Want a FREE $10,000 to replace your roof? But do you need to...

I have been having a lot of people asking lately about the FREE $10,000 GRANT from  Strengthen Alabama Homes.

I have actually been through most of this process so I wrote about my experience:

First let me state a few basic bits of info.
1 - If you don't need a new roof then just stop reading and forward this to someone that does.
2 - My experience is based on a 2,200 square foot 1 story home that has an A frame (Gable) roof.
3 -  If you are not organized then this may be a little harder for you. There is a lot of follow up and back and forth with emails to the people at Strengthen Homes(State), Contractors, Surveyors...
4 - You need to be a little informed with how to use a scanner to input the needed documents like taxes, homeowners insurance, ID...

The quick info:

After putting in all my info and going back and forth via email I had a surveyor come out to my house to see what it needed to get my home to the 'Silver" level of Fortified Home. This is a fee you have to pay so expect to come out of pocket from $250 - $350. Once he came out he sent my info to the contractors I chose. Once they came out I had bids from $30,000 to $13,800. At the end of the day my roof has 7 - 15 years of life left in it and I am not experiencing any MAJOR leaks so even with the $10,000 grant, why would I pay $3,800 since I don't need one.  However, if I did need one then this would be a huge blessing and I would for sure move forward and get a new roof. Had I moved forward I would have had to pay immediately the contractor to get started. The Bid is good for 6 Months


For all other info and to get started go to The Strengthen Alabama Homes Grant

Michael Fillers, CPIA, NFIP
Morris Insurance Agency, LLC

3032 Dauphin Square Connector

Mobile, AL 36607

D.251-473-5119/F.251-473-6301/C.251-753-8011

Email: mjfillers@morrisinsmobile.com

Web: www.MichaelFillers.com

How I met JESUS in the flesh and HE saved me:

WRITTEN - http://mjfillers.blogspot.com/2014/09/how-i-met-jesus-and-he-saved-me.html

AUDIO - https://soundcloud.com/michael-fillers/michael-fillers-testimony-hot-dogs-at-the-hank-05-14-2015

Matt 24:46-47-"Blessed is he whom his master will find at work when he arrives. Truly I tell you, he will put that one in charge of all his possessions."

This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system.”

What do Commercial Automobile Symbols Mean???

What do Commercial Automobile Symbols Mean???

Below is a brief description of what the symbols mean. It is imperative that you understand these symbols to ensure that you are properly covered. For Liability you have symbols 1 - 9.  For you Physical damage coverage you will have Symbols 1-5.

At times, there may not be an applicable symbol for the type of coverage provided. In those instances, a special symbol is used and added to the policy by way of an endorsement. The endorsement will contain a complete description and explanation of the symbol’s meaning, and the symbol will also appear with the applicable coverages on the policy.

Consult The Insurance Guy Michael Fillers to make sure you are covered properly.

 Liability Coverage Auto Symbols

• 1 = Broadest symbol; covers any “auto.” (ANY AUTO)
• 2 = Covers any “auto” owned by the insured, including those attained after the policy begins. It also applies to trailers used with owned vehicles. (OWNED AUTOS ONLY)
• 3 = Covers only private passenger “autos” owned by the insured. (OWNED PRIVATE PASSENGER AUTOS ONLY)
• 4 = Covers all “autos,” other than private passenger vehicles owned by the insured. This includes vehicles that are attained after the policy begins and also applies to trailers used by an owned vehicle. (OWNED AUTOS OTHER THAN PRIVATE PASSENGER AUTOS ONLY)
• 5 = Applies to “autos” owned by the insured that are garaged or licensed in no-fault benefit law states. (OWNED AUTOS SUBJECT TO NO-FAULT)
• 6 = Applies to “autos” that are garaged or licensed in states where uninsured motorist coverage is required. (OWNED AUTOS SUBJECT TO A COMPULSORY UNINSURED MOTORIST LAW)
• 7 = Covers only the “autos” and trailers listed on the policy. (SPECIFICALLY DESCRIBED AUTOS)
• 8 = Covers “autos” that the insured leases, hires, rents or borrows for their own use. It does not cover “autos” that are leased, hired, rented or borrowed for employee or family member usage. (HIRED AUTOS ONLY)
• 9 = Covers “autos” that the insured does not own, lease, hire, rent or borrow, but are used for business purposes. These “autos” may be owned by employees or family members, but must be used for the insured’s business or personal matters. (NON-OWNED AUTOS ONLY)

Physical Damage Coverage Automobile Symbols

• 1 = Covers “autos” owned by the insured, including those attained after the policy begins. (OWNED AUTOS ONLY)
• 2 = Covers only private passenger “autos” that are owned by the insured. (OWNED PRIVATE PASSENGER AUTOS ONLY)
• 3 = Covers all “autos” (other than private passenger vehicles owned by the insured. (OWNED AUTOSOTHER THAN PRIVATE PASSENGER AUTOS ONLY)
• 4 = Applies to “autos” that are listed on the policy. This also covers trailers used with a listed vehicle. (SPECIFICALLY DESCRIBED AUTOS)
• 5 = Covers “autos” that the insured leases, hires, rents or borrows for his/her own use. This does not cover “autos” leased, hired, rented or borrowed for use by an employee or family member. (HIRED AUTOS ONLY)

Thanks for reading!

Michael Fillers, CPIA, NFIP
Morris Insurance Agency, LLC

3032 Dauphin Square Connector

Mobile, AL 36607

D.251-473-5119/F.251-473-6301/C.251-753-8011

Email: mjfillers@morrisinsmobile.com

Web: www.MichaelFillers.com

How I met JESUS in the flesh and HE saved me:

WRITTEN - http://mjfillers.blogspot.com/2014/09/how-i-met-jesus-and-he-saved-me.html

AUDIO - https://soundcloud.com/michael-fillers/michael-fillers-testimony-hot-dogs-at-the-hank-05-14-2015

Matt 24:46-47-"Blessed is he whom his master will find at work when he arrives. Truly I tell you, he will put that one in charge of all his possessions."

This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system.”

Other good info/sources:

http://www.independentagent.com/Education/VU/SiteAssets/Documents/ISO/CA/CA00010306.pdf

http://www.assuredptrnl.com/using-covered-auto-symbols-for-commercial-auto/6582

http://www.clarkeandsampson.com/blog/commercial-automobile-policy-symbols-what-do-they-mean

In AL, how long can you drive with an Expired Licensed...

In Alabama, how long can you drive with an Expired Licensed...

Expired Driver's License

If your AL driver's license has been expired for no more than 3 years, you can renew it without examination.

Please remember you can only drive with your expired driver's license in Alabama as long as it's within the grace period of 60 days. After that, you can no longer legally drive.

For more info or questions... http://www.dmv.org/al-alabama/renew-license.php

Michael Fillers, CPIA, NFIP
Morris Insurance Agency, LLC

3032 Dauphin Square Connector

Mobile, AL 36607

D.251-473-5119/F.251-473-6301/C.251-753-8011

Email: mjfillers@morrisinsmobile.com

Web: www.MichaelFillers.com

How I met JESUS in the flesh and HE saved me:

WRITTEN - http://mjfillers.blogspot.com/2014/09/how-i-met-jesus-and-he-saved-me.html

AUDIO - https://soundcloud.com/michael-fillers/michael-fillers-testimony-hot-dogs-at-the-hank-05-14-2015

Matt 24:46-47-"Blessed is he whom his master will find at work when he arrives. Truly I tell you, he will put that one in charge of all his possessions."

This message contains confidential information and is intended only for the individual named. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system.”