Episode 38: Fire, Flood, and Falling Trees – Are You Protected?

Natural disasters aren’t something we like to think about—until they happen. And by then, it’s too late to protect your home, your investment, or your peace of mind.

In this episode of Bricks, Bucks & Buying Power, we’re digging into the less glamorous (but critically important) side of real estate: risk, coverage, and disaster preparedness. Whether you’re a first-time buyer, long-time homeowner, or a real estate investor with multiple properties, the hard truth is this: standard insurance isn’t always enough.

What's Actually Covered (And What’s Not)

Joining us for this conversation is Joe Carter, a seasoned insurance agent and risk management expert who breaks down exactly what homeowners (and buyers) think is covered versus what actually is. Spoiler alert: fire? Yes. Floods? Not always. Falling trees? It depends.

We get into:

• The top overlooked insurance gaps that could cost you thousands

• Why flood insurance matters, even if you’re not in a floodplain

• What to ask your insurance agent before disaster strikes

• How investors can structure coverage across multiple properties

• And what to do right now if your property is vulnerable to fire, water, or wind damage

This episode is part cautionary tale, part practical checklist—because the reality is, most of us don’t realize what we’re missing until it’s too late. And with more frequent weather events and rising repair costs, being underinsured can be financially devastating.

A Quick Reality Check

Here’s the bottom line: Your home is likely your biggest asset. But in the insurance world, assumptions can be expensive. If you haven’t reviewed your policy in over a year, or if you’ve made upgrades like finishing a basement or adding an ADU, you might already be underinsured.

And if you’re an investor? Not all policies are created equal. Joe walks us through options tailored for rental properties, second homes, and even fix-and-flips.

Take Action Today

You don’t need to be an expert—you just need to ask the right questions. Start with these:

• Do I know my deductible for fire, wind, and flood claims?

• Do I have enough loss-of-use coverage if I can’t live in my home?

• Are my valuables (jewelry, art, electronics) properly covered?

• What happens if my tree damages a neighbor’s house?

If you couldn’t answer those confidently, this episode is your must-listen.

🎧 Listen to Episode 38 now and take the first step toward better protection.

Have questions about homeownership or investing? Want a second look at your property coverage or a referral to a trusted insurance pro in your area? I’m always happy to help—let’s connect.

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I am your local real estate expert Making Realty Dreams Reality. Give me a call at 978-855-9112 or fill out this contact me form to get started on your homeownership journey.