Bacon Bit: Understanding Hail

Hailstorms can strike quickly and leave behind thousands of dollars in property damage — but do you know how hail actually develops, and what you should watch out for when it comes to protecting your home?


🌩️ How Does Hail Form?

Hailstones form high in the atmosphere during strong thunderstorms. Rising air currents, called updrafts, lift water droplets high into the storm cloud where temperatures are below freezing. As these droplets freeze, the updraft can push them back up multiple times, adding layer upon layer of ice before the stones become too heavy and fall to the ground.

The size of the hailstones depends largely on the barometric pressure and the strength of the updraft. The longer a hailstone gets pushed around in the storm, the larger it grows.


📏 How Hail Affects Your Property

When a hailstorm hits, it often leaves a clear, defined swath that can be miles long but very localized — meaning one part of a house can be damaged while another side remains untouched. This is because hailstorms have well-defined perimeters and hail can fall unevenly.

Insurance policies typically provide coverage for accidental direct physical damage, which includes damage from hail. Commonly affected areas include:

  • Roofs
  • Gutters and downspouts
  • Windows and siding
  • Mailboxes, fences, decks, and AC units

🏠 Roofing Materials and Hail Damage

Not all roofing materials hold up the same way under a hailstorm. Asphalt shingles, for example, are especially prone to granule loss, cracking, and puncturing from hail impact. Even more robust, impact-resistant roofs (sometimes called 40–50 year shingles) are thicker but can still sustain damage — and they generally come at a higher cost to install or replace.

Beyond visible dents or cracks, hail can also weaken the structural integrity of roofing materials and other exterior elements, leaving your home more vulnerable to future weather damage.


📝 How Insurance Adjusters Handle Hail Claims

From an insurance adjuster’s perspective, hail is actually one of the easiest perils to assess. That’s because all homes within the storm’s radius usually experience the same type of damage. This consistency helps streamline the process of evaluating and pricing claims, making it easier for homeowners to get repairs underway quickly.


🛑 Beware of Door-to-Door Contractors

It’s very common for contractors to knock on homeowners’ doors after a hailstorm, offering a free inspection for roof damage. While it’s smart to check your roof’s condition if you suspect hail damage, it’s even more important to do it safely and wisely.

Always choose a local, reputable roofer or contractor — one who is properly insured and well-reviewed. This helps protect you from poor workmanship or fraudulent repairs.


The Bottom Line

Hailstorms can cause unexpected damage to your home, but understanding how hail forms and how it impacts your property can help you prepare.

If you think your home may have hail damage, inspect it promptly and work with trusted local professionals — and always keep your homeowners insurance up to date to ensure you’re protected from this common weather risk.

Have questions about how hail damage is covered under your policy? Contact our office today — we’re here to help you safeguard your home and belongings from whatever Mother Nature sends your way.

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Bacon Bit: The Importance of Keeping Your Jewelry Appraisals Up to Date

When was the last time you had your valuable jewelry appraised? Whether it’s an engagement ring, a family heirloom, or a fine watch, staying on top of your jewelry appraisals is one of the smartest ways to protect your investment and your peace of mind.

Why an Updated Appraisal Matters
Jewelry values don’t stay the same forever. The price of gold, diamonds, and gemstones can fluctuate significantly over time. If your appraisal is over 5, 10, or even 15 years old, you could be underinsured — which means you may not receive the true replacement value if you ever need to file a claim. An updated appraisal ensures your insurance accurately reflects the current market value of your pieces. This means you’ll get the right amount to repair or replace your jewelry in case of loss, theft, or covered damage.

Could an Updated Appraisal Save You Money?
Here’s something many people don’t realize: if the value of your jewelry has decreased, an updated appraisal could actually reduce your insurance premiums. Since your coverage amount is based on the appraised value, a lower value means it may cost less to insure — putting money back in your pocket while keeping you properly protected.

Are You Relying on Your Homeowners Insurance?
Many homeowners assume their jewelry is fully covered under their standard homeowners insurance policy, but that’s not always the case. Most home policies cover personal property up to a certain limit, but they typically have a sub-limit for jewelry, which can be as low as $1,000.
This means if your $10,000 ring is stolen, you might only receive $1,000 — and that’s before your deductible applies.
Additionally, if your jewelry isn’t specifically scheduled (listed) on your policy, losses like mysterious disappearance — when a piece simply goes missing — often aren’t covered at all.

Schedule Your Jewelry for Better Protection
To ensure you have the right coverage, talk to your insurance agent about scheduling your valuable jewelry on your homeowners or renters policy. This often provides broader protection, including coverage for mysterious disappearance, and eliminates your deductible for jewelry claims.

Protect What Matters Most
Your jewelry holds not only financial value but also sentimental meaning. Don’t leave its protection to chance — make updated appraisals a regular part of your insurance plan.
Need help reviewing your current jewelry coverage or finding a trusted appraiser? Contact our office today. We’re here to help you make sure you’re properly covered, no matter how much your treasures are worth.
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When is the Right Time to Update Your Life Insurance Policy?

Life insurance policyholders face numerous decisions throughout the year, but one of the most important is knowing when to update their policy. At Bacon Insurance Group in Richmond, VA, we can help make the process smoother by offering guidance on when and how to make changes to your coverage.

When to Update Your Life Insurance Policy

Major Life-Changing Events

It’s recommended to review and update your life insurance policy at least once a year. However, if that’s not feasible, consider making updates after significant life events have occurred. These events might include getting married, filing for divorce, the birth of a child, buying a home, or receiving a substantial salary increase. These milestones not only mark essential changes in your life but also serve as reminders to reassess your insurance needs.

For example, after your honeymoon, you may want to adjust your life insurance coverage by adding your spouse as a beneficiary. Divorce provides an opportunity to reflect on your new family dynamic and make necessary changes to your policy. Having children introduces new financial responsibilities, which often require increased coverage. Buying a home adds debt that may impact the amount of coverage you need. Similarly, a salary increase opens new opportunities and may influence your insurance requirements.

Changing the Beneficiary of Your Life Insurance Policy

Life changes constantly, and so do the circumstances surrounding your insurance needs. Choosing a beneficiary for your life insurance policy can be challenging, especially with evolving family dynamics. For instance, after getting married, you may want to designate your spouse as the primary beneficiary. Conversely, a divorce offers a chance to reevaluate your choice and make adjustments as needed.

Make Updating Your Policy Simple

Life insurance is essential for everyone, but updating your policy doesn’t have to be complicated. At Bacon Insurance Group in Richmond, VA, our team is here to assist you in making changes as simply and stress-free as possible. Call us today to schedule an appointment and ensure your policy reflects your current needs.

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What is the Minimum Coverage Required for a First-Time Driver?

Congratulations on passing your driving test and obtaining your new license. The next step is to secure insurance so you can confidently navigate the roads of Richmond, VA. Bacon Insurance Group can assist you in acquiring the minimum coverage required by state law.

Understanding First-Time Insurance Coverage

Virginia has clear insurance requirements for all drivers, including those who are newly licensed.

To comply with state law, every individual with access to a vehicle must adhere to the current policies that took effect from January 1, 2025, and any subsequent updates.

In simple terms, first-time drivers are required to carry a minimum of $50,000 to cover death or injury to a single person. If an accident results in death or injury to two or more people, the limit is $100,000. For property damage or injury to other persons, the limit is $25,000.

With the minimum coverage, you’ll have insurance to cover injuries and damages to other drivers in the event of an accident for which you are responsible. If you’re concerned that the state’s minimum coverage may not be sufficient, our agent can discuss options to increase your coverage.

Get in Touch

As a first-time driver, our team at Bacon Insurance Group wants to ensure you have the necessary coverage to drive with confidence. When you speak with one of our agents, we’ll inform you about additional coverage options and explain the consequences of not carrying at least the state-required minimum. Contact us so we can guide you towards safer driving.

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Can Commercial Insurance Help Your Business? Here is What You Should Know

Business owners often face numerous questions and decisions. The saying ‘the buck stops here’ rings particularly true for anyone who owns a company. Among the many decisions business owners make, one of the most common questions is how to protect their companies. For many owners, this question translates to whether commercial insurance can help protect their business. Questions like these are a few of the reasons why business owners in the Richmond, VA area rely on the experienced and professional team at the Bacon Insurance Group for all their commercial insurance needs.

Here’s What You Should Know About How Commercial Insurance Can Help Your Business

Is my company large enough to require commercial insurance? Can commercial insurance cover risks specific to my industry? Is commercial insurance suitable for small businesses? These are a few of the many common questions business owners ask about the benefits of commercial insurance.

The good news is that that, in nearly every type of business structure, and regardless of a company’s size, commercial insurance can be beneficial. That’s why it’s a good idea to discuss commercial insurance solutions for your business with professional and reputable agents for all your commercial insurance questions and concerns.

Commercial Insurance Solutions for Richmond, VA Area Business Owners

If you’re a business owner in or around the greater Richmond, VA area and want to learn more about how the right commercial insurance solutions can benefit your company, we can help. Contact us to learn more and schedule an appointment today with our proven and professional team of agents at Bacon Insurance Group for the protection and commercial insurance solutions your business needs and deserves.

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Are You Responsible If a Fire from Your Home Spreads to a Neighbor’s House?

A house fire is one of the most devastating events a homeowner can experience. But what happens if the fire doesn’t just damage your home, but also spreads to a neighbor’s house? Could you be held responsible for the destruction beyond your property? At Bacon Insurance Group in Richmond, VA, we help homeowners understand their coverage and potential liabilities so they can be prepared for the unexpected.

When Might You Be Liable for a Fire That Spreads?

In most cases, homeowners are not automatically responsible for fire damage to neighboring properties. Insurance policies typically cover accidents, meaning that if a fire started in your home due to an unforeseen event, like an electrical malfunction or a kitchen mishap, your neighbor’s insurance would likely cover their own damages.

However, if the fire was caused by negligence, the situation changes. If you left candles burning unattended, failed to maintain faulty wiring, or neglected fire hazards that you were aware of, you could be found liable for the damages. In these cases, your homeowners insurance may help cover the costs, but only if you have sufficient liability coverage.

How Can You Protect Yourself?

The best way to safeguard yourself from financial responsibility is by ensuring your homeowners insurance includes adequate liability coverage. This can help protect you if a fire from your home causes damage to others. Regular home maintenance, fire prevention measures, and open communication with your insurance provider are also key.

Secure the Right Coverage Today

Fire damage can be unpredictable, but your insurance coverage shouldn’t be. Bacon Insurance Group in Richmond, VA, can help you find the right homeowners policy to protect you and your property. Contact us today to review your options and gain peace of mind.

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Unexpected Ways Life Insurance Supports Your Family Beyond Payouts

If you’ve taken out life insurance, it means you’re taking responsibility and have a desire to care for your loved ones after you’ve passed on. If you’re still on the fence about life insurance, you might find it’s time to take the leap and get coverage after learning about the unexpected ways life insurance supports your family beyond payouts. As your insurance representative at Bacon Insurance Group serving Richmond, VA, we want you to know that life insurance policies can also offer support in legal matters, grief counseling, legacy planning, and more.

Legal Support

When a family member passes away, legal issues can quickly become overwhelming, especially when it comes to executing the will and managing the estate. Some life insurance policies include access to legal advice services, which can guide beneficiaries through probate, estate planning, and other legal proceedings.

Grief Counseling

The emotional impact of losing a loved one cannot be overstated. To help families cope with loss, many life insurance companies provide grief counseling services. These services offer professional emotional support through counseling sessions that help individuals and families navigate their grief, promoting healing in a time of distress.

Legacy Planning

Life insurance can play a crucial role in legacy planning by providing the funds necessary to fulfill the deceased’s lasting wishes. This might include charitable giving, funding education for grandchildren, or continuing a family-owned business. Insurance payouts can ensure these plans don’t go by the wayside because your family can’t afford to keep them going.

Life insurance, available through Bacon Insurance Group serving Richmond, VA, goes beyond mere financial assistance. It provides a broader approach to caring for your family, ensuring they have the resources to manage legal complexities, cope with emotional difficulties, and honor your legacy long after you’re gone.

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Can You Switch Auto Insurance Providers Mid-Policy? A Guide to Changing Coverage

Are you stuck with an auto insurance policy you’re not happy with? Many drivers believe that they are locked in until renewal, but the truth is that switching providers mid-policy is easier than you think. Whether you’re looking to improve your coverage or want a better rate, switching may be the solution for you.

Why Switch Providers?

Switching auto insurance providers mid-policy may make sense in certain situations, such as if you find better rates with a competitor. You may also choose to switch providers if you experience poor customer service or discover another provider that is offering more comprehensive coverage options better tailored to your needs.

Life changes, such as purchasing a new car or moving to a new state with different insurance requirements, may also prompt a mid-policy switch of providers. Whatever the reason, switching may help you save money and gain peace of mind.

How to Switch Providers Mid-Policy

Making the switch to a new provider mid-policy is often a straightforward process. Start by reviewing your current policy to check for potential early cancellation fees or refund policies. Next, shop around for a new policy by comparing rates, coverage options, and customer reviews to find the best fit.

Once you’ve chosen a new provider, secure the policy before canceling your old one to avoid a lapse in coverage. Finally, notify your current insurance provider about the cancellation and have it confirmed in writing.

Get Auto Coverage in Richmond, VA

Switching auto insurance mid-policy is entirely possible and often beneficial. At Bacon Insurance Group in Richmond, VA, we offer comprehensive auto policies to fit the unique coverage needs of drivers. Contact Bacon Insurance Group today to learn more about our products or to request a quote.

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Running a Side Hustle? When Do You Need to Change From a Traditional Auto Insurance Policy to a Commercial Auto Insurance Policy?

Side hustles are more popular than ever, whether you’re delivering groceries, driving for a rideshare service, or running your own small business. At Bacon Insurance Group in Richmond, VA, we’ve seen many entrepreneurs start out thinking their personal auto insurance is enough to cover their vehicle use. However, there’s a point where your side hustle might require you to switch to a commercial auto insurance policy.

Understanding the Difference Between Personal and Commercial Auto Insurance

Traditional auto insurance is designed for personal use—commuting, errands, and the occasional road trip. But when your vehicle becomes a tool for business, the risks change. Whether you’re delivering packages, transporting clients, or using your car to advertise your services, your personal auto policy may no longer provide the coverage you need.

Commercial auto insurance is specifically designed to protect vehicles used for business purposes. It offers broader coverage for accidents, liability, and damage that can occur while you’re working. Without the right policy, you could face denied claims or even policy cancellation if your insurer finds out you’re using your car for business.

Knowing When to Make the Switch

If your vehicle is essential to your side hustle—whether you’re driving daily or just a few times a week—it’s time to talk to your insurance provider. Even part-time business use can exceed the limits of a personal policy. Commercial auto insurance can provide peace of mind, ensuring your vehicle and business are protected.

Protect Your Growing Business

At Bacon Insurance Group in Richmond, VA, we’re here to help side hustlers and small business owners find the right coverage. Contact us today to discuss whether a commercial auto insurance policy best fits your business needs!

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Things home insurance won’t cover

Home insurance offers a wide selection of protection for your home. It shields you from the consequences of fires, tornadoes, and many other hazards. It provides protection when you get sued and offers you a place to live if your home is damaged. However, it does not cover everything that could go wrong. At Bacon Insurance Group in Richmond, VA, our agents represent many different carriers, which allows us to offer more choices and better rates.

Despite the many things that home insurance covers, there are some things that it won’t cover.

Earth movement

Several different things come under the category of earth movement. If your home is damaged by an earthquake, sinkhole, mudslide, or landslide, the damage will not be covered by a traditional home insurance policy. However, you can get coverage for these things from your insurance agent.

Floods

Floods are one of the most common natural disasters. Thousands of people suffer from devastating losses due to floods every year. Floods that result from surface water are not covered by home insurance. Flood insurance is available through the NFIP. This is available through your independent insurance agent.

Owner neglect

Owner neglect might sound like you are letting your home run to rack and ruin, but it doesn’t need to be nearly as extreme as that. If your roof is old, and you are not getting it replaced, that is neglect. If you end up with termites, that is neglect. You should have gotten your home treated. Your insurance company expects you to do the basic repairs that are needed to your home to avoid damage.

Aggressive dog breeds

If you are considering getting a dog, check with your insurance agent to ensure it is a covered breed.

Bacon Insurance Group in Richmond, VA is here for you when you are ready to discuss your home insurance coverage. Our independent agents are here for you.

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