In recent years, insurance companies have started to pass more of the financial burdens of natural disasters to policy holders. Many insurers now require mandatory hurricane deductibles in coastal areas; some have raised those deductibles from 1% or 2% to as high as 5%, raising out-of-pocket costs for policy holders. Meanwhile, many homeowners are discovering that even with these deductibles, their policies may not cover all the damage caused by a hurricane or tropical storm. “Families will have to dig deeper into their pockets,” says J. Robert Hunter, director of insurance for the Consumer Federation of America.
These developments can make an already difficult situation tougher. Following Hurricane Katrina, a far more devastating storm than Irene, many homeowners complained about waiting months for their claims to be processed, according to the non-profit group Americans for Insurance reform. Slowing down the process was disagreement over what was wind damage and what was water damage, says Susan Voss, vice-president of the National Association of Insurance Commissioners. Standard homeowners insurance typically covers damage from wind but not water; in the aftermath of a hurricane, it can be hard to tell which is which. Come to Scurich Insurance agency to get a quote on your Home Owners Insurance today to get covered.
By Quentin Fottrell | SmartMoney EG – Tue, Nov 29, 2011 8:19 PM EST
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Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
Email:[email protected]
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Make your home looked “lived in” even when you’re not there!
Have a trusted neighbor pick up your mail and newspapers.
Arrange for someone to mow your lawn or shovel snow.
Ask a neighbor to park a car in your driveway while you’re gone.
Never advertise your absence by taping a note to your door or announcing it on your answering machine/voice mail.
Turn your telephone ringer down or off. This way a burglar is less likely to hear the ringing of unanswered calls and realize no one is home.
You can add to the security of your lighting system and cut your electric bill by installing a motion detector on outside lights. This will activate your lights when anyone comes within range of the unit’s motion sensor.
Scurich Insurance Services can get you and your home covered with Homeowners Insurance.
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Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
eMail:[email protected]
Read more
It’s necessary to file a claim with the insurance company if a home is destroyed by a storm or a visitor is injured. It’s important to keep in mind that a Homeowners policy is a contract held between an insurer and an individual. This means that there are specific procedures and rules to follow.
Immediately report all crimes to the police. It’s important to notify the police of any vandalism, burglary or other crime. Homeowners should also obtain the names of any police officers involved in the report or investigation.
Make all necessary temporary repairs. Don’t shell out thousands of dollars for full repairs to a damaged property. It’s best to pay only for supplies to repair or sustain something temporarily.
Call an agent immediately. After calling the police for any crime-related issues, it’s important to call an insurance agent. If the nature of the claim doesn’t involve a crime, phone an agent immediately after discovering the issue that will become a claim.
List all damaged items. Don’t discard any items that are damaged before the insurance adjuster is able to survey them. Photographs and videotapes are also acceptable forms of proof in most cases.
Obtain the necessary claim forms. After receiving notification of a claim, an insurance company must send the proper forms to an individual within a specific time period. The best way to avoid delays is to ensure that the paperwork is filled out correctly.
Homeowners should follow each of these steps carefully. After filing a claim, it’s best to have an insurance adjuster come out as quickly as possible to survey the damage. Most insurance companies arrange for adjusters to visit a residence. To learn more about this process or to obtain answers to other questions, contact us.
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
eMail:[email protected]
Read more
One big advantage of having auto insurance policies is that one can be spared from paying sky-rocketing vehicle repair fees.
The advantages of auto insurance are clear. Maintaining automotive insurance demonstrates financial responsibility. It provides peace of mind in that any bills resulting from an auto accident will be covered. What people often fail to remember is that there are also disadvantages to auto insurance.
No one wants to meet any kind of accident. However, no matter how careful we are, accidents may also take place. For instance, even the most careful drivers can still meet accidents on the road due to some reasons. At one point of our life, all of us are perhaps bound to meet any kind of accident. Aside from the physical and emotional harm, it may also cost financial burden on the victim’s part. For drivers, accidents are quite common and having auto insurance can help decrease some sources of stress in handling the situation.
Don’t wait until you get in an accident to think about Auto insurance. Get in touch with Scurich Insurance today. Don’t panic we are available through filling out the form below, Facebook, LinkedIn, and ourContact Us form.
Scurich Insurance
320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
eMail:[email protected]
Read more
Protect your home and your possessions with homeowners insurance from Scurich Insurance Services. For home owners, Home Owner’s Insurance home Owner’s Request insurance protection is an important aspect of homeownership. A Standard home owner’s insurance policy protects the following:
- The physical structure of your home
- Structures on your property (storage sheds, pools, boathouses, etc.)
- Your personal property and belongings inside your home, up to specified limits
- Your liability or legal responsibility for any injuries and property damage you or your family members cause to other people
- Injuries to your household pets while inside your home
- Additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home.
Fill out the form below or you can connect with us on Facebook and LinkedIn!
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320 East Lake Avenue, PO Box 1170
Watsonville, CA 95077-1170
Office: 1-831-722-3541
Toll Free: 1-800-320-3666
*images courtesy of istockphoto.com
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