THINK YOU’RE PROTECTED? THINK AGAIN The Hidden Clauses in Your Policy That Can Cost You Thousands
Whether it’s a howling hurricane or a sudden derecho, you expect your insurance to have your back. However, for many homeowners, the real disaster begins when they file a claim and discover their policy is full of costly surprises. Turns out, it’s not just the weather you need to watch; it’s the fine print, too. DISASTER STRIKES, BUT COVERAGE HIDES In the wake of May 2024’s devastating derecho and the damaging winds of Hurricane Beryl, countless Texans found themselves battling not just roof damage or downed trees, but their own insurance companies. Why? Standard homeowners policies often don’t cover the disasters most likely to strike. Wind, hail, floods, and even water damage from roof leaks? Sometimes excluded. And unless you’ve bought special protection, you may be left footing the bill when the storm passes and the real costs roll in. WHAT YOUR POLICY ISN’T TELLING YOU Not all policies are created equal. Some only cover named perils, a short list of events spelled out in black and white. Others offer “all risk” coverage, but even those can skip essentials like a burst pipe. And here’s the kicker: Unless
you’ve double-checked, you may be stuck with a payout based on “actual cash value,” which subtracts for depreciation,
Even “all risk” policies, which sound comprehensive, often modify common coverages like hail, such that your roof may not be covered in a hailstorm! DON’T LET THE NEXT STORM CATCH YOU OFF GUARD Your insurance policy should be a safety net, not a trapdoor. Now’s the time to read the fine print, clarify what’s covered, and update your protection before the next storm hits. Think your insurance company played unfairly? You don’t have to face it alone. We stand with policyholders when the winds die down and the real fight begins. Let’s make sure your insurance works for you, not against you.
instead of full replacement cost. Then there’s the matter of sneaky
deductibles. Percentage-based? A 2% deductible on a $400,000 home? That’s $8,000 from your pocket before they pay. THE MOST COMMON EXCLUSIONS IN PROPERTY INSURANCE Here’s where policies often fall short. These are four of the most common exclusions you should check for in your policy’s fine print:
Flood damage
• • • •
Earthquakes and landslides Wind and hail damage
Sewer backups
Chocolate-Covered Banana Brownies Inspired by OMGChocolateDesserts.com
BREAK TAKE A
Ingredients Banana Brownies • 1/2 cup unsalted butter, melted • 1/3 cup light brown sugar • 1/2 cup sugar
Chocolate Topping • 12 oz semi-sweet baking chocolate, chopped • 1 cup heavy cream • 3/4 cup creamy peanut butter • 3–4 large bananas
• 1/4 tsp salt • 1 large egg • 1 1/2 tsp vanilla • 1/2 cup mashed banana • 1 cup flour
Directions 1. Preheat oven to 350 F. Grease an 8x8-inch pan with cooking spray. 2. In a bowl, whisk together melted butter, brown sugar, sugar, and salt. Add egg and vanilla and whisk. Add mashed banana and whisk, then whisk in flour. 3. Pour the batter into the prepared pan and bake for 25 minutes, or until the center has set. 4. Place chopped chocolate in a heatproof bowl. 5. Bring heavy cream to a boil, pour over chocolate, let it sit for 1–2 minutes, then stir until chocolate is completely melted. Stir in peanut butter until smooth. 6. Slice bananas and arrange over cooled brownies. 7. Pour chocolate mixture over bananas and place in the fridge for 15 minutes before serving.
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