High wind cause a tree to fall on your home?

Recommended steps to take after the wind causes a tree or tree branch to fall on your home:

1. Take picture of the tree being on the house.

2. Prevent further damage from happening by covering damage with a tarp, holes can cause water to leak into the house and cause more damage.

3. Keep track of your time to clean and remove trees and work that has to be done if you have to prevent more damage from        occurring.

4.  Call your insurance agent and we will report to the insurance company and advise adjuster to call you.

 

What? My Auto Claim is NOT Covered?

If the names on the title of your car and the named insured’s on your auto policy do not match, you will not have coverage in the event of a claim.

One of the most important things to remember is that the named insured listed on your insurance policy needs to match the names on the  title of the vehicle.   If John and Sally Doe’s son, Donny Doe, buys his first car and the title to the new vehicle has only Donny Doe’s name on it, but he adds this vehicle to mom and dad’s auto policy (John and Sally Doe listed as named insured),  THEY WON’T HAVE COVERAGE!    The names on the title have to match the insurance policy’s named insured for coverage to apply.   You need to communicate this information to your agent.    Don’t get caught thinking you have coverage when your son Donny Doe might not!  

“Where you Reside” Homeowners Policy wording could cause a declination of coverage by your insurance company in a claim.

Courts have determined that the policy wording “Where you reside” limits what is covered and what is not.
How can this affect a homeowner? The owner is temporarily living off the residence premises while they remodeled their home. If there is a claim to the dwelling during that time the insurance company can deny their claim because the insureds were not residing in their residence at the time of the loss.

Call us to discuss your where you reside. It could mean coverage or no coverage.

Who can drive your car.

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This question that is asked many, many times through out the year. The answer to that Is, the automobile policy is the broadest policy for insurance. Basically the persons named on the policy, as in named insured, can give permission to anybody else to drive their car and there would coverage. Please check your policy or call us at Davidson Insurance Agency, Inc. for questions and clarifications to make sure you policy complies.

Who has permission to drive your car?

This question is asked many, many times throughout the year. The answer: The automobile policy is the broadest policy for insurance. Basically, the persons named on the policy, as in named insured, can give permission to anybody else to drive their car and there would be coverage. Please check your policy or call us at Davidson Insurance Agency, Inc. for questions and clarifications to make sure your policy complies.

Is your auto physical damage coverage enough to protect you from financial ruin?

In 2013, a poll was done by Interest.com which discovered that the average cost of a new car/truck was $32,086. If your auto policy property damage coverage is set at the state minimum for NE then you only have $25,000 in coverage. If you were to run a red light or stop sign and collide with a newer vehicle chances are you won’t have enough property damage coverage to pay for the other person’s damages. This will leave you in debt for the remaining amount leading you into financial hardship or even bankruptcy. Can this be foreseen or stopped? Yes. Contact your agent today to review your auto policy and make sure you have adequate coverage to safeguard yourself, your family and your financial assets.

Shannon Mohrman CISR
Account Executive
Davidson Insurance Agency

Your Pets Have Coverage While In Your Vehicle.

Did you know that most companies have added Medical Payments Coverage for Pets to the personal automobile insurance policy?  Yes, I did say medical expense for pets.   If you are in an automobile accident and you have your pet with you, companies now provide coverage up to $1,000 or even $2,000.  Fido and Miss Kitty  can have peace of mind that their injuries are important.  Call us to check if your company offers this coverage.   In every case I have seen, the coverage has been added for you at no additional cost. 

Are you Insurance Poor?

Many of my clients say they are insurance poor and that concerns me. To me it says that I have not done as good of job as I should to explaine the aspects of insruance.

Are you insurance poor if your house burns down and you wanted to save an extra $100 a year by removing replacement cost on your house? By having Replacement cost at the time of the fire puts an extra 50k back into building your house?

Are you insurance ppor by lowering your auto limits and then after you had your accident and caused paralyzation to the driver you accidently hit you find out that an extra $400,000 of coverage would have ccost you a measly $34.00 efverysix months?

Some tough exampless but we are never insurance poor unless you can predict when you are going to have an accidetn or a fire. Call me and we can discuss some more.