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This week and the weeks following, we will discuss important endorsements to home policies that may save your family lots of time, money, and aggravation in the event of a claim.

Picture this. It’s 2015, and Hurricane Dustin comes hurdling up the Mississippi and pummels Baton Rouge, Ascension, and Livingston worse than Andrew. Hundreds of homes are damaged by wind and fallen trees. Home Depot and general contractors decide that because demand is so high, they can drive the price up on building materials and their labor. This is a time when increased replacement cost on dwelling might be absolutely necessary. Increased replacement cost on dwelling extends the limit of Coverage A (dwelling structure) between 10-25% depending on the carrier. When it comes to replacing your home you never want to be short on cash. Call your Bourg Insurance agent and make sure you have this important endorsement!

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