RECkoning with Real Estate – EP. 36 (Encore): Insurance Questions Homeowners Don’t Always Think to Ask

This episode originally aired February 1, 2026:

In this episode, we continue our conversation with Ben Feldman. This is an encore episode that was aired previously, but that we thought important enough to re-run! Ben is one of the owners of Active Insurance Solutions, an independently owned insurance company. In this episode, we unpack often-overlooked parts of homeowners insurance, including roof coverage, minimum deductibles, and common add-ons/endorsements. These details don’t come up often, but they’re helpful to understand ahead of time, before it may be too late. Find us at therecollab.com

A few key takeaways:

Home insurance should be reviewed annually, as coverage and risk change over time.
A sewer line inspection can help clarify responsibility before it’s too late! Don’t skimp out on getting this done.
When building your real estate team (insurance broker, real estate agent, mortgage lender, home inspector, title officer, and real estate attorney), look local. Find trustworthy people that are easily accessible so that you know exactly who you’ll be talking with every time.

Definitions:

Roof exclusions: Certain policies limit or exclude coverage for roof damage based on factors like age, material, or cause of loss. This can mean repairs are only partially covered—or not covered at all—depending on the situation.
Impact-resistant shingle classes: Roofing materials are rated based on how well they withstand hail and impact. Higher-rated shingles can reduce damage risk and, in some cases, influence insurance coverage or premiums.

Extras:

Ben Feldman – Partner of Active Insurance Solutions out of Chanhassen

REC Blog: Read about what makes REC different here.

AI Solutions Blog: How to protect your property for severe weather

Thank you to our Sponsors!
Taylor Hall @ Evergreen Collective

Matt Berna @ TruStone Home Mortgage

Ben Feldman @ Active Insurance Solutions

Find REC on YouTube