Flanigan Insurance Agency Inc Blog Page 9
View the latest blog posts from Flanigan Insurance Agency Inc.
Monday, May 16, 2016If your car is NOT drivable, and you are at the scene of the accident it is best to instruct the tow truck driver to tow your car DIRECTLY to nearest car dealer(assuming the dealer has a body shop) or a body shop of your choice. READ MORE >>
Monday, April 18, 2016Ever noticed carpenter bee's buzzing around the eaves of roof or wood deck? Those carpenter bee holes can eventually lead to entire area of bore holes. Eaves and decks have been destroyed by these bugs. Home insurance companies do not provide coverage as the damage is caused over period of time rather than sudden loss. READ MORE >>
Wednesday, March 23, 2016Why should a person carry Renter's Insurance if they don't have much stuff or money? Renter's Insurance not only provides coverage for you and your family's personal belongings but it provides you/family with LIABILITY. READ MORE >>
Friday, February 26, 2016All standard homeowner policy forms including: homeowners, condominium, villa and renter policies have LIMITATIONS in the event of loss to jewelry. All of the mentioned policy forms permit Rider/Schedule(which is itemization like appraisal) for jewelry(along with other items) added to a homeowner policy form. READ MORE >>
Thursday, February 4, 2016Most of us have seen on news a sinkhole in other parts of the U.S. In particular, I am thinking of Florida, where yards, streets and homes have simply disappeared. In my 32 years in the insurance business I can not recall a sinkhole claim; therefore, the probability is slim. READ MORE >>
Thursday, January 28, 2016Un and Underinsured Motorist coverage in Missouri is a very important coverage. No it does NOT cover your car if it's damaged by an uninsured driver or hit an run. It protects the insured driver and occupants for their injuries and loss of income. READ MORE >>
Friday, January 15, 2016A question came up, garage door hit their parked car. Is this a Comprehensive or Collision loss? Collision refers to upset of your covered auto or it's impact with another vehicle or object. While Comprehensive(a.k.a. READ MORE >>
Sunday, December 27, 2015When hail season is upon us, there are DIRECT and INDIRECT claims that seem to crop up. A direct claim is hail impacting 1/4 or 1/2 of siding on home; however, not impacting the other 1/2 of home. In other words the hail dings are on 1/2 the house not the other 1/2. READ MORE >>
Wednesday, December 9, 2015NO. A standard homeowner policy does NOT generally cover damage caused by earthquake and floods. These sources of damage require additional coverage or a separate policy. Insurance companies may write some earthquake, provided home is built 1960 or newer, while not writing the older homes. READ MORE >>
Friday, November 27, 2015Earthquake coverage can only be a covered loss if added onto your homeowner policy. All standard homeowner policies EXCLUDE earthquake coverage; however, many insurance companies will allow the coverage added by special endorsement/rider, similar to adding sewer back up, itemized jewelry or Identity theft. READ MORE >>
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