Last night my wife and I went to visit a client of ours as he showed off his newly reconstructed home.  Last winter in a heavy storm a one hundred foot high tree crashed through his roof while he was sleeping in the middle of the night.  He’s lucky to be alive, but that’s not the point of this story.

The point of the story is that his insurance company (Farmers) rebuilt everything even better than before.  And that’s because he didn’t cut corners on his insurance policy.  At the time, he thought he may have been paying a little more than the needed with the various riders and options available, but now he’s thankful that he did.  You never know when that catastrophic “act of god” might choose to land on your house.