I want to upgrade my house up a notch in the couple years and get a couple little extras like that.  

Thank you, Scott, for your thoughtful and detailed response!

This is the exact same approach we are taking - information has gone out a few times in our newsletters over the last year and a half, with more details available upon request, along with FYIs to clients at year end or other regular meetings. 

I appreciate all of the detail but what information was provided to the agent that wrote the policy?  

We here don't know the details of the damage.

You could post the job description being as detailed as possible.

You can find online mortgage calculators that allow you to play around and see what happens if you do an extra payment or increase your payments.

This will be based on the personal details of your business.

Even simple extras like local guidebooks or maps can make a big difference.

A few more details would be helpful.