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      <image:caption>https://business.libertymutual.com/</image:caption>
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      <image:caption>Progressive Home</image:caption>
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    <lastmod>2020-12-19</lastmod>
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      <image:title>Normal Wear and Tear - Make it stand out.</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <lastmod>2020-12-22</lastmod>
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      <image:title>Breakdown - Equipment Breakdown</image:title>
      <image:caption>Equipment breakdown (EB) coverage added to homeowners insurance is wise. EB provides additional protection for items in the home, furnaces and air condition (HVAC) systems in case of electrical or mechanical breakdown. What does equipment breakdown not cover? Normal wear and tear. This insurance can help cover equipment breakdowns in your home. For instance, if your appliances, furnace or HVAC system has a mechanical or electrical breakdown, normally with a $500 deductible. It can may also cover boilers and pressure system breakdowns on commercial properties. Heating, Air conditioning, furnaces and water heaters Refrigerators TV’s and Electronics Refrigerators, ovens and stoves Washers and dryers Home security systems Electrical systems Computers Well pumps Swimming pool equipment Garden tractors and riding lawn mowers</image:caption>
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    <lastmod>2020-12-22</lastmod>
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      <image:title>Pro Tips on Roofing Claims - Roofs are a big deal for insurance companies in Texas. Hail is not rare here. The form you buy — replacement cost or actual cash value — decides what you take home after the storm.</image:title>
      <image:caption>Texas Department of Insurance video about roof claims</image:caption>
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      <image:title>Pro Tips on Roofing Claims - Filing and contractors Call the office (or the carrier) before you sign a work order. Use local companies. Get more than one written estimate. Do not use a contractor who offers to waive your deductible. That is illegal in Texas. Do not pay the full job up front. Roofers cannot advertise that they will “handle your insurance claim.” Public adjusters are separate, and they cannot also do the repair.</image:title>
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      <image:title>Pro Tips on Roofing Claims</image:title>
      <image:caption>Questions about your roof? Just ask</image:caption>
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    <lastmod>2026-07-09</lastmod>
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