Category: Home Insurance

At Bajorek Agency Inc., located in the greater Rochester, NY area, we realize your home is one of your most significant investments. One crucial factor in protecting this investment is the maintenance of your roof. Let’s discuss why taking care of your roof is so essential.

Preventing Water Damage

A well-kept roof is your primary defense against water damage. Leaks may cause mold, mildew, and structural damage, which are all expensive to repair. Regular inspections and relevant fixes can help catch minor issues before they become major concerns, thereby protecting your home and finances.

Enhancing Energy Efficiency

Your roof is significant in your home’s energy efficiency. Damaged or poorly maintained roofs can let out heat in winter and allow in excess heat during summer, leading to higher energy costs. Ensuring your roof is in sound condition can help maintain a comfortable indoor temperature and reduce energy bills.

Maintaining Home Value

A well-maintained roof increases your home’s overall appeal and value. If you’re considering selling your house, a recent roof inspection and any essential repairs can be a significant selling point. It reassures potential buyers that the property has been well looked after.

Insurance Considerations

Insurance companies require homeowners to carry out routine maintenance. Neglecting your roof could lead to denied claims if any damage occurs due to a lack of upkeep. Keeping your roof in good condition can help ensure that your home insurance stays valid and any legitimate claims are upheld.

At Bajorek Agency Inc., we’re committed to helping you understand how proper maintenance can affect your home insurance. If you have queries or need assistance with your policy in Rochester, NY, don’t hesitate to contact us.

Drone technology has emerged as a game-changer in home insurance claims assessment in the Rochester, NY area. By leveraging aerial perspectives, insurers can enhance the speed, accuracy, and efficiency of evaluating property damage, ushering in a new era.

Drone Technology & Home Insurance

From Hours to Minutes

Traditionally, claims assessors would physically inspect properties to gauge the extent of damage. Drones expedite this process by swiftly capturing high-resolution images and videos. This reduces the time required for assessment and allows insurers to respond promptly to claims.

Precision in Detail

Drones equipped with advanced imaging technology provide a level of detail previously challenging to achieve. Insurers can now obtain comprehensive visuals of damaged areas, enabling more accurate assessments. This precision ensures that claims are evaluated thoroughly.

Minimizing Risks in the Field

Sending assessors into potentially hazardous environments, such as after a natural disaster, can pose safety concerns. Drones mitigate these risks by offering a non-intrusive method of capturing data. Assessors can operate drones from a safe location while still obtaining the necessary information to assess damage effectively.

Harnessing Analytical Power

Drone technology not only captures visual data but also integrates with advanced analytics. Insurers can employ machine learning algorithms to analyze images and assess the severity of damage more precisely. This data-driven approach enhances decision-making, allowing for a more nuanced understanding of the claims landscape.

Navigating Regulatory Frameworks

While the benefits of drone technology are evident, insurers must navigate evolving regulatory frameworks. Compliance with airspace regulations and privacy considerations are paramount. As these frameworks evolve, the full potential of drones in claims assessment is likely to expand, offering even greater efficiency and precision.

How Bajorek Agency Inc. Can Help You

At Bajorek Agency Inc., we can help answer questions concerning home insurance. We serve the Rochester, NY area. Contact us today.   

With storm season officially here, it’s time to start preparing your home for the possibility of severe weather. Even if you live outside the Rochester, NY area in an area that rarely sees storms, it’s still important to take steps to make sure your home and family are safe in case one does strike.

Here are some tips from us at Bajorek Agency Inc on how to prepare your home for a storm: 

1. Clean up debris.

Before a storm hits, be sure to clean up any loose branches, leaves, or other debris around your yard. Keep them away from windows and doors too! This will help prevent breakages and lessen damage in case of high winds or hail. 

2. Secure outdoor items.

Make sure any patio furniture or toys are stored away in the garage or shed to prevent them from becoming projectiles during strong winds or heavy rain. 

3. Check gutters and downspouts.

Clear out any debris that may be blocking your gutters and downspouts before a storm so they can properly drain the water away from your home’s foundation when it rains heavily. 

4. Stock up on supplies.

Have enough food, water, and batteries on hand just in case of emergency power outages due to high winds or flooding caused by a storm surge or heavy rainfall in coastal areas. Also make sure you have flashlights, candles, and matches handy too! 

5. Check insurance coverage.

Review your existing insurance policy to make sure you’re covered for damages caused by storms so that you’re prepared should any major damages occur when one does hit!  

Keep Your Home Insurance Updated

For more tips and for your home insurance needs, call us at Bajorek Agency Inc today. We are proud to serve the Rochester, NY area.

Homeowners insurance creates peace of mind for many homeowners. Many homeowners lack the resources to pay for an unexpected incident or situation concerning their property or home. Homeowners insurance even provides liability protection if you’re at fault for an accident or situation that takes place.

Our Rochester, NY team at Bajorek Agency Inc is committed to helping homeowners understand the benefits of homeowners insurance. 

What are the Benefits of Homeowners Insurance?

Homeowners insurance provides financial and liability protection and coverage for your home, the structures on your property, personal possessions, and more. Your homeowner’s insurance will pay for the repair or replacement of your home, in addition to providing money for living expenses. If the repair of your home requires you to leave and reside somewhere else while it is being repaired, your homeowner’s insurance will pay for housing and living expenses until your home is repaired.

Liability coverage is also a part of a standard homeowner insurance policy. This means that your homeowner’s insurance will cover damage you cause to someone else’s property, bodily injury, and even dog bites.

Will homeowners’ insurance pay for the injuries caused by my dog attacking the neighbor’s dog?

Your homeowner’s insurance policy provides both legal and liability coverage for dog bites. Your homeowner’s insurance policy provides medical coverage. However, the covered amount must be within the limits of your homeowner’s insurance policy.

Any amount over the coverage limits of your insurance policy is the financial responsibility of the homeowner. Homeowner’s insurance liability coverage limits typically range from $100K to $300K.

Contact Us Today

If you have questions about homeowners’ insurance, we’d be happy to help. We can help you explore the benefits of Rochester, NY home insurance. Call us at Bajorek Agency Inc. We’re standing by. 

Owning a home is a big step and it comes with some risks. Home insurance offers protection against many of the obvious risks. But you need to understand that home insurance has some exclusions, things it won’t cover, and it is up to you to get additional coverage if it feels right. At Bajorek Agency Inc in Rochester, NY, we work with our customers to customize a perfect home insurance policy for them and their homes. 

Things home insurance won’t cover

Owner neglect

Insurance companies have an expectation that homeowners will maintain their homes. If you have a claim for something that results from owner neglect, your insurance company will refuse to pay. Under owner neglect are things like rodent infestation, mold, termites, and carpenter ants.  If you have these issues, it is expected that you should have treatment to prevent them from happening in the first place. 

Wear and tear

Things like a roof or a furnace have an expected lifetime. They will wear out and your roof may fail or your furnace stop working. These types of damage are not covered. It is up to you to replace them before they cause excessive damage. 

Floods

Floods are one of the most destructive natural disasters. If the reason for the flood is surface water, it is not covered. The good news is that you can purchase flood insurance through the NFIP and if you are concerned, you may want to do it. 

Earth Movement

Most earth movement is excluded from your standard home insurance policy. This includes earthquakes, sinkholes, mudslides, and landslides, 

Sewer backup

If a sewer backs up into your home, it is disgusting, and even worse, it isn’t covered. You will be responsible for any cleanup and repair.

Contact Bajorek Agency Inc in Rochester, NY with any questions you have about home insurance. 

Bajorek Agency Inc serves the Rochester, NY community. We strive to help our clients find the coverage they need to enjoy a comfortable life. We will sit down with you and assess your needs so that you can find a policy specifically designed to protect you.

Home Insurance Guide

Home insurance helps you protect one of your most significant investments. Your Rochester, NY home is your sanctuary. It’s the place where you store your possessions and enjoy peace of mind. Home insurance covers any damage to the interior and exterior of your home. If there is significant damage to your home due to a fire or natural disaster, you can add alternative lodging coverage to your policy. Alternative lodging coverage protects you as you look for another place to stay while your home is repaired. If you have any attached structures on your property, such as a garage or shed, those are also protected through your policy.

All of your personal items inside your home are covered if they are stolen or vandalized. It’s a good idea to take inventory so that you will have a clear idea of how valuable your possessions are. If you have any rare luxury items, you’ll need to add extra coverage in order to fully protect those items if they are stolen or damaged.

Liability coverage is a significant part of your policy. Like many others, perhaps you enjoy having friends and family over to your home. If one of your guests gets hurt on your property, liability insurance will cover you. If you are doing some landscaping, and you accidentally cause damage to your neighbor’s property, liability coverage will protect you against possible legal action. 

Bajorek Agency Inc Will Help You Cover Your Assets

Visit our website today to learn more information about home insurance.  

People that are in the Rochester, NY area should consider purchasing their next home. When you buy a property here, you need to make sure that you get proper insurance. Several advantages come when you do choose a proper home insurance policy. 

Coverage for Your Asset

One of the key benefits and advantages of receiving home insurance in this state is that you will get coverage for your asset. Your home is likely the most valuable asset that you will ever own. Due to your property’s importance and value, you need to make sure that you have properly protected with insurance. When you have a full home insurance policy here, it will give the coverage needed to repair or even replace your home.

Protection Against Liability Risk

All people have some level of personal liability risk that they need to consider when looking for insurance. When you get a full home insurance policy, it will provide you with some personal liability coverage. This type of insurance could give coverage for various scenarios that could result in a liability claim, including if a guest is hurt while they are on your property.

As you are looking for a home insurance policy in the Rochester, NY area, you will want to make sure that you get the needed guidance to understand your options fully. The team at Bajorek Agency Inc. will help you choose the right policy for your situation. When you work with Bajorek Agency Inc., you will receive personalized guidance that can help you understand your needs and options. This guide will help you choose a policy that is ideal for your situation.