Think you're fully covered by your homeowners insurance, or could a denied claim, uninsurable roof, or flood zone surprise catch you off guard? In this episode of Best Case, host Amanda Case sits down with veteran insurance expert Robert Reade from William Raveis Insurance to discuss everything homeowners and buyers need to know about property coverage. From filing claims and self-insuring to navigating flood zones, roof age restrictions, and umbrella policies, you'll learn how to protect your home and assets before disaster strikes.

In this episode, you'll learn:

• When it makes sense to file an insurance claim versus paying out of pocket to protect your claims history
• How flood zones work in Connecticut, what FEMA's Risk Rating 2.0 means, and how to petition with a LOMA survey
• Why half of insurance carriers won't insure a roof over 15 years old and what you can do about it
• The importance of umbrella policies (excess liability) and how they protect your generational wealth from auto and property accidents
• What homeowners need to know about water backup endorsements, service line coverage, and equipment breakdown
• Insurance considerations for short-term rentals, Airbnbs, and college-town investment properties

About Robert Reade:
Insurance expert with William Raveis Insurance boasting over 40 years in the insurance industry, including 14 years with Raveis and prior experience as an underwriter.
Connect: Robert Reade Agent Profile - William Raveis
Contact: robert.reade@raveis.com

Best Case is hosted by Amanda Case, Vice President of Sales at Team AFA with William Raveis Real Estate. Real estate answers from the experts behind the deal.

Watch the full video on YouTube: Link Below
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