Not every home insurance claim is created equal. Knowing when to file — and when to pay out-of-pocket — can save you money and help you maintain your coverage. Here’s how to spot the difference between a “good” claim and…

Exterior Preparation:  Roof Inspection: Check for missing shingles or signs of wear.  Gutters and Drainage: Clean out debris to prevent water backup.  Yard Maintenance: Trim trees and bushes that could damage your home during storms.  Interior Preparation:  Plumbing: Ensure no…