Tammy Carmichael, an Executive Broker with TailGate Properties, emphasizes the importance of understanding homeowners' insurance policies, including the differences between "replacement cost" and "actual cash value" coverage, the need for coverage based on rebuilding costs rather than market value, and ways to potentially lower premiums, while offering her assistance for any related queries.

Tammy Carmichael, an executive broker at TailGate Properties, provides tips on upgrading your garage floor to add value to your home, suggesting considering its purpose, local weather conditions, the existing floor condition, and your budget, and presenting popular flooring options such as concrete sealers, epoxy coating, concrete stain, paint coatings, and interlocking flexible tiles.

After flood waters subside, document, work with your insurer, and clean up safely.

The secret to filing a successful disaster insurance claim is getting prepared long before catastrophe actually strikes your home.