insurance

Does Your Home Insurance Cover Roof Leaks and Roof Damage?

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If you own a home in Senatobia, MS, you may be wondering the extent of your coverage, especially if you’re a long-term homeowner. From stoma damage to heavy rainfall, knowing how much your existing policy covers is crucial. At Storey Insurance, we specialize in providing our clients with the guidance necessary to fully protect their investment.

Does Your Home Insurance Cover Roof Leaks and Roof Damage?

In many instances, your existing home insurance policy does cover roof damage and leaks caused by storms or excessive rainfall. It’s important to note which types of damage are covered when settling on a policy.

When Roof Damage Is Covered

Roof damage is generally covered when there is:

  • Wind damage
  • Hail damage
  • Falling debris or trees
  • Storm-related water leaks

When Roof Damage Isn’t Covered

Unfortunately, there are also times when standard home insurance policies do not provide the outcome a homeowner or investor desires. Some instances where home insurance does not cover roof leaks and damage include:

  • Wear and tear: When the roof has been deteriorating naturally, you may not be covered. 
  • Neglect: A lack of maintenance and neglect can indicate that your claim may not be covered.
  • Preexisting damage: If there is preexisting damage to your home, you may be out of luck. 
  • Installation or contractor errors: If the damage was caused by poor workmanship, you may not have coverage. 

If you’re interested in protecting your roof from storm damage and leaks, we’re here to help. To learn more about your options and get a quote, contact Storey Insurance. We’re currently serving Senatobia, MS. 

Auto Insurance Considerations for A Preowned Vehicle

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Assessing a preowned vehicle that you plan on purchasing will help you determine the amount of auto insurance you need. Use the tips below to assist with this task.

Usage Considerations

The intended use of a vehicle could influence the amount of coverage you need. Some vehicles are equipped to handle large loads of cargo, which could make it necessary to carry additional insurance coverage.

Auto insurance that is designed to protect personal property would safeguard any items that are stowed within the cargo area. If you are involved in an accident and some of your possessions are damaged, the insurance may cover the cost of repairing or replacing the items that have become compromised.

When you assess a preowned vehicle, think about how you would use it for your personal needs.

Vehicle Accessories

Inspect the accessories that the preowned vehicle is equipped with. Stereo equipment, towing equipment, lighting, and other accessories of value could become damaged during an accident or burglary.

Adding the items of value to your auto insurance policy will ensure that you have adequate coverage if any of the items are damaged or stolen at a later time.

Maximum Speed and Overall Value

The maximum speed that a preowned vehicle is capable of may influence how safe you are while driving. And the overall value of the vehicle could affect the amount of coverage you need. During your assessment, consider account how well the vehicle was maintained by the original owner. 

Auto Insurance Support

One of our Storey Insurance agents will prepare your auto insurance documents for you. Contact an agent who serves Senatobia, MS, for further assistance with your personal insurance policy. They’ll be ready to assist you.

Injury Trends Are Climbing in Senatobia: Is Your Business Covered?

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Slips, strains, and repetitive stress injuries may not make headlines, but they can lead to payouts you might be responsible for. These types of injuries are on the rise in Senatobia, MS.

From warehouse floors to restaurant kitchens, from office chairs to job sites, one pattern is becoming hard to ignore: employee injuries are no longer flukes, they’re signals. For local business owners, the cost of ignoring these signals isn’t limited to medical bills. It includes litigation risks, downtime, damaged morale, and, worst of all, preventable consequences.

Behind the Numbers: What’s Driving the Increase?

Mississippi has consistently ranked high in workplace injury rates, but in Senatobia specifically, several factors are amplifying risks:

  • A local labor force that’s multitasking across multiple job roles
  • Aging equipment in small businesses that is overdue for upgrades
  • Seasonal hiring spikes, especially in logistics and food service, where training is often skipped to save time

The result? Accidents that don’t just harm employees, but also disrupt operations.

Where Commercial Insurance Fits In

Commercial insurance isn’t just a requirement; it’s a risk management strategy.

At Storey Insurance, we work with business owners across Senatobia, MS who thought they were adequately covered until a routine injury turned into a six-month scramble. Liability gaps, lapsed workers’ compensation riders, and insufficient protection for temporary staff are not hypothetical issues. They are real problems that often go unnoticed until after a claim is filed.

A strong commercial policy doesn’t just help after an injury occurs. It sends a message beforehand: We’re prepared, we’ve built a buffer, and we won’t let one accident derail everything.

You Can’t Prevent Every Accident, But You Can Be Ready for All of Them

No policy can make your workplace completely accident-proof, but the right commercial coverage can prevent a single incident from becoming a breaking point.

If you’re managing a team in Senatobia, MS, even just a few employees, it’s time to reassess your risk posture. When injury trends start climbing, standing still becomes a liability in itself.

At Storey Insurance, we help Senatobia businesses rethink their commercial insurance strategies before injuries occur, so you’re not left reacting when it’s already too late.

Let’s take a close look at your current policy. You’ll either walk away more confident or better protected.