*Staying up to date on your home's replacement cost
 
 
Your Replacement Cost Checklist
It's virtually important that you have enough insurance coverage to rebuild your home in the event of a disaster. Not sure whether you do? Then ask yourself these questions:
 
*Did your agent calculate replacement cost when your house was first insured?
 
*Have you kept your agent informed about any additions or remodeling done to your home?
 
*Is your current coverage set up to protect any unusual or more upscale design features that might be expensive to replace, such as plaster walls, hardwood floors, vaulted ceilings or detailed woodwork?
 
*Do you know if there have been any significant changes to the building codes in your area?
 
*Do you know what it costs to build new homes in your area that are similar in size and quality to your home?
 
If you answered 'No' to any of these questions, contact your current agent or our agency to make sure your house is covered properly. 
 
Factors that attribute to expense of rebuilding:
Site Access                 

Site Preparation                       

Customer Service
Economies of Scale     

Construction Method               

Unique Features
Inflation Rate               

Supply & Demand                   

Property Protection
 
No one likes to contemplate the possibility of his or her home being destroyed, but if disaster strikes, this call could end up being the most valuable one you'll ever make.

For more information, contact Stephen Laird 330-626-4410 or visit his website at www.stephenlairdagency.com.