This episode of About the House is brought to you by the Construction Consumer Advocacy Institute https://constructionconsumeradvocacyinstitute.com/
Pick up a copy of Troy’s book at https://www.amazon.com/Building-Confidence-ESSENTIAL-Contractor-Hiring-ebook/dp/B0CYXPY63S
In this episode of About the House with Troy Galloway, Troy talks to Michael Caples about the different ways insurance protects your home including when you hire a general contractor to renovate your home.
Find out more about Mike Caples at https://agents.farmers.com/mo/arnold/michael-caples/home-insurance/
https://www.facebook.com/michael.caples.insurance/
2:15 A portion of the proceeds from Troy’s book will go to the Shriners.
3:29 Mike Caples has been in insurance for over 25 years
5:00 Most home insurance claims in the Midwest involve the roof
13:20 How do you assess if a roof was installed correctly?
14:25 Avoiding “storm chasers” who prey on homeowners after a bad storm
16:00 Ask to see a contractor’s proof of insurance
18:30 Workman's comp
21:18 Contractor licensing
26:10 Subcontractor contracts
28:20 Undocumented laborers will not have a tax ID
30:00 Will insurance deny a claim if renovations were done without permits?
31:00 Story about bad wiring injuring a cable guy
34:00 Terrorism coverage
36:00 Don't rely on FEMA to take care of you
38:00 Flood insurance
40:40 Sewer and sump pump endorsement
42:40 Rebuilding from the ground up
43:40 Call the insurance company when you get your declaration page
47:05 A lot of policies don't cover mold
48:30 What if a contractor cracks my driveway?
50:20 Removing snow