We’ve had some extreme weather this last week with the wind storm followed by the snow. Luckily, we did not lose power at the office, so we were able to stay open and help everyone process their claims. This is the most claims that I’ve processed due to a weather event since I’ve started my Agency 12 years ago, so you know it’s bad. I’m confident that the insurance companies are going to take care of you. Since there was such widespread damage it will take a little extra patience due to the total volume of claims. The insurance companies have been in contact with us and assured us that they will be prioritizing claims and getting people checks as soon as possible. If you have any questions or concerns don’t hesitate to contact our office, we’d be happy to help.
If you have damage to your property, but haven’t filed a claim because you are not sure if the damage will exceed your deductible, I would recommend getting an estimate as soon as possible (it’s a little more difficult now with the snow). A couple of things to consider when calculating your damage. If a tree falls in your yard and doesn’t damage anything, most companies include $500 for cleanup. If the tree falls and damages property, the cost to cleanup the tree is covered up to your policy limits. Also, don’t forget food spoilage. Since the power went out, you most likely lost some of the perishable items in your refrigerator and freezer. The insurance companies will pay to replace these items (subject to your deductible). Insurance companies will also pay for any emergency repair services to protect your property from further damage, like tarping the roof or boarding up broken windows. It’s always helpful to take pictures and keep receipts.
So if you have a $500 deductible and had a tree fall on your property and did not damage anything and you had $300 in food spoilage, you would potentially have a $800 claim. You would get $300 from the insurance company after your deductible.
If you had severe damage to your home and it was uninhabitable, insurance companies will pay for your hotel stay and any additional costs you incur for not being able to live in your home. If you have questions about your deductible and coverages, give us a call, we’d be happy to help.
We had to put everything on hold at the office until we were able to help everyone with their claims, so I’m just now drawing the free night out raffle winner for February. My good friend Jay Wegman is the February free night out raffle winner. If you want to be next month’s winner, all you have to do is refer a friend or family member to my Agency. Every time someone calls and says that they were referred by you, I’ll send you a free pizza gift card AND enter your name into my monthly free night out raffle.
P.S. When you call the office be sure to welcome Andrea back, we missed her. Andrea was out for the month of February for knee surgery.