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Johnston & Associates Insurance Blog: homeowners insurance

View the latest blog posts from Johnston & Associates Insurance.

Tips for Preventing Ice Damming During their study on the subject, the University of Minnesota defined an ice dam as, “A ridge of ice that forms at the edge of a roof and prevents melting snow (water) from draining off the roof. The water that backs up behind the dam can leak into a home and cause damage to walls, ceilings, insulation, and other areas. READ MORE >>

One of the questions we most frequently get asked as personal insurance agents is, “Why does my homeowners insurance go up every year when haven’t made a claim?” There are a few reasons for that…. READ MORE >>

In nature, spring is a time when new must replace the old and in the Tennessee housing world, the same is also true. With spring arriving, there are several things that you should be on the lookout for in terms of home repairs. READ MORE >>

Homeowners insurance policies have exclusions, this is where endorsements come into play. There are various endorsements that can (and should) be added to your Nashville home insurance policy, depending on your individual home. These endorsements include: •Replacement cost - dwelling and contents to restore pre-loss conditions READ MORE >>

The earliest known fire insurer in America dates back to 1735.  The Friendly Society for the Mutual Insuring of Houses against Fire was based out of Charleston, South Carolina.  The society was not formed with the intention of achieving a profit, but more as an outgrowth of volunteer fire-fighting organizations. READ MORE >>

1.      Actual Cash Value vs. Replacement Cost for roof claim – More and more Insurance companies are reducing coverage for your hail damage claim. Instead of paying for a new replacement roof, many companies are paying a depreciated settlement, or Actual Cash Value. READ MORE >>

Tennessee beware!  Too many homeowner claims may very likely mean trouble for you later!  I recently spoke to an individual who had a number of claims on his homeowners policy.  He said, “I pay a lot for my insurance and I expect to get something back for my money. READ MORE >>

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Franklin, TN 37067
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