No Texan wants to use their insurance. It means something negative has happened in their life. The best insurance that we can provide to you is the kind you never use. That's because it means you have had nothing bad happen to you or your family. But the reality is that most folks at some point, have to make a claim against their insurance. It today's Home Insurance Tip, we look at why having a local agent is a great thing come claim time!
Do You Wonder If Something Is Actually Covered?
When claims are involved on your Grapevine Home insurance policy, expect some complication.
Getting a bead on what happened is difficult for one. Did the water damage originate from inside our outside? What's the status of the roof after that damaging storm? What if your toilet overflows . . . as in A LOT. Do you have coverage? Will the cost of the damage rise to the level of your deductible?
Our independent insurance agents deal with these kinds of questions on a daily basis. It's a good thing to be able to reach your agent and ask these types of questions. Here's why that's a good thing.
Did you know calling a 1-800 number about your claim can actually work against you and be recorded as a claim on your account?
If this happens, it goes against your CLUE Report. Your premium will more than likely rise when it comes time to renew your coverage and it will hinder your ability to change companies if you desire.
All of this for just asking a question!
So what's the difference when calling your agent?
Well, you won't have to worry about it affecting your CLUE report. We'll be able to contact your insurance carrier so that you'll remain anonymous while still getting the answer to the question.
We'll also know your previous experience with claims and assist you on whether or not it's in your best interest to file a claim or take optional routes like working with a quality roofer to get an inspection done before filing the roofing claim.
If in the case a claim definitely needs to be filed, a local agent is able to help manage the claim process, expedite action, and even escalate your reimbursement on your behalf.
When you speak with your local, independent agent at Insurance For Texans, they will be able to determine from your previous claims what the best route to take regarding a current potential claim situation.
There are certainly negative consequences that can occur if you don't know how to buy insurance and it comes time to make a claim.
We take that concern out of the picture for you. We'll help assist you with your insurance as part of your overall financial health picture.
Pressing the blue button gets you closer to finding a friend and advocate in the insurance business.