Five things to Know about House Insurance
At times it seems like SERVPRO is the bridge between the customer and carrier in Mansfield, MA. What does that mean? Well, we work directly with you, our customer, and the adjuster, who represents the carrier. And what we find in most cases is that people who have had insurance for even years don't understand their insurance policies are required to converse with professionals in the insurance industry that both interpret and enforce insurance policies every day. Below is a collection of resources and questions we are often asked about that could help people understand their insurance coverage a little bit better. I hope this article not only helps people when it comes to buying insurance but also if they ever need to use their insurance policy. Now, I know this stuff isn’t exciting to think about, but we know that knowledge is power which can lead to peace of mind for many folks.
Know Your Rights
We often hear of Public Adjusters and Restoration Companies show up right behind the fire truck (otherwise known as a Fire Chaser) who claim they are trying to help folks that have just experienced a devastating fire loss to their home and personal belongings. However, some see this as preying on folks that may have impaired judgment under such a stressful situation. Your insurance carrier or agent may also suggest someone you should call to help with your water damage. And then there is always the neighbors down the street that had that terrible ice dam during the winter of 2015 that ruined their roof, ceilings and the majority if their holidays for the better part of a year while they were settling their claim and dealing with repairs. No matter who you turn to for advice, it is equally important to understand that you have the right to hire whoever you want to repair your property. Make sure the person or company doing the work is experienced, trained and seasoned in the type of service you will be needing, and they carry insurance that includes worker’s compensation and liability or run the risk of needing to file yet another insurance claim for liability if anything should happen during the repair process.
Question: Who Do I Tell About Changes I Might Make?
Answer: Your local agent is the best person to call to let know of changes like jewelry purchases, but they are also the folks you want to call when you are making a move!
You should call your agent at least 30 to 60 days before any move, so they can go over the change of address and any new or different coverage they may suggest, or you want for the new place. The rates may change based on the zip code or geographical region. Having the conversation well in advance of your move is an opportunity to ensure you can have "no hidden surprises" by having all the coverage you need or want when you arrive at your new place.
Be prepared to ask the question of with new or different coverage, "will my premium and or deductible change?" It's important to understand ALL the changes that will happen to your policy before something happens!
The expression we here time and time again from folks is, “I hope I never need your services!” Please keep in mind, furnace malfunctions, pipe breaks and appliances break without notice. It’s always better to be prepared then not when these situations occur. If you need help cleaning up after a water or fire damage, please give us a call 508-339-3595. We can make damage, “Like it never even happened.”