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How to Handle Your Insurance Before The Storm

 Address your insurance before the storm.

BE SAFE
BE PREPARED

In anticipation of hurricanes, we would like to take this time to provide you with some information. PRIOR to the storm arriving to our area, Fuquay-Varina,NC and elsewhere, please take the following steps now:

1. Locate all insurance policies( home, auto, boat, business, etc) or at least the carriers name and their after-hours claims phone number. You may also find this info on our website under claims tab. We will be glad to assist, however, in case of a power outage you will be better served to call the carriers claim center direct.

2. Write other emergency contact info down as well such as Fire Dept, Police Dept, repair and service contractors

3. If you have major damage and would rather use our recommended restoration companies for cleanup and repairs please keep these contact numbers for later reference:

Carolina Restoration 1-919-469-1955
Advanta Clean 1-877-800-2382
Emerg NC 1-919-363-7462
Paul Davis Restoration 1-919-331-2030

Once the storm has passed and out of harm’s way, you may take any actions you feel appropriate to minimize further damage. Please take pictures and keep receipts so that you will be eligible for reimbursement. You may proceed with getting estimates but please wait until an adjustor contacts you before final repairs are made. If you use our restoration companies they will immediately begin water clean up and work with the insurance carriers directly.

Please contact our office at 1-919-557-9085 with any questions. Prior to storm and once it passes and power returns we will be here to assist any way possible. Please be assured that by following these steps your claim will be addressed as quickly as possible
Thank you for trusting Creative Insurance Solutions with your insurance needs.

Let Us Help You Get The Right Insurance Coverage In Angier,NC

Business or personal, Creative Insurance Solutions can help you find the right insurance coverage
for you and your business if you live or work in Angier,NC. Since we are an insurance broker, we can “shop around” for the best price on the amount of insurance coverage for you.

Located in Fuquay-Varina, NC, the team at Creative Insurance Solutions have been providing insurance services for Angier, NC residents for over 20 years. In fact, Scott Johnson, owner of Creative Insurance Solutions, grew up in Harnett County and still lives right outside of Angier,NC.

Insurance_for_ Angier_NC_residents

Creative Insurance Solutions offers personal lines and commercial lines of insurance for Angier,North Carolina residents, and business owners. The personal lines include auto insurance, homeowner’s insurance, motorcycle insurance,umbrella insurance, health insurance, life insurance and DWI insurance. Commercial or business lines include business owner’s insurance, commercial auto insurance, workman’s compensation insurance, and liquor liability/hospitality insurance for all of North Carolina.

We are only a phone call away. Call us at 919-557-9085 or stop by our convenient Fuquay-Varina, NC office at 1321 North Main Street. Let us shop for the best policy for you or your business at the best price if you live or own a business in Angier, NC.

To learn more about Angier,NC, please visit http://www.angier.org/

Here is some recent news about Angier,NC:

http://www.wral.com/flooded-farm-fields-lead-to-harvest-of-sorrow/16114157/

 

Facebook: If You Say The Wrong Thing Will Insurance Help?

Facebook Follies: Will Your Insurance Help If You Say the Wrong Thing?

Social networking Web sites, such as MySpace, Facebook and LinkedIn, are growing increasingly popular with young people and adults alike. These sites allow people to reconnect with old friends and colleagues and to make new connections. However, as with most other Web sites, these sites allow the posting of communications that the posters may come to regret. These posts can cause hard feelings and may result in significant financial loss.

In the winter of 2009, a teenager from Oceanside, New York sued Facebook, four of her high school classmates, and their parents for $3 million. The suit accused the four classmates of bullying and humiliating her in a forum on Facebook. They allegedly posted derogatory and false statements about her that were intended to hold her up to “public hatred, ridicule and disgrace.” Whether or not the allegations prove to be true, the teenagers and their parents need legal defense and possibly resources to pay judgments against them. They may look to their homeowner’s insurance policies to cover these costs, but will the policies respond?

A standard policy will probably not cover this. The policy pays amounts for which the policyholder (the insured) is legally liable, plus the costs of legal defense, for bodily injury or property damage done to someone else. The policy defines bodily injury as meaning bodily harm, sickness or disease; it defines property damage as injury to, destruction of, or loss of use of physical property. Neither of these definitions includes saying or publishing something that injures another’s reputation or feelings. Consequently, the policy is unlikely to cover a post on Facebook. The girl from Oceanside did not allege that her classmates hurt her body, made her sick or passed her a disease; she accused them of making her life miserable. The policy does not cover that offense.

Insurance companies may offer special personal injury coverage that can be added to homeowner’s policies. This coverage pays for the insured’s liability for several offenses, including oral or written publication of material that violates someone’s privacy. If any of the Oceanside classmates’ parents have this coverage, their insurance may cover the claims.

Another potential source of coverage is a personal umbrella policy. An umbrella provides additional insurance in situations where a loss has used up the amounts of liability insurance under homeowner’s or auto policies. It also covers some liability losses that those policies do not cover, such as personal injury losses. Umbrellas typically carry a deductible of $250 or $500. Suppose one of the parents in the Oceanside case does not have personal injury coverage on his homeowner’s policy, but he does have an umbrella. The umbrella will pay for his and his child’s defense and their shares of any judgment, minus the $250 deductible. If he does have the coverage on his homeowner’s policy, this policy will pay until its limits are exhausted, and the umbrella will pay the rest, up to its limit.

The costs of enhanced homeowner’s policies and personal umbrella policies will vary from one insurer to another. Also, the terms of umbrella policies vary among companies. An insurance agent can provide information on coverage options and prices.

Communicating online has become an ordinary part of life today. Web sites like Facebook offer new and exciting ways to meet new people and to stay in touch with people all over the globe. However, they bring with them their own unique risks. Anyone using sites like these should be careful with what they and their children are saying, and they should make sure they have proper insurance backing them up.

How To Determine Coverage For Auto and Homeowner’s Insurance

Determining What Coverage Limits You Need for Auto and Homeowner’s Insurance

Most of us prefer to avoid thinking about scenarios that would cause an insurance claim-our homes damaged by fire or wind, someone injured on our property, or people hurt in an auto accident.  However, it is necessary to give some thought to these disturbing possibilities to ensure that you are adequately prepared and protected in the event of such a catastrophe.  Reviewing your insurance coverage will also clarify if there’s a need for an additional umbrella policy for extra protection.  So, let’s try to cover some of the basics on coverage limits.

Homeowner’s Insurance

Homeowner’s insurance covers three areas:  damage to the home, damage to the contents of the home (personal property), and your liability for injuries to others.

Before obtaining homeowner’s insurance, it’s a good idea to stop and consider exactly what you want the insurance to offer you.  You may want coverage just to pay off the mortgage in the event you can no longer occupy your home.  It’s more likely you’ll want to continue living in your home after a claim or sell it at market value, so you will want your insurance to pay for repairs caused by fire, wind, or some other covered peril.  In most cases, reconstruction means you will need insurance that actually covers more than the home’s market value.

Replacement value, which is the cost to reconstruct a damaged home, is generally higher than the cost of buying a similar home on the market due to the specialized nature of reconstruction as opposed to new construction.  For example, in reconstruction there will be the initial cost of debris cleanup.  New construction starts at the bottom and builds up, but with reconstruction it’s often necessary to take off the roof and build down, which is more expensive.  Furthermore, after a natural disaster, construction costs rise due to demand.  Bear in mind that your insurance can cover not only the costs to rebuild, but also the costs for you to live elsewhere, if necessary, while the home reconstruction is completed.  We are experienced in determining replacement value and can help assess your coverage needs as well as determine available coverage based on the age and condition of your home.

Also consider whether you want replacement coverage for clothing, furniture, appliances, and other personal property inside your home.  Without replacement coverage, your coverage for personal property is depreciated by the age and wear of the items lost.  Due to depreciation, the computer you paid $1,500 for three years ago may be valued at only $400 or $500, which is all the insurance company would pay if you don’t have replacement coverage.

Some insureds will need more coverage for personal property (contents) than their policy provides. The amount of personal property coverage is usually limited to 70% of the coverage limit for the structure.  For example, if you have an art collection, antique furniture, jewelry, or other valuable possessions, talk to your agent about supplemental coverages, such as fine arts or scheduled property endorsements, to adequately protect your investment in these items. The cost is modest for the extra protection.

The standard amount of liability coverage in a homeowner’s policy is $100,000, which covers personal liability for damage to property or personal injury caused to others.  Will this be enough to protect your assets in the event you are found liable in a personal injury lawsuit?  If not, you need to consider a higher level of liability coverage with your homeowner’s policy and/or you may want to consider purchasing a separate liability umbrella policy (discussed below).

Auto Insurance
There are six different types of auto insurance coverage.  Three relate to liability, two for damage to your vehicle, and one provides specific coverage for accidents involving you and an uninsured or underinsured driver.

Collision coverage covers the costs of damage to your vehicle caused by collisions with other cars or objects; comprehensive coverage covers theft or damage to the vehicle caused by events other than a collision with another car or object.  How much coverage you need depends on the value of your vehicle.

Auto liability insurance is required in most, if not all, states, but the liability limits that drivers are required may not be enough to protect your assets.   Even one serious injury caused by an accident for which you are liable could cost into the six figures, or more in extreme cases, just for medical expenses.  And the amount only increases if there are more injured people.  It’s easy to see that the $50,000 of per accident liability coverage required in many states would not be enough to pay all the costs of property damage and bodily injury.  Auto insurance companies recommend that you have $100,000 of bodily injury protection per person and $300,000 per accident. If your personal net worth is more than $300,000, consider buying additional liability auto insurance.

Do I Need an Umbrella Policy?

Unfortunately, even with our best intentions and efforts, accidents may happen for which we are legally at fault.  Medical costs are sky high.  If someone were permanently disabled by an accident, the expenses of lifetime care could be astronomical.  If someone killed left behind survivors who were depending on that person for support, you could be liable for damages to the survivors.  Keep in mind that any costs not covered by insurance will come out of your pocket; you could be forced to sell property or to turn over part of your earnings for years to come, perhaps the rest of your working life, to an injured party.

There are limits on the amount of liability coverage available as part of your homeowner’s and auto insurance policies.  If you have total assets valued at more than these limits – including, say, your vacation home, investments, rental property, boats and vehicles — or if you have a high income, an umbrella policy offers a great deal of protection for a relatively low premium.

In addition to the assets you want to protect, you may want to consider your risk of being sued.  Do you live in a state that is particularly friendly to plaintiffs?  Do you have frequent guests on your property?  Do you have a swimming pool, trampoline, swing set, or other sports equipment in your yard?  Do you have a dog that is overly protective of your property?  Are you or any of your household members aggressive, fast, or careless drivers?  If so, your risk is greater that someone may be injured, perhaps very seriously, and you would be legally at fault.  In fact, any situation that could result in serious injury, long-term physical impairment, psychological damage or death could put your financial well-being at risk.

Once the liability limits are exhausted on your home or auto policy, your umbrella policy takes over and provides another layer of liability protection.  Policies typically start at $1 million with coverage available up to $10 million.  Premiums start at around $300 a year – less than a dollar a day for a great deal of protection.

The best way to determine whether you need an umbrella policy is to discuss your financial status, lifestyle, and current and future assets with your insurance agent.   Ask him or her to review the liability limits in your current policies and suggest the best strategy to ensure protection of your assets in the event of an injury for which you are legally liable.

Give us a call at Creative Insurance Solutions or fill out one of our free quote forms and we will be happy to help you find the best coverage limits for your home and car.

Welcome To The Creative Insurance Solutions Blog

Welcome to the Creative Insurance Solutions Blog!

This is our first blog post and we just want you to encourage you to check back often for information on what’s going on at our independent insurance agency here in Fuquay-Varina, NC . Our goal with the blog is to educate you on different types of insurance that is available, including personal and business lines. Of course we want to post some human interest things for your enjoyment, too.

Stay tuned!