When shopping for a new policy, should you be shopping only the price? You should become knowledgable about the coverages you are purchasing. What is the language within the policy. Does coverage include … Flood? Hurricane? Actual Cash Value vs. Replacement Cost? Is there an appraisal provision in the policy to allow for dispute resolution vs. state managed mediation vs. litigation? Ask your agent to explain how they arrived at the annual cost of the policy. Ask about the cost per square foot to rebuild your home. This number is an important cost driver. If you you need additional answers or questions to ask feel free to contact us. Adjusting a claim without the correct policy language will impact how quickly you can get back to living in your home. As a public insurance adjuster I hear from new clients how they thought they had good insurance coverage for their home. They learned the great deal they thought they purchased did not live up to their expectations.