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10 years ago · by · 0 comments

Your homeowners insurance will surprise you

8-29-14Everyone knows that homeowners insurance will cover any structural damage done to your home inside and out.  Your roof gets hit by lighting and has damage?  Homeowners insurance will cover it.  A nasty storm knocked a tree into your kitchen and destroyed it?  Homeowners insurance will cover it.  But that’s not all homeowners insurance will cover.  There are some surprising little known coverages in your homeowners policy.  Such as:

  • Any mandated upgrades.  If an ordinance passed stating that all homes needed to have solar paneling, and you needed to get your roof fixed, homeowners insurance would cover the addition of the solar paneling.  Check with your policy, because there generally is limits.
  • Food replacement.  Yup, that’s right, your homeowners insurance will replace any food that is no longer edible.  Most policies will have a $500 limit.
  • Are you getting sued for slander?  Your homeowners insurance will defend and cover you.
  • Did Marmaduke bite the postal worker?  Your homeowners insurance will all damages associated with your pooch.
  • Did your neighbor hit run over you with her bicycle?  Some homeowner’s policies will cover your medical expenses.  Homeowners insurance will cover a number of accidents similar to this.  Scurich Insurance Services can help you navigate through the specificities of your policy.
  • Rough winters.  Rough winters can damage your pipes, the weight of snow on your roof can cause damage and other winter damages, can cause you to have to find temporary shelter with additional living expenses.  Your homeowners insurance will cover your additional expenses.

To find out everything else that your policy covers, contact Scurich Insurance Services today.

Content provided by Transformer Marketing.

Source:  http://www.bankrate.com/finance/insurance/things-your-home-insurance-covers.aspx#slide=1

 

 

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10 years ago · by · 0 comments

Happy Labor Day!

8-29-14Labor Day falls on Monday, September 1st this year.  In observance of the holiday, Scurich Insurance Services offices will be closed on Monday.  We will reopen on Tuesday, September 2nd.

Not sure how you want to make the most out of your Labor Day weekend?  Here are a few suggestions:

  • Go on a nice long hike with your family.  Some great hikes to go on?  Meadow Trail Loop at Mount Madonna, Mt. Madonna Loop, or Sprig Trail and Merry-Go-Round Loop.  Don’t forget to pack a picnic!
  • Spend your time giving back.  Volunteer at your local charity organization.
  • Indulge your taste buds.  Food festivals happen all the time and man do they have some delicious tasting treats for you.  Go ahead and yum it up!
  • Go fly a kite.  Okay, so this doesn’t happen as much as it did in the past, but flying a kite is a lot of fun.  Head out to the beach and take your kite with you.
  • Go camping.  In your backyard.  Remember the good ol’ days, when you pitched a tent in your backyard and pretended you were camping.  The thrill and excitement of it all?  Get in touch with that inner child and camp.

Whatever you decide to do this Labor Day weekend, we hope it’s a fantastic one!  Be safe!

Content provided by Transformer Marketing.

Sources:  http://www.rd.com/slideshows/10-ideas-for-labor-day-family-fun/#slideshow=slide2 and http://www.everytrail.com/best/hiking-watsonville-california

 

 

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10 years ago · by · 0 comments

California is on this list…

8-27-14Getting into an accident is an inconvenience and there are certain states that don’t make it any easier.  When you file a claim auto insurance rates have a tendency to rise.  Did you know that if you file a claim for anything $2,000 and higher can cause your insurance to jump up to 40% in some places?

If you live in one of the places listed below, you could find yourself on the short end of the stick when it comes to rate increases.

  1. Massachusetts rates jump up 67% when claims are filed.
  2. California claims will get you a 62% increase.
  3. New Jersey has 59% increase.
  4. North Carolinians will see a 47% increase.
  5. Minnesota raises their rates 45%.

If you have a claim that is $2,000 or less and you can afford the repair, it would be better for your insurance rates in the long run to pay out of pocket than it would be to file the claim.

On the flip side of things, here are the states that have the lowest rate increases:

  1. Maryland with just a 20% increase.
  2. Alabama at 22%.
  3. Michigan & Wyoming both have a 23% increase.
  4. Oklahoma has a 25% increase.

If you find yourself in this situation, Scurich insurance services can help.  Anyone of our friendly staff will be able to help guide you through this process.

Content provided by Transformer Marketing.

Sources:  http://www.ibamag.com/news/5-states-where-you-dont-want-to-file-an-auto-claim-16616.aspx

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10 years ago · by · 0 comments

Insurance claim funnies-Eventually Made The Right Decision

Scurich Insurance Services, CA, Insurance Claims(I work as a claims adjuster for a major insurance company and have made a liability decision on a minor parking lot accident in which both parties told the exact same story. Unfortunately my client was majority at fault, but we would only be paying 60% of the other party’s repairs. I call my customer and leave a message regarding the liability decision and my phone number. He calls me back a short time later.)

Customer: “I can’t believe you did this!”

Me: “I’m sorry, sir?”

Customer: “How could you do this without calling me first! You decided I was at fault!”

Me: “Sir, I took a recorded statement from you and from the other party and outlined exactly the kinds of things would factor into the decision.”

Customer: “But you didn’t call me first!”

Me: “I did call you; I took your statement.”

Customer: “But then you made a decision!”

Me: “Sir, it’s my job to make a decision, as you know, and I don’t need your permission or approval to do so.”

Customer: “I know! But I can’t believe you did that!”

Me: “Sir, are you contesting liability? You both told the exact same story and given the facts and damage to both vehicles, you’re both telling the truth. No matter how we look at it, you were backing out and didn’t pay attention to what was behind you.”

Customer: “I know! I agree that’s what happened!”

Me: “Then why are you upset? How can we resolve this?”

Customer: “You made this decision!”

Me: “Sir, I had to make a decision. Again, are you questioning the liability decision? Do you have other information to add?”

Customer: “No!”

Me: “Sir, then please tell me what you want me to say because I simply don’t understand how to resolve this for you.”

Customer: *pauses* “Well, you know what? I’m just mad about the whole thing. You haven’t done anything wrong.”

Me: “Okay…”

Customer: “I’m really sorry. I work in customer service and I hate when people call and yell at me, and that’s what I’m doing to you. You made the right decision, I accept it, and I’m sorry for yelling at you. I just… needed to yell at someone.”

Me: *trying not to laugh* “Well… thank you, then. I can definitely understand that!”

Customer: “Thank you for being so patient with me. I’m really sorry, again, to have yelled at you and hope the rest of your day goes better.”

Me: “Thank you.” *we go on to resolve claim payment and I explain repair procedures, etc.*

Manager: “I heard you talking and picked up to listen in. I didn’t know what he was angry about either!” *laughing* “I’ll put a few notes in file about how you handled the call.”

(A few minutes later, a team leader comes up to my desk.)

Team Leader: “Hey, I just wanted to let you know I just took a call from a guy who said he just yelled at you for no reason. He wanted to make sure your supervisor knows he thinks you’re excellent at your job, you’ve provided great customer service and he’s happy with the outcome of his claim. I’m passing this on to your team leader and manager.”

(I STILL laugh about that call, and think it’s one of the reasons I was promoted shortly afterward. Thank you, sir!)

Content provided by http://notalwaysright.com/tag/insurance

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11 years ago · by · 0 comments

How Will the Obamacare Penalty Work?

As most of you know, the Affordable Care Act, or what most of you know it as Obamacare, will take effect in 2014. When this bill takes effect, it will become mandatory that you purchase some sort of health insurance, and if you don’t you will end up finding yourself being penalized by the federal government. But, what are these penalties and how will the effect you.

According to MSN Money, “The actual individual mandate penalties under the Affordable Care Act are perhaps the easiest part of the program to understand:

  • In 2014, the annual penalty will be $95 per adult and $47.50 per child, up to a family maximum of $285 or 1% of family income, whichever is greater.
  • In 2015, the penalty will be $325 per adult and $162.50 per child, up to a family maximum of $975 or 2% of family income, whichever is greater.
  • In 2016, the penalty will be $695 per adult and $347.50 per child, up to a family maximum of $2,085 or 2.5% of family income, whichever is greater.

“Most people think of it as an annual penalty,” notes Larry Levitt, a senior vice president at Kaiser. “But it is in fact a monthly thing, and you would pay a penalty for any month that you are uncovered.” However, a person may be without coverage for up to three months without triggering the penalty.” (1)

So don’t be caught without insurance. Contact Scurich Insurance Services located in Watsonville, California. at 831-722-3541 and let us shop the health insurance market for you so that you can get the best health insurance plan out there.

(1) http://money.msn.com/health-and-life-insurance/how-obamacare-penalty-will-work

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11 years ago · by · 0 comments

Your Job Can Save You Money on Auto Insurance!

Engineers, firefighters, lawyers, teachers, and police officers all have one thing in common: they qualify for Auto insurance discounts with some insurers who have found that people in certain fields tend to be less risky drivers than those in other occupations.

A number of insurance companies offer discounts to those in a variety of professions everything from architects, CPAs, and college professors through librarians, military personnel, and pilots, to physicians, registered nurses, and scientists.

Here’s why: although practicing architecture or flying a plane doesn’t necessarily make a driver more responsible, insurance underwriters don’t have to prove cause and effect when setting rates. They need only show a relationship between these rating factors and risk.

A variety of factors can come into play in determining discounts. One Auto insurance company offers up to a 5 % discount to first responders, such as firefighters, police officers, emergency medical technicians and paramedics. Because these people tend to work in the communities where they live, they probably don’t commute long distances. First responders might speed down the road in emergencies, but not in their own vehicles, and they tend not to work from 9 to 5 “which means that they’re at lower risk for accidents.”

Discounts vary by occupation, insurance company, and state. Some companies offer discounts for a long list of occupations and professions, while others provide them to only a few, or none at all. Some jobs receive larger discounts than others.

Rules for discounts also vary by field. To qualify for one company’s discount, health care providers must have a license to practice, as well as a degree. However, policyholders who have earned at least a bachelor in engineering, math, or science qualify for an 18% discount, even if they work in other fields.

Your occupation or profession might well entitle you to a substantial discount on your Auto insurance even if you’re retired.

Do you want more information? Contact Scurich Insurance Services located in Watsonville, California.

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Company information

Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

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(831) 661-5697

Available 8:30am - 5:00pm