{"id":90,"date":"2017-11-21T05:30:00","date_gmt":"2017-11-21T05:30:00","guid":{"rendered":"https:\/\/www.insurancebeaufort.com\/blog\/?p=90"},"modified":"2017-11-21T22:07:34","modified_gmt":"2017-11-21T22:07:34","slug":"things-to-tell-your-agent-home-updates","status":"publish","type":"post","link":"https:\/\/www.insurancebeaufort.com\/blog\/2017\/11\/21\/things-to-tell-your-agent-home-updates\/","title":{"rendered":"Things to Tell Your Agent: Home Updates"},"content":{"rendered":"<p>There are four main systems almost all insurance companies ask about when quoting a policy:<\/p>\n<ul>\n<li>Roof<\/li>\n<li>HVAC<\/li>\n<li>Plumbing<\/li>\n<li>Wiring<\/li>\n<\/ul>\n<p>Insurance companies want to know that these four systems are in good condition, and they often have guidelines for how old these systems can be. After all, even a well-built home needs work as the years go by.\u00a0Having documentation for updated systems will help us make sure you get all available discounts. It also makes things a lot easier if we ever need to shop your policy.<\/p>\n<p><strong>Roof<\/strong><\/p>\n<p>The acceptable roof age often depends on the type of roof covering. For example, once a shingle roof is about fifteen years old, it gets harder to find an insurance company that will write a new policy.<\/p>\n<p>The three most common roof coverings in our area are:<\/p>\n<div id=\"attachment_199\" style=\"width: 310px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-199\" class=\"size-medium wp-image-199\" src=\"https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/1-300x148.png\" alt=\"3-Tab Composition Shingle Roof\" width=\"300\" height=\"148\" srcset=\"https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/1-300x148.png 300w, https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/1-768x380.png 768w, https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/1-1024x506.png 1024w, https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/1.png 1096w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><p id=\"caption-attachment-199\" class=\"wp-caption-text\">3-Tab Composition Shingle Roof<\/p><\/div>\n<div id=\"attachment_200\" style=\"width: 310px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-200\" class=\"size-medium wp-image-200\" src=\"https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/Architectural-300x149.png\" alt=\"Architectural Shingle Roof\" width=\"300\" height=\"149\" srcset=\"https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/Architectural-300x149.png 300w, https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/Architectural-768x381.png 768w, https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/Architectural-1024x508.png 1024w, https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/Architectural.png 1068w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><p id=\"caption-attachment-200\" class=\"wp-caption-text\">Architectural Shingle Roof<\/p><\/div>\n<div id=\"attachment_201\" style=\"width: 310px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-201\" class=\"size-medium wp-image-201\" src=\"https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/Metal-300x148.png\" alt=\"Metal Roof\" width=\"300\" height=\"148\" srcset=\"https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/Metal-300x148.png 300w, https:\/\/www.insurancebeaufort.com\/blog\/wp-content\/uploads\/2017\/11\/Metal.png 712w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><p id=\"caption-attachment-201\" class=\"wp-caption-text\">Metal Roof<\/p><\/div>\n<p>Of these three, a 3-tab composition shingle roof has the shortest expected lifespan and a metal roof has the longest.<\/p>\n<p>Some insurance companies offer a discount just for having a new roof installed by a licensed contractor. To notify the insurance company about your new roof, we need to send in photos of the roof with a copy of a paid invoice.\u00a0There may also be additional discounts depending on features of your roof. Contact us for a wind mitigation form that the roofer can complete.<\/p>\n<p><strong>HVAC\/Plumbing\/Wiring<\/strong><\/p>\n<p>The acceptable age of the HVAC, plumbing, and wiring varies a little more than the roof. If you make any updates to your HVAC, plumbing, or wiring, send us a copy of the paid receipt from a licensed contractor.<\/p>\n<p><strong>Renovations<\/strong><\/p>\n<p>If you&#8217;ve renovated your home, the value may have changed. Let us know if you&#8217;ve added anything like a porch, new room, or swimming pool so we can make sure you have adequate coverage.<\/p>\n<p>&nbsp;<\/p>\n<p>Need to let us know about updates to your home? Call us at (843) 521-4000 or e-mail <a href=\"mailto:info@insurancebeaufort.com\">info@insurancebeaufort.com<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are four main systems almost all insurance companies ask about when quoting a policy: Roof HVAC Plumbing Wiring Insurance companies want to know that these four systems are in good condition, and they often have guidelines for how old these systems can be. After all, even a well-built home needs work as the years [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":203,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[27,19,29,26,25,28],"class_list":["post-90","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-things-to-tell-your-agent","tag-hvac","tag-plumbing","tag-renovations","tag-roof","tag-things-to-tell-your-agent","tag-wiring"],"_links":{"self":[{"href":"https:\/\/www.insurancebeaufort.com\/blog\/wp-json\/wp\/v2\/posts\/90","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insurancebeaufort.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insurancebeaufort.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insurancebeaufort.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insurancebeaufort.com\/blog\/wp-json\/wp\/v2\/comments?post=90"}],"version-history":[{"count":30,"href":"https:\/\/www.insurancebeaufort.com\/blog\/wp-json\/wp\/v2\/posts\/90\/revisions"}],"predecessor-version":[{"id":139,"href":"https:\/\/www.insurancebeaufort.com\/blog\/wp-json\/wp\/v2\/posts\/90\/revisions\/139"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insurancebeaufort.com\/blog\/wp-json\/wp\/v2\/media\/203"}],"wp:attachment":[{"href":"https:\/\/www.insurancebeaufort.com\/blog\/wp-json\/wp\/v2\/media?parent=90"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insurancebeaufort.com\/blog\/wp-json\/wp\/v2\/categories?post=90"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insurancebeaufort.com\/blog\/wp-json\/wp\/v2\/tags?post=90"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}