Agent | Financial Advisor

Phil Hinrichs

Registered Representative
411 Grant Street Box 134
Holdrege, NE 68949-0134
Directions
Email
Request Quote
(308) 995-4041
Hours & Location
Email
Request Quote
(308) 995-4041
Hours & Location

Meet Phil

Farm Bureau Agent for 20 years

Hi, I'm Phil Hinrichs, an insurance agent with Farm Bureau Financial Services in Holdrege, NE. I’m here to help you protect what matters most in life. From auto and home insurance to farm and ranch insurance, life insurance and more, I can help customize your coverage to fit your specific needs. Together we’ll create a plan that’s right for you. It’s your future. Let’s protect it.®

For your insurance and financial service needs, call 308-995-4041.

More about Phil

Talk to Phil Hinrichs About Insurance & Financial Services Offered

Serving Holdrege, NE, and the surrounding area

Auto Insurance
Including cars, motorcycles, recreational vehicles, and roadside assistance
Business
Commercial business, home-based business, ag-based business, and more
Farm
Including property coverage, farm vehicle insurance, crop and livestock insurance
Health
Health coverage, disability income, long-term care insurance
Home
Including homeowner's insurance, renter's insurance, and condo insurance
Investments
Annuities, stocks & bonds, mutual funds, IRAs and more
Life
Term life, whole life, indexed universal life
Planning Services
Retirement planning, college planning, estate planning, and more
Request a Quote
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5 Kinds of Insurance Coverage Everyone Should Have
Learn about the 5 essential types of insurance: auto, home, health, life and disability. Protect yourself and your family with the right coverage for peace of mind.
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How to Fix Damaged Solar Panels
Solar panels can be a great investment, cutting down on your electric bills while providing energy in an environmentally friendly way. But they can be damaged.Hail, falling branches, electrical surges or water can cause cracked or broken solar panels. If that happens, follow these steps to get your damaged solar panels working again.1. Try to Figure Out What’s WrongIf you can see a cracked solar panel, the problem should be obvious. But maybe you’re noticing a decrease in the amount of energy your panels are producing without seeing any clear damage. In that case, you’ll want to determine what’s causing the problem. It could be:Dust or debris that needs to be cleaned off.Wiring or electrical issues.Wear and tear or damage from birds, squirrels or other animals could cause issues.Twisted frames from high winds.2. Check Your Warranty and InsuranceBefore you attempt a DIY repair, see what’s covered under warranty. You may have two separate warranties — one from the manufacturer and one from the company that installed your panels. If your damage is covered, you may only have to pay a small amount to have it repaired for you.If a storm or accident damaged your panel, check with your homeowners insurance agent to see if the cost of the repair is covered.3. Treat MicrocracksMicrocracks — small cracks in your solar panels — can get worse if you don’t take care of them. They can create space where water can enter the panels, which can damage them.You can use a laminating film, polyurethane or waterproof resin to make microcracks waterproof and keep them from spreading. Since these solutions are transparent, sunlight can still reach your panel.4. Get Help With Bigger BreakageFor solar panel crack repairs that are bigger than microcracks, you may need to have your solar panel professionally repaired. In that case, you’ll probably want to contact your installer or hire a reputable solar panel company to take care of it. It’s a big job to tackle on your own.If your solar panels are older, your repair company may recommend replacing them rather than repairing them.5. Take Steps to Prevent Future DamageWhen it comes to how to repair solar panels, ideally you can prevent future damage. Solar panels don’t need much maintenance, so preventative care is simple. Follow these steps to get the most from your solar panels:Inspect solar panels after storms or if performance is declining. Even without any issues, it’s a good idea to inspect them periodically.Every six months, clean off dirt and debris that has built up. Don’t count on rain as your only cleaning method. If you’re hosing off your panels, avoid the midday sun. The cold water on the hot panels could stress them.Check for loose electrical connections.Schedule a yearly professional inspection.Professional Help to Protect Your HomeIf you’ve added solar panels to your home or made other major improvements, it’s a good idea to make sure your homeowners insurance is up to date. Meet with a Farm Bureau insurance agent to review your policy and make sure your coverage is protecting your investment.
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7 Updates That Must Take Priority During a Home Remodel
Before you start your next remodel, make sure you know how to prioritize home projects. These seven updates should take priority to protect your home and investment.
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