
Earthquake insurance is separately endorsed and can be purchased alongside your standard homeowners/renters policy. This coverage typically excludes damage from floods and tidal waves—even when the flood is related to the earthquake.
Flood insurance is another separate policy offered by many providers. They are specifically designed to protect your home, building contents, and belongings in the event of a flood.
Let our professional agents and brokers help you find the right policy at affordable premiums. We serve the State of Washington, Seattle, Tacoma and the entire Puget Sound. Call Today 206-759-2566 for a quote and save money!
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Having the options to shop the insurance market helps our clients save precious premiums while providing the absolute best coverage available.
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With over 50 years of insurance experience. Our office of experienced agents and brokers can help solve your insurance problems.
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We Specialize With Family Owned Business
Small business is truly the lifeblood of this great country and our State. But we have the capacity to work with the largest business's in the State as well. Ask us to design a robust safety protocol for your business.
Call Today For A Quick Quote On All Your Insurance Needs. We Can Help With The Following.
Earthquake Insurance
Flood Insurance
Condominium Insurance
Homeowners Insurance
Renters Insurance

Homeowners usually get pushed into one of two bad extremes: replacing too soon, or repairing forever. The right decision comes down to pattern of failure, not just roof age.
Boise roofers hub: https://boiseroofers.net/boise-roofers

Choose repair when:
damage is localized (flashing, vents, small shingle sections)
roof structure is sound
roof still has meaningful life
Choose replacement when:
widespread damage or repeated leaks
near end-of-life roof
structural/decking issues
repair costs keep recurring
Emergency stabilization: https://boiseroofers.net/emergency-roofing
Is the leak localized or showing up in multiple spots?
Is the roof failing at flashing/penetrations only, or across fields/valleys?
Is decking solid, or soft/sagging?
Has it been repaired repeatedly in the last 1–3 years?
Is the roof near typical lifespan for its material?
A single leak doesn’t mean replacement. A failure pattern does.
Freeze/thaw cycles, wind events, and snow load shifts stress:
ridge lines
valleys
flashing edges
penetrations (vents/chimneys)
If these are repeatedly failing, replacement may be smarter than recurring repairs.
Repairs are cheaper today. Replacements are cheaper long-term when:
repairs keep coming back
the roof has multiple weak points
there’s underlying deck damage
storm seasons are exposing failures repeatedly
If water is coming in, you stabilize first and decide next:
https://boiseroofers.net/emergency-roofing
A real assessment includes:
photos of damage
explanation of cause
repair option(s) where reasonable
replacement recommendation only when justified
written scope either way
Does a leak always mean replacement? No. Many leaks are repairable.
What if the roof is old but not leaking? Age alone isn’t failure. Condition matters.
Can repairs last? Yes—if the underlying roof is solid and the repair is done correctly.
Will insurance pay for replacement? Sometimes if storm damage is widespread and covered.
How do I avoid getting upsold? Ask for photos and a written explanation of why repair won’t work.