Monthly Archives: August 2024

How Long Can You Expect a Roof to Last?

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Understanding the Duration of Roof Lifespan in Wayzata, MN

Living in Wayzata, MN, we understand that the weather can severely impact our homes, particularly our roofs. At Pizano Insurance, we’re proud to provide many homeowners with insurance coverage. Our harsh winters with heavy snowfall, hot sun, and strong winds of summer storms undoubtedly take their toll on our roofs.

How Long Should a Roof Last in Our Area?

The durability of a roof depends on both the quality of the installation and the materials used. Here’s a quick overview:

Standard Asphalt Roofing Shingles

These are the most widely used roofing materials nationwide. Standard asphalt shingle roofs in Minnesota should last between 20 and 25 years when properly installed and maintained.

Metal Roofs

Modern metal roofs are increasingly popular due to their durability and aesthetic appeal. Available in a plethora of colors, metal roofs are expected to last anywhere from 25 to 35 years.

Tile, Slate, and Other Premium Materials

If you opt for a premium roof constructed from tile or slate, you can expect it to last between 30 to 40 years, potentially even longer.

The Importance of Maintenance

As a homeowner, it’s your responsibility to maintain your home properly. This includes regularly inspecting your roof and rectifying small leaks before they become problematic.

It should not be assumed that a roof will last forever. Like other components in your home, roofs are subjected to wear and tear. Proactive maintenance can help extend their lifespan.

Contact Pizano Insurance for a Quote Today

If you’re shopping for home insurance and a homeowner in Wayzata, MN, we invite you to contact us at Pizano Insurance for a price quote. After answering just a few questions, we can provide you with a quote. Reach out to us today.

Can You Obtain Insurance On a Car Prior to Buying It?

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Ensuring Insurance Coverage for Your New Car in Wayzata, MN

Buying a new car is a thrilling experience, but navigating the insurance process can be challenging. A common question we often encounter at Pizano Insurance in Wayzata, MN, is whether insurance can be obtained on a car before purchasing it. Our team is ready to help clients figure out how to drive off the lot fully insured.

Securing an Insurance Quote Before Purchasing a Vehicle

Yes, you can get an insurance quote before buying a car. You can request quotes from different insurers to get an idea of your potential premiums and factor that into your budget. To provide an accurate quote, you’ll need to know the car’s make, year, and VIN (Vehicle Identification Number), which is information that the dealer can typically provide.

Setting Up Coverage in Advance

Once you’ve decided you’ve got a car, you can arrange for your policy to start on the day you plan to buy the car. Many insurance companies allow you to set up your insurance in advance so that you’ll have coverage in place as soon as you finalize the purchase. Besides the details used for the quote, you’ll also need to provide your driver’s license information.

Understanding Temporary Coverage Options

If you’re trading your old car, your existing insurance policy might temporarily cover your new vehicle. However, this is usually only for a limited time and may not provide comprehensive coverage. It’s best to confirm this with your insurer to prevent any gaps in protection.

Secure Coverage Before Driving Your New Car

Ensuring your new car is insured before you drive it home is crucial for your peace of mind and legal protection. At Pizano Insurance, we’re here to ensure you’re adequately protected every step of the way. Contact us today to have your new vehicle in Wayzata, MN covered from day one.