I had a question today from someone who had all of their electronic equipment in their house fried!  They said that their neighbor was having a tree removed and when the contractor was removing the stump that was close to the property line that he hit their main electrical line to their house.  The contractor admitted fault and filed a claim on his insurance.  The problem is that his insurance company seems to be in no rush to get out to meet them and pay the claim. 

This is why I would recommend filing the claim with your own homeowners policy.  Your company wants to make you happy and will most likely repond quicker and they want to settle the claim fairly, so that you are happy because you are their client.  After your company has paid you, they will subrogate (go after) with the contractors insurance company. 

This way your claim will be paid and you will be happy and your insurance company will have the headache of dealing with the contractors insurance and not you!

It depends how the water enters your basement and if you have purchased the appropriate coverage.  If the water enters your basement through a crack in the foundation it wouldn’t be covered, but if it entered through a sewer or drain line or a sump pump failure it would be covered, if you purchased the sewer and drain back-up coverage with your homeowners policy. 

If the water in you basement is the result of flooding waters, then you would need to purchase flood insurance, which is a separate policy from your homeowners policy.

VanScoter Insurance is currently running a referral program.  You will be entered into our monthly drawing for a $25 gift card to a local restaurant and 2 movie passes each time you refer a prospect to our agency.  There is no contingency that your referral sign-up with our agency, just that they mention your name when they call. 

All of your entries will stay in the drawing each month, so the more you refer the better chance you have of winning.  So don’t think that if you referred someone in October and didn’t win October’s drawing, that you shouldn’t refer someone in November.  If you refer someone in November you will have 2 chances to win November’s drawing.