Often a percentage of the dwelling limit, not a flat figure.
Age and settlement terms drive the outcome of a hail claim.
Reachable, and not a call center.
What we write
What we check on an Ohio house
- Whether wind and hail have their own deductibleMany policies here carry a separate one, often set as a percentage of the dwelling limit rather than a flat amount. On a large home that is a materially different number from the one people expect.
- How the roof is settled after hailReplacement cost or actual cash value, and whether the schedule depreciates by roof age. This decides most hail claims.
- Sewer and drain backupA small endorsement, routinely left off, and a common claim on older housing stock.
- That every discount is onImpact-resistant roofing, alarms, claims-free history, multi-policy.
About David Igono
David Igono is a licensed agent writing in Ohio from an office in Morgantown, West Virginia.
Licensed in
Experience
- Over 5 years of relevant experience
- Several years working in banking in the Morgantown area
In the community
- Chamber of Commerce
- Rotary Club of Morgantown
- Fellowship of Christian Athletes
Outside the office
- Attending WVU sports games
- History
Credentials and awards
- Best of Morgantown Insurance Agency
- Property and Casualty Insurance License
How it works
- Tell us about the propertyAddress, rough age, anything unusual.
- A licensed agent reviews itNot an automated estimate.
- Quote back within 24 hoursBy email, coverage written out plainly.
Common questions
Wind and hail are frequently written with their own deductible, and often as a percentage of the dwelling limit. It is worth knowing the figure before a storm, not after.
That depends on whether roof surfaces are settled at replacement cost or at depreciated value.
No.
Within 24 hours, by email, from the Morgantown office.
Our office
Morgantown, WV 26505
Request a quote
Enough to price it properly, nothing more. We never ask for your Social Security number or your current policy number.