Does Homeowners Insurance Cover Hail Damage to My Roof?
The short answer: hail damage to your roof is typically covered under a standard homeowners policy, since hail is one of the classic perils home insurance is built for. But the details matter more than most homeowners realize, especially how your deductible works, how old your roof is, and how your specific policy handles roof […]
Why Insurance Is a Scam (And Why You’re Wrong About That)
I’ve been in the insurance business long enough to know that almost everyone, at some point, has called it a scam. Maybe you’ve said it yourself — probably after your premium went up for no obvious reason, or after you filed a claim and got less than you expected. I get it. The frustration is […]
Should I File an Insurance Claim or Pay for Repairs Out of Pocket?
One of the most common questions we hear at Bucklew Insurance is: “Should I file a claim, or should I just pay for this repair myself?” It’s a fair question—and an important one. Filing an insurance claim can help protect your finances after a loss, but in some situations, paying out of pocket may actually […]
Market Value vs. Replacement Cost: What Springboro Homeowners Should Know
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ACV vs RCV Roof Coverage in Ohio: What Fannie Mae’s 2026 Rule Change Means for You
For most of 2024 and 2025, Ohio homeowners with a Fannie Mae-backed mortgage had no choice: their insurance policy had to cover the roof on a replacement cost basis, or their lender could force-place far more expensive coverage. That mandate is gone. On March 18, 2026, Fannie Mae issued Lender Letter LL-2026-03, reversing the 2024 […]