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What is a Deductible?

If you’ve ever had an auto accident or a homeowner’s claim, you have likely talked about your deductible. A deductible is the amount that is “deducted” or subtracted from the overall loss amount. So theoretically, if you have an auto…

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What to Do (and Not Do) After an Accident

If you’ve ever been in an accident, you may recall scrambling to try to figure out what to do and, more importantly, what not to do. A vehicle accident is never a pleasant experience for anyone involved. Nevertheless, as you make the first…

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Subrogation: The Right to Recovery

SUBROGATION – How’s that for a $.10 insurance word?  I suspect most of you do not know what subrogation is unless you’ve previously had a loss involving it. According to Black’s Law Dictionary (you know it’s serious when I quote…

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Tree Damage – Are You Insured?

With all the tree damage from the recent storms, we’ve seen a lot of online conversation about insurance and the coverage or lack of coverage for tree damage.  One person posted “Did you know that insurance only covers to have trees…

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The Other Side of an Accident Claim

When handling an automobile accident claim, I’m often asked the questions: “The other guy’s insurance company called me.  Should I talk to them?  What should I say?” That’s when Martha the super-cautious individual and Martha the experienced, common-sense claim professional are…

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A Smooth Claims Process is No Accident

An auto accident is a very jarring experience and most people are often unsure about what information to collect from the other party or parties involved. Accidents are frustrating in nature and lack of pertinent information can lead to delays in settling your…

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Navigating the Roof Claim Process

It’s springtime again and Mother Nature is already sending us strong winds and hail that may affect the one thing that offers the greatest protection to our home: the roof. Most of us have many questions when it comes to…

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