Does anyone have advice on homeowner's insurance? Help!
Sorry for the long write-up, but the background story is important to the question.
My wife and I live in East Tennessee. We have been with Farm Bureau Insurance for both home and auto since March 2007, when we purchased our first home. We never had any issues. Our premium was low and the coverage was acceptable and all was well.
In May of 2011, we began searching for a new home. Our growing family had finally began to overfill our starter home. We had done a complete remodel and couldn't quite get what we wanted for it in a downed market so we opted to keep it and rent it out. However, later that same month, we suffered a massive hail storm. It damaged the roof to the point that it needed to be replaced. We had just put a new roof on it a few years prior (2008). We filed the claim like any normal person would do and had it replaced.