Winterizing Your Home and Sump Pump with Stephen Burton

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Winterizing Your Home with Stephen Burton

Winterizing Your Home and Sump Pump

Winterizing your home is so important and taking care of your sump pump and hose in the fall or early winter is a quick and easy home improvement that will save you hours or days of headaches. Continue reading “Winterizing Your Home and Sump Pump with Stephen Burton”

How To Determine If You Should File a Claim

Elaine Mahr Expert Contributor show card for a insurance claim

How To Determine If You Should File a Claim

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:

  1. 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.                                                                                                                                                           
  2. 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?                                                                                                                                        
  3. How many claims do you already have?  ( companies non renewing after 2 claims – high risk pool)
  4. What is your deductible – flat or %?   EQ always %
  5. Get a pre inspection esp. on roofs. Stay away from storm chaser, door knockers.  (contractor will typically come back when insurance adjuster comes out.)
    • May disappear
    • No Warranty
    • Trusted Roofing Company:

Anderson Building Company

Address: 135 Chester Ave, St. Louis, MO 63122

Phone: (314) 821-0504

http://andersonbuildingco.com/

Elaine Mahr Audio:

Call for a free Insurance Analysis:

Elaine Mahr

Insurance Agent

314.238.0055

emahr@farmersagent.com

www.farmersagent.com/emahr

 

 

 

Do You Have A Roof Over Your Head? Got Insurance?

Elaine Mahr Expert Contributor show card

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.

Homeowners Insurance Audio File:

Continue reading “Do You Have A Roof Over Your Head? Got Insurance?”

ELAINE MAHR/ FARMERS INSURANCE AGENT

Elaine Mahr Farmers Insurance Agent
Elaine Mahr Farmers Insurance Agent

ELAINE MAHR/ FARMERS INSURANCE AGENT

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. 

Audio Elaine Mahr

Continue reading “ELAINE MAHR/ FARMERS INSURANCE AGENT”

Debt Collection Practices

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”

Big Announcement: The Doug Haldeman Team Joins Forces With Cornerstone Mortgage, Inc.!

Team PicThis segment announces the alliance of the Doug Haldeman Team and Cornerstone Mortgage, Inc.Cornerstone Logo_Green

 

 

 

Audio:

Continue reading “Big Announcement: The Doug Haldeman Team Joins Forces With Cornerstone Mortgage, Inc.!”