by Flagship Staff | Sep 26, 2018 | Blog
If you’ve watched the news lately, there has been significant coverage on wildfires, severe storms, and most recently, Hurricane Florence. As we transition through the seasons, we encounter different perils that could pose risk to our vehicles.
With all these different scenarios present in our lives, it may be difficult to keep track of how insurance will respond to your auto claims. Therefore, this week’s blog is going to discuss the differences between comprehensive and collision insurance.
Comprehensive insurance coverage provides protection for damages caused to your car, which are not collision related. The small fly in the ointment is collision with animals. That’s covered under comprehensive insurance. In some states, comprehensive coverage is called, “other than collision.” Comprehensive insurance coverage is an optional coverage unless you have a car loan. Your lender will require you to purchase it.
Comprehensive coverage protects against:
Theft;
Vandalism;
Flood;
Fire;
Natural disasters including earthquakes, floods, hurricanes, tornadoes, and volcanic eruption;
Animals;
Riot; and
Glass breakage.
Collision insurance coverage provides protection for damages caused by upset of your covered auto or impact with another vehicle or object. Collision insurance coverage is an optional coverage unless you have a car loan.
Some examples that collision coverage would protect against Include:
You run a stop light and hit another car.
You collide with a tree, mailbox, telephone pole, or mailbox.
You swerve to avoid a deer and hit a tree.
Depending on the damage sustained by your car, it may be repaired or replaced.
Here are some different claim scenarios and how either of these coverages will respond.
Claim Scenario #1 – Flood
A summer storm comes through your city dumping a record amount of rainfall. Local rivers overflow and storm sewers can’t handle the water flow. During the storm, you look out your window and see your car floating by. Do you have coverage?
Answer: If you have comprehensive insurance coverage on your car and it’s damaged during a flood, you have coverage. If your car is totaled and needs to be replaced, the reimbursement may be your car’s actual cash value less your deductible. Talk to your agent to learn more.
Claim Scenario #2 – Fire
You’ve enjoyed a nice, hot summer with your family and friends. Countless hours have been spent sun tanning, swimming, and water-skiing. Unfortunately, your area is in a drought situation. One day an afternoon storm pops up and a lighting strike causes a wildfire that destroys many homes in your city. While your home was spared from destruction, your car, which was parked in the driveway, caught fire and burned resulting in a total loss. Do you have coverage?
Answer: If you’ve purchased comprehensive insurance coverage for your car, you would have coverage if the car is damaged or destroyed by fire. If the car is totaled and needs to be replaced, the reimbursement may be the car’s actual cash value less your deductible. Talk to your agent to learn more.
Claim scenario #3 – Deer hit
It’s a beautiful Sunday afternoon and you’re out cruising in your convertible enjoying the fall colors. Your favorite football team has a bye, so you’re not missing the big game. You know it won’t be long before you’ll have to put your convertible in storage for the winter. You decide to stop at your favorite burger bar for a sandwich and a diet soda. On your way home, a deer jumps out in front of you and you hit it. While the deer survived the crash, your convertible didn’t. Do you have coverage?
Answer: If you have comprehensive insurance coverage, it’ll pay for the damages to your car. If your car is totaled and needs to be replaced, the reimbursement may be your car’s actual cash value less your deductible. Talk to your agent to learn more.
If you swerved to avoid the deer and you hit a tree instead, comprehensive insurance coverage wouldn’t apply to the damages. You would need to have purchased collision insurance for coverage to apply.
Claim scenario #4 – Neighbor’s mailbox
A few months ago, your son or daughter received his or her driver’s license. Now that he has his or she has her license you’re life has calmed down a bit. You no longer need to take them to practice, appointments, or their job. On the other side, there’s always a bit of angst while he or she’s driving. One winter evening, the pizza parlor where he or she works closed early due to poor weather conditions. This is his or her first winter driving experience. He or she were just getting ready to make the turn into your driveway when he or she slides into your neighbor’s mailbox. Do you have coverage?
Answer: Collision insurance coverage will pay for damages to your car and the mailbox too.
Claim scenario #5 – Fallen tree
Mother Nature has whipped up a snowstorm that’s expected to dump three feet of snow in your area. Local schools have been closed and all extra-curricular activities have been cancelled. The only thing to do for the next 24 hours is to sit by the fire with a book and a warm cup of hot chocolate or coffee. After the storm passes, you go outside to begin the process of digging out. While outside you notice that your child’s car has been crushed by a large tree branch. Do you have coverage?
Answer: Comprehensive insurance coverage would pay for damage to your child’s car because of falling ice or tree limbs.
Remember, there are many different claim scenarios that can affect your family. In addition, insurance policies are not created equal! Make sure you understand what’s covered by your policy and what’s excluded. Insurance policies don’t cover everything. Talk to your insurance agent to learn more about your policy and the coverage it provides.
by Flagship Staff | Sep 18, 2018 | Blog
Swat, splat, bang. These are common sounds at my house. The reason for these sounds is mosquitos are invading us. I don’t recall them ever being this bad! Strong storms accompanied by heavy rain, and warm temperatures in Wisconsin at the end of August have caused the mosquito population to explode!
In recent weeks, if you’ve tried taking your dog for a walk, cutting the grass, or simply grilling out, you know how bad they are!
Recently, the City of Milwaukee Health Department confirmed the first likely case of West Nile virus this year. Symptoms of the virus can begin three to fifteen days after being bitten by an infected mosquito.
West Nile virus common symptoms
Fever
Rash
Headache
Joint pain
West Nile virus severe symptoms
Muscle weakness
Stiff neck
Disorientation
Tremors
Convulsions
Paralysis
Coma
Currently, there’s no cure for West Nile virus, only treatment for symptoms. If you think you’re infected with the virus, contact your healthcare provider immediately.
There are still plenty of nice days to enjoy. Here are some reminders on how to protect your family from these annoying insects throughout the fall season.
1. Limit outdoor activity. Mosquitos are most active at dusk and dawn.
2. Use insect repellent. The Centers for Disease Control and Prevention (CDC) recommends using insect repellants that contain one of the active ingredients below.
DEET
Picaridin
IR3535
Oil of lemon eucalyptus (OLE)
Para-methane-diol (PMD)
2-undecanone
To find a repellent that’s right for you and your family, click here.
Remember to apply every few hours for maximum protection.
In addition, to learn more about DEET safety, visit Consumer Reports article, “How Safe Is Deet?”
Quite honestly, the mosquitos are so bad right now; I’m going to buy a repellent with DEET for my family. I’m also going to look for a spray to treat my house door as well. Mosquitos are just sticking to it. Every time I open the door, they fly right in. I find there’s nothing worse than a mosquito buzzing around my head at night while I’m trying to sleep.
Please note; the repellents mentioned above are effective for human use only! They shouldn’t be used on pets. If you’re a pet owner, contact your veterinarian or pet store for safe product recommendations.
3. Protect your house indoors and out. Since mosquitos can transmit disease, it’s important to protect your home as well!
Use knockdown spray. If you see mosquitos flying around in your home, consider using a knockdown spray. It may be easier than chasing them around with a fly swatter. Spray also avoids splattering them on your wall. If you have pets or small children, read the warning label before spraying.
Plug in the bug zappers. Back in the day, my parents were innovative with the outdoor bug zapper. From what I’ve seen lately at friends’ homes, they’re making a comeback.
Identify areas that could be a breeding ground. Remove standing water inside and out. On a weekly basis, change the water in your birdbaths, pet’s water dish, and vases. If you have rainwater barrels, make sure they’re sealed tightly.
Inspect your screens. Make sure your screens are in good condition. Look for tears or holes in screens that protect your doors, windows, exterior vents, and chimneys.
Keep a beautifully manicured yard. Mowing your grass and trimming tall weeds on a regular basis can prevent mosquitos from finding a place to hang out.
Consider spraying your yard. If you’re unable to enjoy your deck or patio, look into treatment options. Mosquitos like to relax in dark, humid areas around your home.
4. Protect your newborn. If you’re a new parent or grandparent, congratulations! Please avoid using insect repellent on babies younger than two months old. Better alternatives include, clothing that covers their arms and legs and mosquito netting for their carriers and strollers.
5. Wear long-sleeved shirts and pants. With the nice warm temperatures we’ve had, and cooler temperatures around the corner shorts and flip-flops may be desirable apparel. However, long sleeved-shirts and pants can help protect you from unwanted bites and frustration. It makes standing at the grill a little bit warmer, but it’s worth it.
by Flagship Staff | Sep 11, 2018 | Blog
Last week’s blog identified areas of your property you should inspect after a severe storm. Some of those areas include roof, siding, outdoor structures, and fallen trees.
A common claim scenario that insureds deal with after a storm is fallen trees. High winds and saturated ground can create the perfect storm.
Earlier this summer, heavy storms rolled through my sister-in-law’s neighborhood. After the storm cleared, she inspected her property. What she found was a large branch from her tree extending into her neighbor’s yard. Initially, she assumed it would be her responsibility to file a claim with her insurance company to cover the damages and removal. She quickly learned that this is a complicated situation, which can cause intense arguments between once friendly neighbors.
Homeowners Insurance 101
A standard homeowners policy (basic form) typically protects you from the causes of loss (perils) listed below.
Fire and lightening
Smoke and explosions
Windstorms and hail
Volcanic eruptions
Falling objects (trees)
Theft or vandalism
Malicious mischief
Aircraft or vehicle damage
Snow, sleet, and ice
Below are some common questions and answers regarding how a standard homeowners policy may respond.
Q: If my tree falls and damages my home or property, is it covered?
A: Typically, a standard homeowners policy covers damage caused by a fallen tree if the cause of loss (peril) is wind. Covered property includes your home and other structures, such as a fence or shed. If a tree falls on your car and turns it into a Matchbox car, your auto policy will provide coverage if you have purchased comprehensive insurance.
Q: If my neighbor’s tree falls on my home or property is it covered?
A: This is a situation where your relationship with your neighbor can sour. If your neighbor’s tree falls on your property due to wind, you’re responsible for the cleanup and contacting your insurance company to see if there’s coverage for any damage sustained. If there’s coverage for the damage, you’re responsible for paying your deductible. The same would be true for your neighbors if your tree falls on their property.
This is where the conflict started with my sister-in-law and her neighbor. Her neighbors felt it was absurd that they had to pay for debris removal charges for a tree that wasn’t theirs. In some situations, neighbors will agree to split the debris removal charges as an act of good faith. Because this turned into an ugly situation, my sister-in-law paid for the tree removal.
Q: My neighbor caused the tree to fall, am I still responsible for damage?
A: If you can prove that your neighbor’s tree fell because it was diseased or dead and they didn’t do anything to prevent this, then they’d be responsible for your property damage due to negligence. In addition, if your neighbor cut down a tree and it fell and damaged your property, they would be responsible for that as well.
Q: Do I have coverage for debris removal?
A: Depending on your policy, you may have coverage. The basic homeowners policy could pay up to $500 for the removal of any one tree and up to $1,000 for any one loss. Unless stated differently in the policy, your homeowners deductible would apply for this type of loss.
Some policies might specify that the tree must have damaged a covered structure or is blocking a driveway in order for debris removal coverage to apply. Some policies could provide coverage for tree debris removal regardless of whether or not there’s other damage to property.
Q: Do I have coverage for damaged trees or shrubs?
A: Another portion of your policy could reveal coverage that would pay for damaged trees, shrubs, and other plants. It would list those perils for which coverage might apply.
So many variables can come into play when determining coverage. Review your policy with your agent; he or she will be able to answer any questions you have about your coverages, or they can check with the carrier on your behalf.
by Flagship Staff | Sep 4, 2018 | Blog
Severe weather can pop up in your neighborhood quickly. If severe weather strikes, your first priority should be taking cover and protecting your family. Unfortunately, the damage after severe weather can wreak havoc on your home and neighborhood. Common types of storm damage to your home can be caused by wind, water, or hail.
After the skies clear and you’ve been given the all clear by your local weather service, checking your home for damage should be your next priority. Protecting your home from further damage is critical. Here are some areas you should inspect.
1. Roof. Depending on the storm, roof damage can be significant. High winds can easily tear your shingles off. From the ground, look for missing shingles. If hail came through your area, depending on the size of the hailstones and other conditions, the damage may or may not be significant. Contact your insurance company. They will send out an expert who will be able to identify if you have damage. For more information, check out my blog “Your roof and your insurance rates.”
2. Siding. Depending on your siding, damage may be evident. Brick, stucco, and cement fiber siding are more durable than vinyl siding. No matter what siding type you have, walk around your home and check for damage. Damage can consist of cracks, chips, dents, and holes.
3. Outdoor structures. If you have a detached garage or shed don’t forget about them: especially if you’re storing tools, collector cars, or other types of equipment. Even a small hole or leak can damage what’s inside. If you find a hole, consider covering it with a tarp. If that isn’t possible, consider moving those items to prevent further damage. To learn if your outdoor structure is adequately insured, click here.
4. Electronics. A lightning strike or power surge can damage or destroy your expensive electronics.
5. Fallen trees or limbs. Understanding coverage for fallen trees can be a bit tricky. Do you have coverage for the tree itself, debris removal, or coverage for your neighbor’s fallen tree on your property? Contact your agent to find out.
6. Miscellaneous property. Other items to look at include:
Air-conditioning unit;
Fence;
Patio/deck furniture; and
Cars parked in your driveway.
7. Basement. Significant rainfall can be difficult on your sump pump and local sewer system. Check the area around your sump and floor drain. To learn how to keep your sump pump in good working order click here. If you don’t have water backup or sump pump overflow coverage on your policy, talk to your independent insurance agent to learn more.
For a list of helpful reminders, checkout the infographic below!
Miscellaneous Safety Tips
If you have overhead powerlines in your neighborhood, be cautious when inspecting your property. High wind or trees could have knocked them down.
Keep your kids out of flooded streets and rushing water. Dangerous situations that weren’t there before may now be present.
Only consume food or water that was not damaged by the storm.
If your home has been damaged, consider turning off your main utilities, including your natural gas, electricity, and water main.
Before a severe storm hits, consider documenting your possessions. Whether you rent an apartment or own a home, one of the most important things you can do is to keep an inventory of your personal belongings. Trying to remember what you own after a disaster strikes can be overwhelming.
Insurance policies are not created equal! More than likely, your policy is different from your neighbor’s policy. Depending on the storm and the type of damage you experience, you may or may not have insurance coverage to help get you back on your feet. This can make a devastating situation even worse. If you aren’t familiar with what your policy covers, please contact your independent insurance agent.
by Flagship Staff | Aug 28, 2018 | Blog
In just a few short days, our children’s alarm clocks will be ringing and hectic school schedules will become a part of our routine.
No matter what age your child is, the first day of school can cause anxiety for the entire family. Here are some things you can do to make the first day a bit less stressful for everyone.
1. Fill their backpacks ahead of time. While I didn’t always enjoy school, I did enjoy looking at my new school supplies. A few days before school starts, lay out your children’s supplies. Next, double check their supply lists to make sure you’ve bought everything they need and then start filling. This could be an enjoyable activity for all of you.
2. Lay out their clothes. I know this seems like a “no-brainer”, especially on the first day of school because they probably have new outfits to wear. The challenge is to keep this as part of your routine as the school year progresses and this begins to feel more cumbersome. If you have teenagers, good luck!
3. Pack their lunches the night before. My wife does a great job packing our lunches the night before. It saves everybody so much time in the morning. The only issue I have occasionally is when I get the text, “Dad, I forgot my lunch. Can you drop it off at school?” Ugh, luckily it doesn’t happen often.
4. Complete additional paperwork. While most of the paperwork should already be on file with the school, consider completing additional paperwork a few days prior or the night before. Returning additional paperwork on the first day of school can be beneficial to you because you can cross it off your “To-Do” list.
5. Designate a departure time. It’s inevitable that the morning routine won’t go as planned. Let your kids know the night before when you’ll be leaving. Don’t forget to build in a five to seven minute cushion to allow for extra traffic or the missing gym shoe.
6. Get a jump-start on course work. If you have a high school or college student, it may be a good idea to have them start doing some reading or other work a few nights before school starts. This can help eliminate some of the pressure that accompanies the first few days of school. My daughter in college has been working on course work for about a week.
7. Check out the bus stop. If your child is riding the bus for their first time, consider taking a walk or bike ride to your neighborhood bus stop. This will help familiarize your child with its location and surroundings.
8. Set several alarms. If your kids started going to bed at an earlier time a week or so prior to school, you’re probably a step ahead of the rest of us. If you have a teenager like me, that plan doesn’t work. Therefore, I’ll have her set her alarm so when my wife or I go into her room to wake her, she is already stimulated.
9. Set a reasonable bedtime. Excitement and a late night summer routine can make it difficult for your kids to go to bed the night before school starts. Consider compromising on the bedtime the first few nights until their bodies adjust to the school routine. Don’t forget that it’s important they get plenty of sleep. Depending on their age, they may need eight to thirteen hours of sleep per night.
I hope your child’s first day goes great!
