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Grilling Safety
Americans enjoy more than three billion barbecues each year. But barbecuing can be dangerous, even deadly, if you are not careful. The following tips can make your grilling experience safer:
  • When ready to barbecue, protect yourself by wearing a heavy apron and an oven mitt that fits high up over your fore...
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Surviving severe cold weather
Much of the country periodically experiences severe and sustained cold weather, with snowfalls interspersed with periods of melting and freezing. This can inflict considerable damage on homes. Here are some tips and steps you can take to make insurance losses less likely during extended severe weather.
  • Ke...
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Dog bite liability
According to the Centers for Disease Control and Prevention, there are approximately 4.7 million dog bites per year. These bites cost the property/casualty insurance industry roughly $320 million in 2003. Homeowners and renters insurance policies typically cover dog bite liability. The following tips can help reduce the chances of your dog biting s...
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How can I avoid scams after a disaster?
If your home was destroyed by a hurricane, wildfire or other disaster, be cautious. Unfortunately, there are dishonest service providers that prey on disaster victims. They know that people who have lost their homes and valuables may not be thinking clearly. If you have suffered this type of loss, don’t make any rash decisions. Talk to your ...
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What is a public adjuster?
Your insurance company provides an adjuster at no charge to you. Adjusters who have no relationship with your insurance company and charge a fee for their services also may contact you. These are known as public adjusters. You may use a public adjuster to help you in settling your claim.

  1. Public ad...
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What can I do if I am having trouble settling my claim?
If you are unsatisfied with how your insurance company is handling your claim, you have several options: Talk to the agent or company representative who sold you the policy
Let the agent know that you are dissatisfied and explain the specifics of your problem.
Contact the claims manager ...
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How is the settlement amount determined?
The settlement amount depends on which type of policy you have. Having inadequate insurance can affect the amount of compensation you get. Replacement Cost and Actual Cash Value
Replacement cost provides you with the dollar amount needed to replace a damaged item with one of similar kind and quality without deducting for dep...
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How does the payment process work?
An adjuster will inspect the damage to your home and offer you a certain sum of money for repairs. The first check you get from your insurance company is often an advance against the total settlement amount. It is not the final payment. If you're offered an on-the-spot settlement, you can accept the check right away. Later on, if you find other dam...
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How do I file a homeowners claim?
If someone has become injured on your property or if a violent storm destroys your home, you will need to file a claim with your insurance company. Remember, a homeowners policy is a contract between you and your insurance company. And there are rules and procedures that you and your insurer must follow. Read your insurance policy to see what your responsibilities are. ...
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Should I purchase an umbrella liability policy?
If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney's fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That's what a personal umbrella liability policy provides.
An umbrella ...
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