My folks actually started doing that after insurance gave them the runaround post-hurricane. They stash a bit away each month, and honestly, it's saved their butts more than once. Insurance is still handy, but having cash ready for emergencies...pretty smart move imo.
Yeah, insurance can be a headache sometimes, especially after big storms. Setting aside cash is definitely smart—seen plenty of folks caught off guard waiting on claims. Just make sure they're keeping enough handy for major roof repairs...those costs can sneak up quick.
Had a client last year who thought insurance would cover everything, but ended up paying nearly $8k out of pocket for roof damage. Materials alone can spike after storms due to demand, so budgeting extra is definitely wise.
Yeah, insurance can be tricky like that. Had a neighbor who went through something similar—thought he was covered for everything, but ended up shelling out thousands extra because of some fine print about "storm surge" vs. "flooding." Go figure, right?
Honestly, this is why I'm always nudging people toward green roofing options. Sure, upfront costs can be a bit higher, but long-term, they hold up surprisingly well against storms and extreme weather. Plus, you don't get hit as hard by those crazy price spikes on traditional materials after a big storm rolls through. I mean, have you seen the price of shingles after a hurricane? It's like toilet paper during lockdown... everyone scrambling and prices through the roof (pun intended).
Anyway, budgeting extra is definitely smart advice. Storms are unpredictable enough without surprise bills sneaking up on you afterward.
Yeah, totally agree on budgeting extra—learned that the hard way myself. After our first big storm, we thought insurance had us covered, but nope... ended up paying out-of-pocket for tree removal and fence repairs. Definitely pays to read that fine print carefully.
