A new purchase changes the information set
Closing dates, lender requirements, occupancy, prior claims, property details and rebuilding assumptions may all matter.
Renovations deserve a coverage review
Changes to square footage, use, materials or structures may affect what should be discussed with a licensed producer.
A nonrenewal has its own timeline
Read the notice, identify its effective date and reason, confirm appeal or correction options and begin licensed review early.
Replacement cost is not the market price
Insurance rebuilding estimates and a property sale value answer different questions. Confirm the method used in the actual policy review.