4 Roof Factors Affecting Your Home Premiums

Your roof can be a crucial factor in determining your home insurance premiums. From the materials used to even its shape, your roof can impact the cost of insuring your home. Let’s delve into how your roof affects your home insurance premiums and look at the signs that it may need to be replaced!

Material

The type of material used for your roof plays a significant role in its longevity and durability, which in turn affects insurance rates. Here are some common roofing materials and their impact on insurance:

  • Asphalt Shingles: Affordable but with a lifespan of around 20 years.
  • Slate Shingles: Highly durable but expensive and prone to breakage.
  • Metal Roofing: Offers excellent protection against the elements and can last for decades.
  • Solar Tiles: Environmentally friendly and long-lasting, though with a high initial cost.

Shape

The shape of your roof can also influence insurance premiums. Gable roofs and hip roofs are common types of roof shapes. Gable roof shapes can be vulnerable to high winds and may cost more to insure, whereas hip roofs are designed to be more durable against strong winds, which may lower your premium. 

Condition

Obviously, the condition of your roof is important. We prefer roofs in good condition with no visible signs of wear and tear. A well-maintained roof is less likely to incur damage and, therefore, less risky to insure.

Age

The age of your roof is a crucial factor for insurers. Roofs older than 20 years may require inspection before coverage is offered, and some insurers may refuse to provide coverage altogether for roofs of this age.

Signs Your Roof Might Need a Replacement

Even with the best materials and maintenance, roofs deteriorate over time. Here are some signs that it may be time for a replacement:

  • Age: If your roof is more than 20 years old, it’s likely nearing the end of its lifespan.
  • Missing Shingles: Losing shingles is a clear indication of wear and tear and can lead to leaks and further damage.
  • Leaks: Water stains or visible leaks inside your home indicate roof damage that needs immediate attention.
  • Sagging: A sagging roofline suggests structural issues that require prompt repair or replacement.

By understanding the factors that impact your home insurance premiums and recognizing the signs that your roof may need replacement, you can ensure the safety of your home and potentially save on insurance costs in the long run. Remember: regular maintenance and timely replacements are key to keeping your roof in top condition! 

Do you have the right home coverage? Get an instant quote or contact your local agent to ensure your home and roof have the right coverage! 

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your homeautocommercial and life insurance needs.

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Storm Recovery Checklist: Filing a Claim

As we approach tornado season, it’s important to know not just how to prepare for storm season, but also what to do post-storm. While we can’t control the weather, we can control how we prepare and recover from its aftermath. With a storm recovery checklist in hand, you can navigate the challenges of rebuilding your life after a tornado or severe weather strikes.

1. Prioritize Safety with Emergency Repairs

The safety of yourself and your loved ones should always come first. After the storm passes, assess your surroundings for any immediate dangers. If safe to do so, make emergency repairs to secure your property and prevent further damage. Board up broken windows, patch up roof leaks, and clear debris blocking pathways. However, exercise caution and avoid entering severely damaged structures until they have been inspected by professionals.

2. Document the Damage

Before beginning any cleanup or repairs, thoroughly document the extent of the damage. Take photos and videos from multiple angles to provide a comprehensive visual record. This documentation will be useful when filing insurance claims. Be sure to capture both the interior and exterior of your property, including any personal belongings that have been affected.

3. Gather Essential Information

Before contacting your local agent, gather all necessary information, including your policy number, contact information for your insurance agent, and any relevant documentation related to your property and possessions. Having this information readily available will streamline the claims process and ensure that you receive the assistance you need in a timely manner.

4. Report Your Claim

Once you’ve gathered all the necessary information, it’s time to report your insurance claim. We offer a few ways to report, including calling our Claims Department or contacting your local OKFB agent. Provide them with a detailed description of the situation and be prepared to submit any documentation. Your agent will guide you through the claims process and help you understand what coverage is available to you.

5. Take Inventory of Damaged Property

Create a detailed inventory of all property that has been damaged or destroyed. This should include everything from structural damage to personal belongings. Document the make, model, and serial number of any major appliances or electronics, as well as the condition of any furniture or other items. This inventory will serve as a valuable reference and can help ensure that you receive fair compensation for your losses.

6. Follow the Status of Your Claim

Stay informed about the status of your insurance claim and follow up with your insurance provider as needed. Keep detailed records of all communications, including phone calls, emails, and written correspondence. 

At OKFB Insurance, our 10 regional claims offices help make the claims process as quick and smooth as possible. By following this storm recovery checklist, you can take proactive steps to ensure your safety, protect your property, and navigate the insurance claims process with confidence. Together, we can weather the storm and rebuild stronger than ever before.

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your homeautocommercial and life insurance needs.

Don’t forget to follow us on social! This kind of information and more is just a click away. You can find us on FacebookInstagram and LinkedIn.

8 Spring Cleaning Tips to Add to Your Checklist

As the winter weather fades away, it’s the perfect time to give your home a refreshing makeover with some spring cleaning! With the sun starting to shine a little brighter, there’s no better time to tackle those neglected corners and give your living space a well-deserved deep clean. Here are some essential tips to help you start your spring cleaning:

Deep Clean Your Appliances

Start your spring cleaning by giving your appliances some extra love. Take the time to deep clean your fridge and any other appliances you use regularly. Remove all items from the fridge, wipe down shelves and drawers, and toss out any expired or unwanted food items. When cleaning the oven, use a powerful oven cleaner to tackle stubborn grease and grime, but also make sure to follow the manufacturer’s directions if your oven is self cleaning. Don’t forget about your washer and dryer—wipe down surfaces, clean out lint traps, and run a cleaning cycle to keep them fresh and efficient.

Declutter Closets

If you’re tackling your bedroom for spring cleaning, consider decluttering your closets and donating clothes you no longer wear. Set aside some time to go through your wardrobe, separating items you haven’t worn in the past year. Donate these items to charity or organize a clothing swap with friends and family. Decluttering not only creates more space but also promotes a sense of clarity and organization in your home!

Don’t Forget the Walls

Brighten up your living space by dusting the blinds, washing the curtains, and spraying down the windows. Use a microfiber cloth or duster to remove dust and dirt from blinds and window sills. Take down curtains and drapes for a thorough wash or vacuum to eliminate allergens and freshen up the fabric. Finally, spray down windows with a mixture of water and vinegar to remove streaks and smudges, allowing more natural light to filter into your home.

Freshen Up Carpets

Consider freshening up your carpets and rugs while you’re doing your spring cleaning. Rent a carpet cleaner or hire a professional service to remove embedded dirt, stains and odors. Focus on high-traffic areas and pay attention to any spills or spots that require extra attention. Once cleaned, open windows to promote airflow and help carpets dry faster, leaving your home feeling clean for the new season!

Replace Air Filters

Dirty air filters can restrict airflow and trap allergens, dust and other pollutants, leading to poor indoor air quality. Improve indoor air quality by replacing air filters in your HVAC system. Check your air filters regularly and replace them every three months to ensure a healthier living environment for you and your family.

Clean Up the Bathroom

Transform your bathroom into a spa-like retreat this spring. Change out your shower curtain for a fresh look, unclog drains to prevent buildup and scrub surfaces and fixtures. Don’t forget to go through your cosmetics drawer or medicine cabinet to dispose of any expired items.

Remove Hard-Water Buildup

Combat hard-water buildup in your bathroom by giving your showerhead a thorough cleaning. Fill a plastic bag with vinegar and secure it around the showerhead, ensuring that it’s fully submerged. Leave it overnight to dissolve mineral deposits, then scrub away any remaining residue with a toothbrush. This simple trick will help restore your showerhead and remove buildup.

Clean Out Gutters

Don’t forget about the exterior of your home when spring cleaning. Clean out gutters to remove leaves, debris and other obstructions that can cause water damage and drainage issues. Use a ladder and gloves to safely clear out the gutters, and consider installing gutter guards to prevent future buildup. Properly maintained gutters will help protect your home from water damage and ensure that rainwater flows away from your foundation.

 

With these essential spring cleaning tips, you can revitalize your home and create a clean, organized and welcoming space for the season ahead. Happy spring cleaning!

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your homeautocommercial and life insurance needs.

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5 Tips to Prevent Fires in Your Home

Keeping your home safe is a top priority, so making sure to avoid fires is obviously top of mind. From installing smoke alarms to maintaining heating sources and crafting emergency escape plans, these tips can help make your house a safer home for you and your loved ones. Keep reading for tips on how to prevent fires in your home! 

Install Smoke Alarms

To enhance your home’s safety, strategically place smoke alarms on every level of your residence and outside every sleeping area. Regularly check these alarms to ensure they are in proper working condition and change their batteries at least once a year.

Maintain Heating Sources

Regular inspections and cleanings of home heating sources, including furnaces and stoves, are essential. Keeping up with maintenance gives you an opportunity to address any issues to prevent malfunctions before it’s too late. Also, remember to regularly check for cracked or rusted furnace parts and tend to any creosote buildup in chimneys.

Stay Informed About Recalls

Keep yourself informed about recalls related to home appliances that pose a fire hazard. Register your appliances with the manufacturer to receive timely recall notices. Take immediate action to replace or repair any recalled appliances, reducing potential fire risks in your home. You can search for recalls through the Consumer Product Safety Commission’s website, or by downloading the app

Keep Flammable Items Away from Heat

Maintaining a clean and clutter-free kitchen stove area is crucial. Store flammable items such as pot holders, towels and curtains away from cooking surfaces. Additionally, avoid leaving cooking appliances unattended while in use and regularly clean oven hoods and vents to prevent grease buildup.

Have an Emergency Escape Plan

Practicing emergency escape plans is vital for every household. The American Red Cross suggests all members, including children, know two ways to escape from every room. Conduct fire drills regularly to familiarize everyone with escape routes. Designate a family meeting spot outside the home where everyone gathers after escaping, and ensure that windows and doors can be easily opened and unlocked.

Home safety is a collective responsibility that demands diligence and proactive measures. By implementing these home safety tips to prevent fires, you not only protect your property but also prioritize the lives of your loved ones.

We’re Here to Help

Whether you’re a longtime policyholder or just starting to look for insurance options, we’re here to help. If you have questions or concerns that you want to discuss, connect with your local OKFB agent today. If you have any insurance-specific questions, we would love to help you find the coverage that best meets your homeautocommercial and life insurance needs.

Don’t forget to follow us on social! This kind of information and more is just a click away. You can find us on FacebookInstagram and LinkedIn.