Phoenix Associates

🛍️ July is Independent Retailer Month 🛍️
This month, we’re celebrating the heart of our communities - small, local businesses!
When you shop independent, you’re not just making a purchase… you’re supporting a dream,
a family, and your local economy.

Roof Series: Many carriers have strict cutoff points:
🔸 15–20 years for asphalt shingles
🔸 40+ years for metal roofs
🔸 20–30 years for tile
If your roof is older than their guidelines, the carrier might:
✔ Decline the policy
✔ Require documentation
✔ Offer actual cash value instead of replacement cost
✔ Request repairs before binding
Roof age = a major factor in getting covered.