connie vallone

What will your Homeowners Insurance Pay ?

In Home Buying, Home buying in West Houston, Home Insurance, Home Maintenance, West Houston Real Estate on July 4, 2014 at 3:18 pm

“Don’t Worry, Your Insurance Company Will Pay for This….or Will They?”

Quite often I receive phone calls from policy holders who have recently had or are thinking about having home repairs made after a vendor has written them an estimate. These vendors include, but are not limited to electricians, air conditioning repairmen, plumbers, construction contractors and many others. Many times, (after the “sticker shock” effect sets in), the vendor says to the homeowner, “Oh don’t worry, you can claim this on your home insurance”.
Unfortunately, that is not always the case. Many repairs, updates & upgrades are considered to be regular maintenance and are not covered under a homeowners policy. I have found that many home repair vendors want to try and have the insurance pay for the repair, so that they can increase their charges. This leads to false claims which causes rates to increase and there is no benefit for anyone.
Your home insurance policy protects you in case an unintended event causes loss to your property. Many policies have “named perils” in the policy information which defines the events in which an insurance company may pay a claim subject to the deductible.
If you are thinking about making a claim based on what a vendor tells you, be sure to contact your agent first. Any correspondence directly with a carrier’s claims department is monitored. A call to inquire about whether or not something is covered is documented (whether on a recorded line or email) and inquiring about a possible may be a negative rating factor at your next renewal whether or not you truly end up filing that claim.
Many times your agent can discuss your deductible options (many time repairs are under the deductible amount) and whether or not it makes sense to move forward to file a claim based on the individual situation.
Rhonda Runge,

rhonda@sernainsurance.com
713-515-8928

Connie Vallone 713 249 4177 www.houstonenergycorridorhomes.com

NEW LISTING! 10607 Opal Ridge Drive, Houston, TX 77095 – MLS# 77353842

In Buying a new home, Home Buying, Home buying in West Houston, Houston Real Estate, West Houston Real Estate, West Houston REALTOR Connie Vallone on July 2, 2014 at 10:38 am

NEW LISTING! 10607 Opal Ridge Drive, Houston, TX 77095 – MLS# 77353842

10607 Opal Ridge DriveStunning custom home located in desirable gated Stone Gate on an oversized golf course lot. Open flowing floor plan with soaring ceilings and tons of Low E Windows, Beautiful and Efficient! Chefs’ kitchen opens to spacious living and breakfast area. Huge master suite downstairs with 3 more bedrooms and game room upstairs. Relax and unwind from either your balcony upstairs or covered porch downstairs, both over looking the golf course. 3-car garage.

HAR Link:  http://search.har.com/engine/10607-Opal-Ridge-Drive-Houston-TX-77095_HAR77353842.htm

If you are interested in buying or selling real estate in West Houston, please contact Connie Vallone with First Market Realty at 713 249 4177  or visit www.houstonenergycorridorhomes.com  or www.vallonehomes.com .

NEW LISTING! 13615 Mansfield Point Lane, Houston, TX 77070 – MLS# 88686044

In Buying a new home, Home Buying, Home buying in West Houston, Houston Real Estate, West Houston Real Estate, West Houston REALTOR Connie Vallone on June 17, 2014 at 1:45 pm

NEW LISTING! 13615 Mansfield Point Lane, Houston, TX 77070 – MLS# 88686044

13615 Mansfield Point laneBeautiful one story in desirable quiet park like Mandolin Village subdivision. Light and bright open flowing floor plan, Gourmet kitchen with granite island work space, breakfast bar opens to dining area that leads to huge living area and park like back yard. Kitchen and living area surround flagstone courtyard perfect for morning coffee or entertaining. Extensive tile, dramatic arched entries high ceilings, huge master retreat and executive study.

HAR: http://search.har.com/engine/13615-Mansfield-Point-Lane-Houston-TX-77070_HAR88686044.htm

If you are interested in buying or selling real estate in West Houston, please contact Connie Vallone with First Market Realty at 713 249 4177  or visit www.houstonenergycorridorhomes.com  or www.vallonehomes.com .

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