The Coming Storm: Review Your Insurance Policy’s Hurricane or Windstorm Deductible Before It’s Triggered
Posted: August 22, 2013
With peak hurricane season arriving, it’s time to pull out your homeowners insurance policy to check if you have a hurricane or windstorm deductible, and make sure you understand how it works in the event you have to file an insurance claim, according to the Insurance Information Institute (I.I.I.). “The time to understand how the claims process works is before you have a loss,” pointed...
Insuring Your Student’s Home Away from Home
Posted: August 22, 2013
When students go off to college they usually take their computers, TVs, stereo equipment, most of their wardrobe, and anything else that they can cram into the car. Whether they’re taking all their worldly possessions or just enough to get by, they’ll need insurance to cover the things in their dorm room or apartment. So before they take off for college, make sure they’re covered...
Cleaning up the Mess - Will Your Commercial Policy Cover It?
Posted: August 22, 2013
Most commercial property policies will cover the cost to remove debris resulting from a covered cause of loss. However, coverage may be limited or excluded depending on a few important factors addressed in the policy. Factor #1 – How much is enough? First, consider that it is not cheap to remove certain types of debris. For example, removing debris of an old frame building may...
Protecting Your Home From Brush Fires
Posted: August 21, 2013
The biggest fire in the U.S. took place Oct. 8, 1872 in Peshtigo, Wis. The blaze burned 16 towns, killed 1,152 people, and burned 1.2 million acres, according to the National Fire Protection Agency. Historical accounts of the fire say that it began when railroad workers unintentionally started a brush fire and within an hour there was nothing left of the town but ashes. While...
Death and Taxes: The Uncertainty of What Happens With An Insurance Policy When A Loved One Dies
Posted: August 18, 2013
As Benjamin Franklin said, “…in this world nothing can be said to be certain, except death and taxes.” While we all know that April 15th is the day our taxes are due, death has a way of sneaking up and surprising us. When a loved one dies there are many issues that their family and friends are left to deal with, but as family and friends...
