insurance claims

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Most people assume that having replacement value property insurance means that even if something happens, they're in good shape. After all, replacement value should pay for a brand new version of whatever you lost, right? But when it comes to buildings, including homes, both new and old, this isn't always the case. If you're a property owner, it's important to know about ordinance or law coverage and how it applies to you. Failure to understand when and where ordinance and law coverage is necessary may mean that if your home or commercial building is damaged, you don't have the coverage you need.
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Kathleen Hansen -

When it's time to store your boat for the winter, sit down with a member of the marina's staff and discuss what you can expect to have done. Most marinas are prepared to service your boat efficiently, but you are responsible for seeing that all work is done. Ask that they call you when the winterizing is complete.
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Categories: annual review, annuity, asset protection, atv, automotive, boat , boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, new york, ocean marine, online safety, outdoor safety, paid family leave, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, winter storage, winterizing, work safety, workers compensation | View all Categories

Your home or business is damaged. Your first priority is to get it fixed right away, so you call a contractor to assess the situation and give you an estimate on the repair cost. It makes sense: the insurance company will want one anyway, right? But this simple process may turn into a nightmare, depending on how you handle it.
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Kathleen Hansen -

Dear Valued Client:

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Categories: annual review, annuity, asset protection, atv, automotive, boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, new york, ocean marine, online safety, outdoor safety, paid family leave, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, work safety, workers compensation | View all Categories
Kathleen Hansen -

A 5-Step Checklist for Financial Health in 2017

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Categories: annual review, annuity, asset protection, automotive, boat and yacht insurance, boat insurance, bonds, business auto, business continuity, business insurance, business interruption, business management, business safety, car insurance, car safety, christmas, claim examples, college students, collision, community involvement, comprehensive, computer security, contractual liability, cyber security, deductible, disability insurance, disaster insurance, discounts, domestic employee, driving safety, earthquake, electricity, employee retention, employee safety, epli, family fun, family safety, finances, fire insurance, fire prevention, fireworks, floaters, flood, flood insurance, food safety, gun safety, health, health insurance, healthy living, hmo, holiday, home business, home insurance, home safety, hsa, identity, identity theft, immunization, inland marine, insurance, insurance claims, insurance cost, insurance credits, insurance exclusions, insurance history, insurance quiz, insurance records, internet, inventory, investments, jack and sara, joke, just for fun, lawsuits, liability insurance, life insurance, long term care, mental health, money, motorcycle, ocean marine, online safety, outdoor safety, personal property, pet insurance, pets, planning, ppo, prevention, product liability, professional liability, retirement, risk management, safety, security, small business, smoking, spouse, spp, structured settlements, technology, teen drivers, term life, trailer safety, travel insurance, umbrella, umbrella policy, water damage, weather, weather safety, wedding, winter, work safety, workers compensation | View all Categories
Kathleen Hansen -

Before signing on the dotted line, it's important to know what exactly comes with the new house you're about to buy. In addition to that amazing kitchen, fabulous master bath and lush green backyard, could there be foundation issues? Or maybe a rotting roof in need of replacing? You may not be required to have a home inspection, but it is highly recommended and almost always worth the money. Help reduce your stress and take the guesswork out of potential issues by working with a qualified home inspector.
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Kathleen Hansen -

No matter what the climate is like where you live, keeping the temperature comfortableinside your car often means battling foggy windows. If you live in a climate with cold winters, staying warm in your chilly car means turning on the heater — and battling the resultant fog on the inside of your windows. In warm, humid areas, turning on the AC can cause the opposite issue — fog blurring your windows from the outside.
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Kathleen Hansen -

When you think about water damaging your home, you imagine a hurricane, torrential rain, or other natural disasters. The truth is, that even water damage can also be caused when a household appliance fails and can be just as destructive as a catastrophe.
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Personal and commercial auto insurance is VERY important for everyday life. You never know when an accident can happen. Many people ask, "Do I have enough coverage?" or maybe they think, "I have too much auto coverage." Most consumers don't grasp what auto liability coverage is all about, so let us break it down for you. Auto liability covers you for two major items...

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Tracianne Leggio -

Flood insurance is a very important coverage to have when you live close to a body of water that has the potential to flow into your home. What a lot of people don't realize is that an overflowing body of water isn't the only way a home can flood. Flood damage can result from an sudden inundation of rising water flowing into your building.
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Tracianne Leggio -

Purchasing a home can be a harrowing experience, including the purchase of homeowners' insurance. There are many things to understand about your policy, from coverage to deductibles and how to define a hurricane. We all look to save money whereever we can and that includes the purchase of insurance. Here are some tips to consider when purchasing homeowners' insurance.
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Executive Insurance & Financial Services -

INSURANCE IS NO LAUGHING MATTER!!!

Your financial security is worth more than 15 minutes.
Call us today for a free insurance analysis by one of our
Licensed professionals.
(888) EIFS INFO
(888)343-7463
Be sure you are properly insured BEFORE the claim occurs!!

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Want to Maximize Your Insurance Dollars? Make 'Conduct a Home Inventory' One of Your New Year's Resolutions
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There are a number of preventative measures you can take to avoid water back up damage and minimize the amount of damage should it occur. But a significant amount of water back up incidents may not be preventable. For example, Colorado Springs Utilities estimates that water back up damages amount to $1,000,000 annually and that 80% of these losses are unpreventable. Worse, 80% of homeowners do not have insurance protection against water back up.1
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Download Home Inventory Worksheet (Excel) Keeping a home inventory is an important exercise that aids you in three ways:
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It is a good idea to take an inventory of your personal possessions, at least annually. Keeping a current inventory benefits you in three ways:
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