Insurance Tips for Minneapolis Residents
With the brutal storms that have been raging around the country this year, it’s more important than ever to ensure you have the appropriate insurance coverage for your home. Too often, we hear from clients who, after catastrophic damage to their house or roof, assume they’re covered, only to find out that they’ll be footing a hefty, unexpected bill.
When it comes to insurance, don’t get caught out in the rain. The first thing you’ll want to check is that you actually have enough insurance to cover the rebuilding of your house if it’s destroyed. According to Amy Bach of United Policyholders, one 2009 study determined that as many as two-thirds of American homes are woefully underinsured. According to Forbes contributor Caroline Meyer, too many homeowners “buy only enough insurance to cover the amount of their mortgage,” amounting to “at most, 80 or 90 percent of the value of the house,” or they insure the house for its current value, without factoring “the actual cost of rebuilding … including labor and supplies.” Either have a home-value inspector come in and assess the full value of Laughing Corner
your property or pay for an estimate from HM Facts or Accucoverage. If the figure they give is higher than your current insurance, increase your coverage. Also, don’t assume your policy includes flood insurance. Generally, flooding isn’t included in your standard homeowner’s package. And in Minneapolis, flood insurance, while not completely necessary, is a good thing to have in the event of a catastrophic storm. Other common gaps in insurance policies in Minneapolis, according to the state commerce department, include sump pumps, sheds, trampolines, pools, and the assets contained within a home office or business.
It’s a good idea, either way, to also prepare a detailed home inventory in case you need to file a claim later. Document anything valuable in your house and its value — this will make the claims process a lot easier down the road.
PESTO POTATOES Roasted Parmesan
It only takes 3 ingredients to make these crispy, flavorful potatoes. They’re the perfect side dish for any meal. Recipe courtesy TwoPeasAndTheirPod.com.
Ingredients
• • •
2 lbs. red potatoes, quartered 2 tablespoons basil pesto
•
3 tablespoons grated fresh Parmesan cheese
Salt and pepper, to taste
Instructions 1. Preheat oven to 400 degrees F.
2. In a large bowl, combine potatoes and pesto. Toss to coat. Transfer potatoes to a large baking sheet or shallow roasting pan. Season with salt and pepper to taste. Roast 20 minutes and remove from oven. 3. Sprinkle Parmesan cheese evenly over potatoes and put the pan back in the oven. Roast for an additional 10–15 minutes or until potatoes are tender and crispy. Remove from oven and serve warm. 3
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