Since 1967, from our Madison location, Action Insurance Agency has served the personal insurance needs of Wisconsin residents. As an independent insurance agency we work for you, not an insurance company. Representing a carefully selected group of financially sound and reputable insurance companies we're able to offer excellent value for your insurance coverages.
Our experienced, professional staff is able to tailor the right coverages at a competitive cost for your personal property, casualty, and term life insurance exposures. From preferred to high risk (SR-22) automobile coverage, to homeowners and renters insurance, along with motorcycles and boats, a policy can be built to suit your requirements.
This Month's Tip
Keep Your Roof in Tip-Top Shape
Wind and hailstorms are some of the most frequent and severe causes of property damage to American homes, with several billion dollars of losses each year. These perils can not only damage roofs but also result in water losses to the attic, ceilings, and walls. A strong and healthy roof can mitigate the chances of these types of losses. So here are some tips to pass on to your clients to keep their roofs in first-rate condition.
You should check the condition of your roof twice a year. Spring and fall are often good times.
Start the inspection in the interior of the home. Look for staining on the ceiling or walls, which might indicate leaks from the attic.
Go into your attic, if you are physically able, with a powerful flashlight and check for signs of water damage or wet insulation. This assessment will let you know if water has been entering your attic.
Use a set of binoculars to inspect the exterior of the roof. Look for signs of warped shingles or flashing.
Hire a roofing specialist to go directly onto your roof and inspect it at least once per year or after a major hailstorm. Ask the specialist to take pictures of any problem areas. Make repairs as soon as possible.
If your roof needs to be replaced, consider installing impact-resistant roofing to reduce the chances of future hail damage. Clarify with your roofer that the shingles are "tested and rated impact resistant for hail" and that your insurer will provide you a premium credit for them on your homeowners insurance.
Get more personal lines insurance and risk management tips and ideas from IRMI.
International Risk Management Institute, Inc.
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