When unexpected events happen to your home, car, or other investments it can be a difficult decision to determine whether a claim should be filed or not. When trying to decide to file a claim, your agent is on your side to help make the best decision for you and your family.
Calling in a claim – call agent first vs 800 #. (order takers document in system)
If you call your agent, does it get recorded in the system? No, unless it gets called in to the 800#.
Agent is your advocate
Protect your loss history
3 year history
Type of claim and when was last claim
Look at claims at the location and the insured
How to determine if you should file a claim:
Determine if it is a maintenance issue or due to a peril (perils covered…)
Maintenance if it could have been prevented by having proper maintenance to home.
Is it a Comprehensive claim or is it Chargeable? (understand water claims)
Comprehensive – Weather/Act of God
Home – Hail, Wind
Auto – Fire, Theft, Wind, Hail, Hitting an animal (Deer)
Is it better to hit the animal on the road or swerve to avoid them and possibly wreck?
How many claims do you already have? ( companies non renewing after 2 claims – high risk pool)
What is your deductible – flat or %? EQ always %
Get a pre inspection esp. on roofs. Stay away from storm chaser, door knockers. (contractor will typically come back when insurance adjuster comes out.)
Insurance 101 With Elaine Mahr – Expert Contributor
Do you have home owners insurance? When was the last time you reviewed your polity? Your home is where you hang your hat, where your family sleeps, and where you keep your valuable and meaningful belongings. When it comes to protecting your investments, there are few things more important than insuring your home.
That’s because Homeowners insurance can help you:
Cover your property and possessions if they’re damaged or destroyed by a covered loss.
Protect your assets if you’re sued for your alleged negligence that caused an accidental resulting in property damage or injury to another.
To know you’re covered the way you want, it’s important to know how much coverage you want, and which coverage options are available to you.
Elaine Mahr, an experienced insurance agent, brings a high level of authenticity and care to her clients. She is interested not only insuring her clients but educating them as well. Know that when you receive your policy from Elaine you will actually understand it. Her mission is: To become a trusted advisor and educate my clients regarding a better way to build their insurance portfolio. Insurance is not one size fits all.
Listen in as Doug and Tammie Haldeman alongside Tom Terbrock and Stephen Schultz with Schultz & Myers law firm discuss questions about debt collection practices.
Collection Agencies Vs. Auto dialers
When it comes to different types of debts the Federal Trade Commission is the governing body. What types of debts are covered by this act?
If I’m dealing with identity theft what should be my course of action when dealing with debt collectors?
Are debt collectors allowed to call me at work?
Who are collection agencies allowed to talk to about my debt?
What are some of the practices that are off limit for debt collectors? Continue reading “Debt Collection Practices”