I need to file a claim, what should I do?
Depending on the type of claim and the company can vary what you should do. Always give us a call and we can let you know what steps you need to take to get your claim started. Some companies will want you to call them directly, and others will let us, the agent, call and file the claim on your behalf.
Quick Rule of Thumb:
If it is a homeowner claim:
1.) Make sure you make any reasonable effort to prevent further damage or loss to your property.
2.) Take photos and make a list of the property and contents that were damaged.
3.) Note the date and time of the claim- and a brief description of how it happened.
4.) Notify us as soon as possible and we can make sure we get the claim started immediately.
5.) If the damage needs immediate attention, call a contractor/restoration company.
if it is an auto claim:
1.) Make sure all vehicles and persons are out of harms way and away from traffic.
2.) Call the police
3.) exchange names, contact information, and insurance info including company and policy #.
4.) If possible, take pictures of any damage to the vehicles
5.) Note the date, time and area of the accident.
6.) Call us or your auto insurance company.
Homeowners Insurance: What is really covered?
If you have a house, you likely have homeowners insurance but are you aware of what is really covered? Here is a good (and short) animated clip on what a typical homeowners policy covers. Of course, it can't cover everything in a 2:40 video, so feel free to email me with any additional questions!
Enjoy the video and please send me an email letting me know what you think of it!
Sturgis and bike theft.
Going to the famous bike rally in Sturgis, South Dakota? This year marks the 73rd anniversary of the rally and there is a lot of events, vendors and of course, cool bikes! This post is for those of you going and bringing a bike.
Is theft a problem at the Rally? Absolutely. It is estimated that EACH rally, about $250,000 worth of motorcycles are stolen.
While there is no way to completely protect yourself from being a victim, there are some steps you can take to lower your chances according to the Sturgis Police Department.
*Be aware of where you park
*Avoid dark, poorly lit areas.
*Pay attention to people standing around who seem to take particular interest in your bike.
*Do not leave leathers, cameras, souvenirs, etc on your bike
*LOCK YOUR MOTORCYCLE
*Factory ignition switch locks are easily overcome by thieves. High-quality disc locks, wheel locks and heavy cable or chain locks are recommended in additon to factory installed devices. inexpensive locks are generally of poorer quality and are easily broken or cut.
***If your bike unfortunately is stolen, is your coverage adequate? Have you added any custom parts or accessories that could change the value of the bike? Make sure to keep receipts, take photos and check to see that your coverage reflects those additions!***
Have fun but take all steps possible to prevent from being a victim of theft!