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Managing Insurance Claims

11:31 AM, Jan 16, 2014   |    comments
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Homeowners Insurance Basics: 

Not EVERYTHING is covered by insurance 
Important to know generally what is covered, what your responsibility will be financially if there is a claim etc. 
Importance of Home Inventory - talk about the downloadable software on .com, and also mobile apps 
If you add on or upgrade roof, electrical - importance of letting your agent know. 
Could try to touch on multi-line discount - a lot of people don't realize that 
Claim Filing process - go through what they should expect: 
  Call Agent, explain damage - when to file a claim vs. absorb yourself 
  What type of documentation are we looking for, saving receipts etc. 
  When the claim rep comes out - what happens on site 
  After the rep is done, generally what is the next step 
  Maybe mention some policy benefits either people don't realize they have, OR think they have and they don't - to illustrate that a) not everything is covered and b) it's important to have an idea of your policy benefits.

Frozen Pipes & Ice Dams: 
Frozen pipes and ice dams are typically a covered loss 
While you are waiting: 
  you can make temporary repairs to prevent further damage. 
  Document damage with photos 
  Save receipts for supplies bought for temp repairs - may be reimbursed 
Important to call your agent or company (1800SFCLAIM) if you have damage or further questions. Someone is always available to answer our customer's questions.

With Frozen pipes prevention is the key: 
A trickle of hot and cold water might be all it takes to keep your pipes from freezing. Let warm water drip overnight, preferably from a faucet on an outside wall. 
Keep your thermostat set at the same temperature during both day and night. You might be in the habit of turning down the heat when you're asleep, but further drops in the temperature - more common overnight - could catch you off guard and freeze your pipes. 
Open cabinet doors to allow heat to get to un-insulated pipes under sinks and appliances near exterior walls

If your pipes do freeze: 
If you turn on your faucets and nothing comes out, leave the faucets turned on and call a plumber. 
Do not use electrical appliances in areas of standing water: You could be electrocuted. Never try to thaw a pipe with a torch or other open flame because it could cause a fire hazard. 
You may be able to thaw a frozen pipe with the warm air from a hair dryer. Start by warming the pipe as close to the faucet as possible, working toward the coldest section of pipe. 
If your water pipes have already burst, turn off the water at the main shutoff valve in the house; leave the water faucets turned on. Make sure everyone in your family knows where the water shutoff valve is and how to open and close it.

Courtesy: Mike Garner, State Farm

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