your homeowners insurance is not as straightforward as expected.

An insurance company considers many things when it comes to paying a claim. Sometimes your insurance company will raise your premium or cancel your policy all together. Sometimes they reject the claim because you’re not actually covered for what you thought you were.

Damages happen to your home at any time and by various causes, but how do you know when and when not to file a claim with your homeowners insurance? Here are a few tips for when and when not to file a claim:

1. Don’t file a claim unless it’s significantly more than your deductible

Before you file a claim it’s a good idea to assess the damage and understand all the costs involved in the repairs. If the cost to repair is less than the deductible or only slight above the deductible, it’s usually better not to file a claim and fork over the money out of pocket. However, if the cost to repair is significantly more than your deductible, at least double the deductible, then it should qualify as a claim.

2. Don’t file a claim if you aren’t actually covered

Check your coverage before you file any type of claim on your homeowners insurance. Sometimes people think they are covered for certain losses that are not covered. For example, many people think they are covered for flood damage when in fact flood insurance is a completely different policy and not included in homeowners insurance.

3. Don’t file a claim if it’s not sudden, accidental, and catastrophic

Insurance companies are very picky when it comes to the type of damage they will cover for your home. If your son accidentally breaks a window while throwing baseballs in the backyard, your insurance may or may not cover the damage. While it is sudden and accidental, it’s not necessarily catastrophic. Another example type of claim that often gets rejected is if the damage is actually a home improvement project, like a rotted fence or old carpet. Read your homeowners insurance policy carefully to determine what exactly they will cover.

4. Don’t file a claim if you’ve submitted too many claims in one year

This one is tricky because there is no fine line for how many claims are too many. It’s a good idea to keep track of how many claims you file each year and check your history before filing another. A good way to do that is to look up your CLUE (Comprehensive Loss Underwriting Exchange), which is a collection of all the personal auto and property claims you’ve made over the past 7 years. Insurance companies measure your chances of receiving a settlement based on your CLUE, so it’s smart to be familiar.

5. When in doubt, ask your agent!

Considering the fact that filing a homeowners insurance claim is tricky, it’s usually best to go through an insurance agent who knows the ins and outs of the industry. They can help you determine whether a claim will increase your premiums or knock you off the policy or if you might have a chance of getting a settlement.

Don’t have an insurance agent?

If you’re looking for some guidance on filing a homeowners insurance claim, just contact us for a complimentary quote and to discuss your particular needs.

7 Fall Home Maintenance Tips to Make Your Home Winter-Ready!


Today is the first day of Fall, which means cooler weather is on its way.  As a homeowner, it’s time to consider how to prepare your home for the winter months ahead. One of the best ways to save money is to take preventative measures by making sure your home is in tip top shape. Maintaining your home lowers the risk of damages that lead to costly repairs and insurance claims that can raise your homeowners insurance rates.

Here are 7 fall home maintenance tips to make sure your home is winter-ready!

1. Check Roof

Make sure that your roof is solid and ready to roll for the cooler months. Any rips, tears, missing shingles, or cracks can not only allow water into your home, but also allows heat to escape, causing a jump in your energy bills.

2. Clean Gutter

If your gutters are cramped full of leaves, water has no place to escape and can puddle on your roof or drip down the exterior walls of your home. As you can imagine, this can be disastrous to your home. You might have to clean your gutters a few times this fall depending on how many trees you have.

3. Check Windows & Doors

Make sure your windows and doors are up-to-date, installed and sealed properly, and made out of quality materials. You might lose major bucks if they aren’t top notch because of heat leaking out and water leaking in.

4. Check Heating System

Getting an A/C inspection is always a good idea. It can be extremely frustrating when your heat goes out unexpectedly during the cold winter months. Especially when it could have been avoided by a few simple checks.

5. Clean Fireplace, Furnace, & Chimney

Most San Antonio homes don’t have a furnace, but in the case that you do, get it inspected. Also make sure to clean the fireplace and chimney so that soot and smoke can escape properly when it’s in use.

6. Inspect Pipes

Now to the water system. If you’ve ever experienced a burst pipe during a freeze, you know how much of a hassle and expense it can be. Inspect your pipes, make sure there aren’t any leaks or weak spots, and wrap any exposed pipes.

7. Winterize Sprinkler System, Garden Hoses, Outdoor Faucets, Sump Pump, etc.

Any outdoor water lines that still have water in them when temps start to drop, are at risk for freezing and bursting. Make sure to inspect, drain, and turn off the water for each of these water lines before and during a freeze. You might want to hire a professional to winterize your sprinkler system if you’re not confident in doing it yourself.

While winter snow and freezes aren’t a huge scare to most San Antonio home owners, we do get occasional freezes that can cause major harm to your home. Don’t get stuck submitting insurance claims and paying for repairs that could have been avoided by taking preventative measures this fall.

Another great way to get prepared for the winter months is to take a second look at your homeowners insurance policy. Revisiting your coverage each year with your insurance agent will ensure  you are taking advantage of additional savings and have the best coverage possible for your needs. Contact JR Carnahan if you have questions, want to look over your current policy, or are interested in getting a quote for Homeowners Insurance.

Take a Break Labor Day and Let Your Insurance do the Work

happy labor dayOur country was founded by hard working men and women who gave their blood, sweat, and tears so that we can enjoy the American Dream.

And it’s because of people like them that the American Dream lives on.

That’s why JR Carnahan’s goal is to serve everyone with excellence. Our goal is to go above and beyond to make sure your expectations are exceeded and all your insurance needs are met. Each of our clients have different needs and we work hard to make sure their insurance plans are specialized and prepared just for them!

It’s our little contribution in keeping the American Dream alive.

This Labor Day is a great time to consider the security that an insurance plan can offer you and your family. Whether it’s health, life, auto, or business insurance, give yourself a break and let JR Carnahan worry about the “what-ifs” of life. For all of your insurance needs, don’t wait to contact us at JR Carnahan Insurance!

Now it’s time to relax!

As we celebrate Labor Day, we want to thank all those who help achieve the strength, prosperity, and well-being of this country. You work hard to provide for your family, serve the work force, and give back to your community.

Wishing you and yours a safe and happy holiday!

In celebration of Labor Day, our offices will be closed on September 7th. We want to give our hard-working team a much-deserved rest! Fear not, we’ll be back to serve you bright and early on the 8th!

Cycling and Bicycle Insurance Questions

cycling insuranceNow that the weather is warm, people are biking to and from work, school, the grocery store, and for exercise. As a whole, the sport of cycling is increasing.

However, many cyclists don’t think about what happens should their bike be stolen, damaged, or if they are injured while riding.

Here are some common questions about insurance coverage for cyclists:

What if my bike is stolen?

Most homeowners or renters insurance policies will cover the cost of a stolen bike, but not all of them. The safest route is to check with your insurance agent about your coverage. In the case of a stolen bike, filing a claim might not even be worth it if you have a high deductible. Review the cost of the bike in comparison to your deductible to decide if it’s worth it to file a claim.

What if I hit a car, pedestrian, or other cyclist while on my bike?

Many people think that their auto insurance will cover them if they are involved in an accident while on their bike. This is not the case. Auto insurance only comes into play if you were driving a car.
If you are responsible for an accident while riding your bike, your homeowners or renters insurance might cover the damages of the affected party. Again, it’s important to check with your insurance agent to make sure you have that level of coverage.

What if I am hit by a car while on my bike?

If you are hit or injured by someone else driving a vehicle, their auto or homeowners/renters insurance will cover your medical expenses and property damage. In the unfortunate event that the responsible party is uninsured, under-insured, or flees the scene, you may have to utilize your auto policy’s UM/UIM coverage (uninsured/under-insured coverage).

Should I get a separate bicycle insurance policy?

With the number of bike accidents these days it’s a good idea to consider purchasing a separate cyclist insurance policy. These policies start as low at $100/year. If you own a bike and accessories that are worth more than $100, this is a great investment. Purchasing a bicycle insurance policy also gives members of USA Cycling, Triathlon, and other cycling associations access to discounts.


“Don’t wait until it’s too late to get bicycle insurance!”

Contact JR Carnahan to get more information on bicycle insurance today.

4 Tips for Buying Homeowner’s Insurance

Homeowners insurance san antonio, txHomeowners insurance can be expensive.

But if you’ve ever experienced any kind of disaster or damage to your home, then you know the importance of carrying homeowners insurance. Even a small repair can significantly affect your bank account.

As one of your biggest investments, it’s necessary to protect your home and be prepared for the possible risks.

So where does a person start when looking for a homeowner’s insurance policy?

Here are 4 tips for buying homeowner’s insurance:

  1. Know Your Home’s Value

Before you choose a policy, it’s important to establish your home’s replacement cost. This would include any item of your home that is at risk for theft, windstorm, fire, or other liabilities. Note that the land underneath your home should not be included in rebuilding costs.

  1. Shop Around for Homeowner’s Insurance

Anytime you are looking for insurance, make sure to shop around, not only for the best price, but also the best value. Compare coverage, price, and customer reviews and be sure you get the right type and amount of coverage specific to your home. Considering that you will mostly be in contact with the insurance company during times of crisis, research their customer service, claims service, and financial stability to get a good idea of how you will be treated. Online customer reviews are always a good way to discover the truth about a company.

  1. Bundle Your Insurance Policies

Some companies that sell homeowners insurance also sell auto and liability coverage and could potentially take a percentage off your premium if you buy multiple policies from them. Just make sure that purchasing a bundle is actually cheaper and a better value than buying separately.

  1. Make Your Home More Disaster Resistant

Investing in a few home improvements can greatly reduce your risk of having to use your homeowners insurance, and can lower the premium. You may be able to save on your premium by making enhancements to your windows, siding, roof, burglar alarm system, and fire alarm system. Not every improvement or alarm system qualifies for a discount, so talk with your insurance agent before moving forward with renovations.

While it’s possible to locate a good homeowner’s policy by doing your own research, it’s always a good idea to let an expert do it for you. Insurance agents know all the options and discounts available and if you find one that is trustworthy they can end up saving you a lot of money.

Are you looking for Homeowner’s Insurance?

If you’re looking for a homeowner’s insurance policy and need some guidance, just contact us for a complimentary quote and to discuss your particular needs.