You may not realize how important insurance is, until you have a tree sitting in your living room because the wind blew the tree through your roof! (True story…check out the photo that actually happened to one our clients!) When something like that happens, clearly you need some help ASAP. At times like that, you should be very thankful you have insurance.
In 2012, 7.2 percent of insured homes had a claim. Common types of claims include fire, theft, water damage, and liability. If you experience a claim, you may not know where to start, or what to do next.
The first thing to do is to call your insurance agent. We will gather some important information, including exactly what happened, when it happened, and what caused it to happen. Once we have the specific details of your claim, we will assist you in reporting the claim to your insurance company.
Below is a list of the most common homeowners losses based on 2012 reported claims, according to ISO, a Verisk Analytics Company.
– Wind and Hail: 47.2%
– Fire, lightning and debris removal: 25.2%
– Water damage & freezing: 17.5%
– All other property damage: 4.7%
– Theft: 3.0%
– Bodily injury and property damage: 2.3%
– Medical payments and other: .2%
– Credit card and other: less than .1%
If you didn’t have insurance, you would have to foot the bill out of pocket. Who can afford that?
We don’t want you scrambling for funds to pay for damages out of pocket. With that being said, call us today to get the proper insurance coverage. We would be more than happy to go over your current policy or provide you with a quote. We want to help you protect your assets you have worked so hard for. Visit us online, or call us today at (401) 723-8510!