You may feel as though you are paying a lot of money and never using your insurance. Not all insurance companies or policies are the same; there are many factors that differentiate them from each other. To make sure you’re getting the most out of your insurance, these are some of the best questions to ask your Insurance Agent What coverage do I need? For example, flood and earthquake damage insurance are not covered in a standard policy. For more information visit our blog post: Natural Disasters – Are you Covered? What are the limits on an additional policy? What is my deductible? Will there be multiple deductibles based on the cause of the claim? What discounts do you offer? Are there any exclusions on my policies? What are your payment options? How do you assess the value of my home? How do you determine the cost of rebuilding my home verses the sale price? Do you have a 24 hours claims service? Do you have local field adjusters or does the company utilize independent adjusters? What is my risk assessment? Next time you’re chatting with your insurance agent, make sure you truly understand your insurance policy. If you’re unsure, print off this list of questions to ask your insurance agent. About Woodard Cleaning & Restoration Woodard Cleaning & Restoration was founded in 1946 by Earl and Nancy Woodard. Located in St. Louis, Missouri, Woodard services the greater metro area (Illinois, St. Charles County, Jefferson County, St. Louis County, and many more). Woodard is proud to serve as the preferred provider for cleaning & restoration services. Our cleaning services include carpet, hard surface, furniture, and rug cleaning for both residential and commercial properties. We also provide water, fire, board-up, storm and smoke restoration services for residential and commercial clients. For information or questions submit a form online or call us at (314) 227-3932. Follow us on Facebook, Instagram, Pinterest, and Twitter.