Uncover the Unexpected: How One Simple Change Could Save You Thousands on Insurance. Find out the surprising truth about impact-resistant roofing and the potential cost-saving benefits. Don't miss the chance to make a smart move for your home and your wallet – it's a game-changer!

This is Brad Bingham's story:

In this episode of On Top Of Roofing, guest Brad Bingham shares invaluable insights about the impact of deductibles on insurance premiums, drawing from over 25 years of experience in the insurance industry. Brad's emphasis on prioritizing relationships and personalized service over financial gains serves as a guiding principle in his approach to insurance, making his perspective a must-listen for homeowners and contractors looking to optimize their insurance coverage. The discussion covers various aspects, from the significance of roof inspections and different insurance coverage options to the complexities of navigating insurance claims. Brad's expertise and real-life examples provide practical tips for making informed decisions and understanding the nuances of insurance policies. By delving into the impact of deductibles on insurance premiums, Brad offers valuable insights that can help homeowners and contractors lower insurance costs through strategic choices. Tune in to gain a deeper understanding of the intricate relationship between deductibles, premiums, and optimizing insurance coverage.

My special guest is Brad Bingham

Brad Bingham boasts a 25-year tenure in the insurance industry, offering extensive expertise in insurance claims and homeowners' insurance needs. With a client-centered approach, he has gained recognition for providing tailored and informed guidance to homeowners and contractors. Through his comprehensive knowledge and commitment to client satisfaction, Brad has effectively assisted individuals in navigating insurance complexities, enabling them to make strategic decisions to enhance their coverage while minimizing premiums. His reputation as a trusted and reliable insurance advisor is underscored by his dedication to cultivating strong, enduring client relationships and consistently prioritizing their best interests.

In this episode, you will be able to:

• Understand How Personalized Service in Insurance Can Save You Money
• Discover the Key to Assessing Your Need Before Filing an Insurance Claim
• Unlock the Role of Insurance Agents in Maximizing Your Claims
• Master Understanding Insurance Policy Coverage Limitations for Optimal Protection
• Harness the Power of Deductibles to Lower Your Insurance Premiums

The key moments in this episode are:

00:00:00 - Introduction and Catching Up

00:07:21 - Importance of Relationships in Business

00:09:16 - Advising Clients on Filing Insurance Claims

00:11:15 - Considerations Before Filing a Claim

00:12:02 - Tightened Insurance Guidelines

00:12:44 - Impact of Inflation on Insurance Business

00:13:07 - Companies Ceasing Writing Business in Texas

00:14:12 - Consequences of Filing a Claim

00:16:26 - Importance of Roof Inspection for Insurance Policies

00:20:48 - The Role of an Insurance Agent

00:24:06 - Importance of Understanding the Claim Process

00:25:37 - Bridging the Gap Between Agency and Claims

00:26:22 - Trusting Contractors and Insurance Agents

00:27:45 - Challenges Faced by Adjusters

00:31:15 - Prioritizing Customer Trust and Credibility

00:35:19 - Identifying Roofing Insurance Gaps

00:38:00 - Impact of Roof Payment Schedule

00:42:53 - Selecting the Best Contractor

00:44:32 - Understanding Deductibles and Risk

00:46:21 - Long-Term Impact