There's a photo of your roof that you've never seen. Your insurance company has seen it. That's how this works now. Before an insurer decides whether to keep covering your house, they look at it, and they're not just looking at the roof. They're looking at what's touching the house, what's sitting in the yard, and what got added on that nobody filed paperwork for. I'm Mac Rogers, a real estate broker. I walk through hundreds of homes a year, and I keep running into the same thing. People get a letter saying their policy isn't being renewed, or a renewal quote that doubled, and they have no idea what set it off. It's almost never a mystery. It's something on the house. In this video I go through ten things that get homeowners dropped or priced out of coverage. Some of them you can take care of this month. Some of them you're stuck with. Either way, you should know which ones are sitting in your house right now. What's covered: Trees and branches touching the roof The roof itself, both wood shake and asphalt The electrical panel Knob and tube and aluminum branch wiring Polybutylene and galvanized supply pipe The water heater Wood stoves and pellet stoves Buried oil tanks Pools, hot tubs, and trampolines Unpermitted work FREE CHECKLIST 10 Things to Know Before You Remodel https://bit.ly/4eC1RGM If this saved you a headache, hit like and subscribe. I put out honest, broker backed advice on how to take care of your house the right way. Drop a comment below and tell me which one of these is sitting on your property right now. Mac Rogers Real Estate Broker, CalBRE #01354261 brokermac@gmail.com 510 854 6723 Nothing in this video is insurance, legal, or financial advice. Underwriting rules vary by company and by state. Talk to your own agent or insurer about your specific policy. Welcome to Savvy Home Owner — where we help everyday homeowners make smarter decisions about their homes. From renovation mistakes to avoid, to upgrades that actually add value, we cover everything you need to know BEFORE you spend a dime. FREE GUIDE FOR HOMEOWNERS: 10 Things to Know Before You Remodel https://bit.ly/4eC1RGM New videos every week — hit that subscribe button so you never miss one! If you found this helpful, give it a thumbs up and drop your questions in the comments below. We read every single one. About Mac Rogers: With over 23 years of real estate experience, Mac has walked through thousands of homes and seen firsthand what makes a home gain value — and what kills it. On this channel he shares that insider knowledge so you can make smarter decisions as a homeowner. Have questions or want to reach Mac directly? Call or text anytime: 510.854.6723 Email: brokermac@gmail.com Broker | CalBRE: 01354261 Follow us: Instagram https://www.instagram.com/brokermac/ Disclaimer: Mac Rogers is not a tax accountant, attorney, or financial adviser. The information in these videos shall not be relied upon as tax, legal, or financial advice. If you need such advice, please contact a qualified professional. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video — it is for entertainment purposes only.