http://www.bepinsurance.com/blog/View Bernard E. Pedersen & Associates, Inc.'s Website Blogen-uspostmaster@www.bepinsurance.comInsurance Website Builder - www.insurancewebsitebuilder.comurn:uuid:45cc082f-0295-4af9-b914-42f8cbcf4f87urn:uuid:dbdfe1fa-3ef9-4f04-946f-2524abea6f4e<img src='http://www.bepinsurance.com/img/~www.bepinsurance.com/Valentines%20Day.jpg' align='left' /> Love Your Valentine's Day Gift?&nbsp; Insure It! It&rsquo;s Valentine&rsquo;s Day, and thoughts of people everywhere turn to &hellip; jewelry. &nbsp; About...Tue, 31 Jan 2012 13:54:39 -0600<div class="ia-WikiPageVisibleField" id="iaLibraryTitle"><span style="font-size: 24px;"><img alt="" src="/img/~www.bepinsurance.com/Valentines%20Day.jpg" /><br /> <br /> Love Your Valentine's Day Gift?&nbsp; Insure It!</span></div> <div id="ctl00_PlaceHolderMain_WikiField"> <div class="ms-wikicontent ms-rtestate-field" style="padding-right: 10px;"> <div class="ExternalClass1AD3526CE7DE485BAD59AFFFBC94EA95"> <table id="layoutsTable" style="width: 100%;"> <tbody> <tr style="vertical-align: top;"> <td style="width: 100%;"> <div class="ms-rte-layoutszone-outer" style="width: 100%;"> <div class="ms-rte-layoutszone-inner" style="min-height: 420px;"> <div class="ExternalClass80567044266A4FB3A01F66434346555B">It&rsquo;s Valentine&rsquo;s Day, and thoughts of people everywhere turn to &hellip; jewelry.<br /> &nbsp;<br /> About one of four Americans buys jewelry, spending $2,000 per year on average, and industry experts expect jewelry sales to grow by at least 5% annually through 2025. Those who don&rsquo;t buy shiny things for Valentine&rsquo;s Day may prefer other types of valuables, such as electronics, artwork, antiques, wine and furs. All totaled, Valentine&rsquo;s Day gifts will tally approximately $17 billion of retail sales in 2008.<br /> &nbsp;<br /> Whatever the purchase, American consumers should take steps to safeguard and insure their valuables. <a href="http://www.trustedchoice.com/Content/Home-Apartments/Home-Apartments.aspx">Homeowners insurance </a>generally covers valuable and precious items such as jewelry, but they usually have limits. <br /> &nbsp;<br /> Typically policies restrict the dollar amount of coverage for individual valuable items ($1,000 is a typical maximum), as well as &ldquo;sub-limits&rdquo; that constrain coverage for certain categories of possessions (all the jewelry in the house, for example) to a certain dollar amount (say, $10,000).<br /> &nbsp;<br /> What&rsquo;s more, most homeowners insurance policies cover &ldquo;named perils&rdquo; such as fire, lightning, and windstorm. That will exclude many events that create financial losses. Note, for example, that &ldquo;my five-year-old dropping my engagement ring in the toilet and flushing&rdquo; is not a named peril.<br /> &nbsp;<br /> To cover such circumstances&mdash;or other situations that the insurance industry has dubbed &ldquo;mysterious disappearance&rdquo; &mdash;you&rsquo;ll need a valuable articles personal property endorsement (also called a &ldquo;floater&rdquo;) on your homeowners contract. Some homeowners insurance carriers also sell stand-alone valuables policies.<br /> &nbsp;<br /> Need to know what&rsquo;s best to protect your beloved Valentine&rsquo;s Day gift? Ask your <strong>Trusted Choice&reg; insurance professional</strong>. He or she will need a copy of your receipt or bill of sale for jewelry, furs, electronics and other valuable items. <br /> &nbsp;<br /> With valuable items, two of the biggest snags that consumers run into at the time of a claim are proving that an item is missing or stolen, and establishing a value for the items. In fact, insurance carriers, when contacted for a claim, sometimes even ask consumers to get a police report for the missing item, even if the loss was not thought to be a theft.<br /> &nbsp;<br /> Proving the value (termed &ldquo;proof of loss&rdquo;) of items is imperative when it&rsquo;s time to file a claim. Claims are simpler and faster for consumers when they have photos of valuable items and collections; receipts or appraisal reports: and a written inventory. <br /> &nbsp;<br /> Most valuables &ldquo;floaters&rdquo; or values policies can provide:<br /> &bull;&nbsp;All-risks coverage, which covers mysterious disappearance as well as flooding or breakage.<br /> &bull;&nbsp;$0 deductible, which means that the entire replacement cost of that engagement ring is covered.<br /> &bull;&nbsp;Blanket coverage for groups of valuables such as jewelry, crystal, or fine arts.<br /> &bull;&nbsp;&ldquo;Scheduled&rdquo; coverage (meaning that items are individually listed) for valuables.<br /> &bull;&nbsp;Coverage for valuables purchased but not yet reported to the insurance agent or carrier.<br /> &nbsp;<br /> Whatever is on your Valentine&rsquo;s Day wish list or shopping list, protect it. It&rsquo;ll help you love it even more. <br /> </div> </div> </div> </td> </tr> </tbody> </table> </div> </div> </div> <div class="s4-notdlg" id="iaPageFooterContainer"> <table width="930" align="center" id="iafooterframe" border="0" cellspacing="0" cellpadding="0"> <tbody> <tr> <td valign="top"></td> <td valign="top" style="background-image: url(/media/footer/layout_35.gif); width: 49px;"></td> <td valign="top"> <h3>&nbsp;</h3> <p><a href="http://www.facebook.com/trustedchoice" target="_blank"></a></p> </td> <td valign="top" style="background-image: url(/media/footer/layout_35.gif); width: 49px;"></td> <td valign="top"></td> </tr> </tbody> </table> </div>urn:uuid:c4220055-1ba1-4afa-b233-39ad4c0df16dWe are currently experiencing technical difficulties with our telephone and internet system. Please contact us on our cell phones until our network is back online. Hopefully we'll be back up and running by 12/21/2011. Ed Pedersen. 847-477-6070 S...Mon, 19 Dec 2011 14:31:03 -0600We are currently experiencing technical difficulties with our telephone and internet system. Please contact us on our cell phones until our network is back online. Hopefully we'll be back up and running by 12/21/2011. Ed Pedersen. 847-477-6070 Susan Pedersen. 847-477-6072 Bernie Pedersen. 847-903-3255 Thank you and we apologize for the inconvenience. Sincerely, Susan Pedersenurn:uuid:80f23242-6636-465f-96af-f26546516a93With the Thanksgiving Holiday approaching, we'd like to take this moment to thank each and every one of our wonderful clients for their business.&nbsp; We realize you all have a choice when shopping for insurance and it means so much to us that you'v...Fri, 18 Nov 2011 10:00:27 -0600<span style="font-size: 13px;">With the Thanksgiving Holiday approaching, we'd like to take this moment to thank each and every one of our wonderful clients for their business.&nbsp; We realize you all have a choice when shopping for insurance and it means so much to us that you've placed your trust in our agency.&nbsp; We wish you all a nice relaxing Thanksgiving Holiday and safe travels to all who will journey from home to be reunited with loved ones sharing the day. <br /> Sincerely,<br /> Susan, Ed &amp; Bernie<br /> <br /> ** A reminder to one and all that if you have an emergency during the Thanksgiving break when we will be out of the office: Here are some emergency numbers:<br /> Susan's Cell;&nbsp; 847-477-6072<br /> Ed's Cell; 847-477-6070<br /> Bernie's Cell; 847-903-3255<br /> Safeco Claims / Bill Payment / Customer Service;&nbsp; 800-332-3226<br /> <a href="http://www.safeco.com">www.safeco.com</a><br /> MetLife Claims; 800-854-6011<br /> MetLife Billing / Customer Service; 800-680-3391<br /> <a href="http://www.metlife.com">www.MetLife.com</a><br /> Mercury Claims / Bill Payment / Customer Service; 800-503-3724<br /> <a href="http://www.mercuryinsurance.com">www.mercuryinsurance.com</a><br /> Progressive Claims / Bill Payment / Customer Service; 877-776-2436<br /> <a href="http://www.progressive.com">www.progressive.com</a><br /> Foremost Claims / Bill Payment / Customer Service; 800-257-3905<br /> <a href="http://www.foremoststar.com">www.foremoststar.com</a></span>urn:uuid:df29c927-23bc-4fdd-be89-7a5ace220f0dDEER ROMANCE It's that time of year again to watch out for deer running to &amp; fro in pursuit of amorous activities.&nbsp; Midwestern states have high deer-car crash frequency with Illinois ranked 3rd in the USA, and Wisconsin ranking 10th.&nbsp; E...Thu, 27 Oct 2011 11:49:25 -0500<span style="color: #1f497d; font-size: 13px;"><span style="text-decoration: underline;">DEER ROMANCE<br /> </span>It's that time of year again to watch out for deer running to &amp; fro in pursuit of amorous activities.&nbsp; Midwestern states have high deer-car crash frequency with Illinois ranked 3rd in the USA, and Wisconsin ranking 10th.&nbsp; Early morning and evening hours are when deer are most active.&nbsp; Use high-beam headlights and look for the reflection on the deer's eyes.&nbsp; Blow your horn with one long blast to frighten them.&nbsp; They seldom run alone; when you see one, look for others.&nbsp; <strong>Brake firmly &amp; don't swerve</strong> (easier said than done) - glancing blows can cause your vehicle to leave the road, with potential for greater damage and more severe injuries.&nbsp; Swerving also confuses a deer trying to avoid you.&nbsp; If you hit a deer, stay away from it.&nbsp; Pull your car off the road &amp; call the police.&nbsp; Damage to your vehicle is covered under <strong>Comprehensive</strong> coverage and subject to your deductible.&nbsp; Though its' a company specific question, filing Comprehensive claims generally have a nominal&nbsp;affect on your future premium's, if at all.</span>urn:uuid:152f9831-d1d2-48a4-802d-b1eaf6bf2b43<img src='http://www.bepinsurance.com/img/~www.bepinsurance.com/carriers/METLIFE.jpg' align='left' /> MetLife Homeowners Insurance Policy Language for Tree Removal and Refrigerated Products HP2000 0902 CONTENTS AND ADDITIONAL COVERAGES &nbsp;B. We will also pay up to $500 for any one loss for the reasonable expenses you incur for the removal from ...Wed, 13 Jul 2011 14:12:07 -0500<p><span style="font-family: times new roman, serif; background: silver; font-size: 14pt;"><img alt="" src="/img/~www.bepinsurance.com/carriers/METLIFE.jpg" /><br /> <br /> <span style="font-family: arial; font-size: 18px;">MetLife Homeowners Insurance Policy Language for Tree Removal and Refrigerated Products </span></span></p> <p><i><span style="background: silver; font-size: 14pt;">HP2000 0902 CONTENTS AND ADDITIONAL COVERAGES</span></i></p> <p><span style="font-size: 18px;">&nbsp;</span><b><span style="background: yellow; font-size: 18px;">B. We will also pay up to $500 for any one loss for the reasonable expenses <i>you </i>incur for the removal from <i>your</i></span></b></p> <p><span style="font-size: 18px;"><b><i><span style="background: yellow; font-size: 14pt;">residence premises </span></i></b><b><span style="background: yellow; font-size: 14pt;">of:</span></b></span></p> <p><span style="font-size: 18px;"><b><i><span style="background: yellow; font-size: 14pt;">1. your</span></i></b><b><span style="background: yellow; font-size: 14pt;"> tree(s) felled by windstorm, hail or the weight office, snow or sleet, provided the tree:</span></b></span></p> <p><b><span style="background: yellow; font-size: 14pt;">a. rests on or against the dwelling or building structure or caused damage to property covered under</span></b></p> <p><span style="font-size: 18px;"><b><i><span style="background: yellow; font-size: 14pt;">COVERAGE A </span></i></b><b><span style="background: yellow; font-size: 14pt;">- <i>DWELLING </i>or<i> COVERAGE B - PRIVATE STRUCTURES;</i></span></b></span></p> <p><b><span style="background: yellow; font-size: 14pt;">b. blocks a driveway on the <i>residence premises </i>which prevents a motor vehicle from entering or</span></b></p> <p><b><span style="background: yellow; font-size: 14pt;">leaving the <i>residence premises; </i>or</span></b></p> <p><b><span style="background: yellow; font-size: 14pt;">c. blocks a ramp or other fixture designed to assist a handicapped person to enter or leave the dwelling;</span></b></p> <p><b><span style="background: yellow; font-size: 14pt;">or</span></b></p> <p><b><span style="background: yellow; font-size: 14pt;">2. <i>your </i>neighbor's tree(s) felled by a loss caused by <i>SECTION I - BROAD NAMED PERILS </i>provided the tree:</span></b></p> <p><b><span style="background: yellow; font-size: 18px;">a. caused damage to property covered under <i>COVERAGE A - DWELLING </i>or <i>COVERAGE B -</i></span></b></p> <p><b><i><span style="background: yellow; font-size: 14pt;">PRIVATE STRUCTURES;</span></i></b></p> <p><b><span style="background: yellow; font-size: 14pt;">b. blocks a driveway on the <i>residence premises </i>which prevents a motor vehicle from entering or</span></b></p> <p><b><span style="background: yellow; font-size: 14pt;">leaving the <i>residence premises; </i>or</span></b></p> <p><span style="font-size: 18px;"><b><span style="background: yellow; font-size: 14pt;">c. blocks a ramp or other fixture designed to assist a handicapped person to enter or leave the dwelling.</span></b><b> </b></span></p> <p><span style="font-size: 14pt;">3. <i>Reasonable Repairs. We </i>will pay the reasonable expenses <i>you </i>incur for necessary immediate and temporary</span></p> <p><span style="font-size: 13.5pt;">repairs to protect covered property from further loss following a loss we cover. This coverage does not increase</span></p> <p><span style="font-size: 12pt;">the limit of liability applying to the property being repaired.</span></p> <p><span style="font-size: 13.5pt;">4. <i>Fire Department Charges. We will </i>pay up to $750 for <i>your </i>liability assumed by contract or agreement when a</span></p> <p><span style="font-size: 13pt;">fire department is called to save or protect the <i>residence premises </i>from uninsured peril. We do not cover fire</span></p> <p><span style="font-size: 13.5pt;">department service charges if the property is located within the limits of the city, municipality or protection district</span></p> <p><span style="font-size: 18px;">furnishing the fire department response.</span></p> <p><span style="font-size: 14pt;">5. <i>Emergency Removal of Property. We </i>will pay for toss to covered property from any cause while being removed</span></p> <p><span style="font-size: 13.5pt;">from a premises because of danger from a toss we cover. This coverage also applies to the property for up to 30</span></p> <p><span style="font-size: 12.5pt;">days from the date of removal. <i>We </i>will also pay for reasonable expenses <i>you </i>incur for the removal and return of</span></p> <p><span style="font-size: 13.5pt;">the covered property. This coverage does not increase the limit of liability applying to the property being</span></p> <p><span style="font-size: 8pt;">removed.</span></p> <p><span style="font-size: 13pt;">6. <i>Emergency Living Expense. We </i>will pay up to $500 for the reasonable increase in living expenses <i>you </i>incur</span></p> <p><span style="font-size: 13.5pt;">due to a power interruption to the <i>residence premises. </i>The power interruption must take place away from the</span></p> <p><span style="font-size: 18px;"><i><span style="font-size: 14pt;">residence premises. </span></i><span style="font-size: 14pt;">The cause for the power interruption must not be due to purposeful retraction of power by</span></span></p> <p><span style="font-size: 14pt;">the utility or power grid authority resulting in a planned electrical brownout or blackout. Coverage does not begin</span></p> <p><span style="font-size: 11.5pt;">until 46 hours after the power interruption begins.</span></p> <p><span style="font-size: 18px;"><b><i><span style="background: yellow; font-size: 14pt;">Refrigerated Contents. We </span></i></b><b><span style="background: yellow; font-size: 14pt;">will pay up to $1000 for the contents of a freezer or refrigerated food storage unit on</span></b></span></p> <p><b><span style="background: yellow; font-size: 13.5pt;">the <i>residence premises </i>for loss due to a mechanical failure or power interruption. If mechanical failure or power</span></b></p> <p><b><span style="background: yellow; font-size: 14pt;">interruption is known to <i>you, </i>all reasonable means must be used to protect the property from further damage or</span></b></p> <p><b><span style="background: yellow; font-size: 13.5pt;">this coverage is void. The policy deductible does apply to this coverage. The cause for the power interruption</span></b></p> <p><b><span style="background: yellow; font-size: 13pt;">must not be due to purposeful retraction of power by the utility or power grid authority resulting in a planned</span></b></p> <p><span style="font-size: 18px;"><b><span style="background: yellow; font-size: 14pt;">electrical brownout or blackout.</span></b><b> </b></span></p> <p><span style="font-size: 18px;"><i><span style="font-size: 13.5pt;">Credit Card, Electronic Fund Transfer Card, Forgery and Counterfeit Money. We </span></i><span style="font-size: 13.5pt;">will pay up to $1000 for</span></span></p> <p><span style="font-size: 8pt;">toss:</span></p> <p><span style="font-size: 12.5pt;">A. that <i>you </i>are legally required to pay because of the unauthorized use of any credit card or electronic fund</span></p> <p><span style="font-size: 10.5pt;">transfer card issued to or registered in <i>your </i>name; and</span></p> <p><span style="font-size: 12pt;">B. to <i>you </i>caused by forgery or alteration of any check or negotiable instrument; and</span></p> <p><span style="font-size: 13pt;">C. to <i>you</i> through acceptance in good faith of counterfeit United States or Canadian paper currency.</span></p> <p><span style="font-size: 12pt;">If Increased Coverage on Credit Card is shown in the Declarations, then the $1000 limit is increased to the</span></p> <p><span style="font-size: 8pt;">amount shown.</span></p> <p style="margin: 0in 0in 10pt;"><span style="font-size: 13pt;">D"2 MPL 8110-000 Printed in U.S.A. 0902 (Page 4of 7</span></p> <p style="margin: 0in 0in 10pt;"><span style="font-size: 18px;">&nbsp;</span></p>urn:uuid:85371d2a-3055-4a00-a085-35ab5f5a2454<img src='http://www.bepinsurance.com/img/~www.bepinsurance.com/carriers/SAFECO.jpg' align='left' /> &nbsp;Monday, July 11, 2011 TREE REMOVAL INFORMATION &amp; Debris Removal : ADDITIONAL PROPERTY COVERAGES ThefollowingAdditionalPropertyCoveragesare subject toall theterms, provisions, exclusions, andconditions of this policy. 1. Debris Remova...Mon, 11 Jul 2011 14:59:36 -0500<div class="mbl notesBlogText clearfix"> <div> <p><img alt="" src="/img/~www.bepinsurance.com/carriers/SAFECO.jpg" /><br /> <br /> <br /> <br /> &nbsp;Monday, July 11, 2011<br /> <br /> TREE REMOVAL INFORMATION &amp; Debris Removal :</p> <p>ADDITIONAL PROPERTY COVERAGES</p> <p>ThefollowingAdditionalPropertyCoveragesare subject toall theterms, provisions, exclusions, andconditions</p> <p>of this policy.</p> <p>1. Debris Removal.We will pay the reasonable expense you incur in the removal of debris of covered property</p> <p>provided coverage is afforded for the peril causing the loss. Debris removal expense is included in the</p> <p>limit of liability applying to the damaged property. When the amount payable for the actual damage to</p> <p>the property plus the expense for debris removal exceeds the limit of liability for the damaged property,</p> <p>an additional 5% of that limit of liability will be available to cover debris removal expense.</p> <p>Wewillalsopay thereasonableexpenses youincur, upto$500, for theremoval of trees fromtheresidence</p> <p>premises, provided the trees damage Building Property We Cover. The $500 limit is the most we will</p> <p>pay in any one loss regardless of the number of fallen trees.</p> <p>2. Reasonable Repairs.We will pay up to the amount stated in your Policy Declarations for the reasonable</p> <p>cost youincur for necessary repairsmade solely to protect covered property fromfurther damage, following</p> <p>acovered loss. This coverage does not increasethelimitof liabilityapplyingto theproperty being repaired.</p> <p>3. Trees, Shrubs and Other Plants. Wec over, as an additional amount of insurance, trees, shrubs, plants</p> <p>or lawns, on the residence premises, for loss caused by the following perils: Fire or lightning, Explosion,</p> <p>Riot or civil commotion, Aircraft,Vehicles not owned or operated by aresident of the residencepremises,</p> <p>Vandalism or Malicious mischief and Theft.</p> <p>We will pay up to 5% of the limit of liability that applies to the dwelling for all trees, shrubs, plants and</p> <p>lawns. No more than $500 of this limit will be available for any one tree, shrub or plant.</p> <p>4. Fire Department Service Charge. We will pay, up to the amount stated in your Policy Declarations, as</p> <p>an additional amount of insurance, for your liability assumed by contract or agreement for fire department</p> <p>charges incurred when the fire department is called to save or protect covered property from a loss we</p> <p>cover.</p> <p>We do not cover fire department service charges if the property is located within the limits of the city,</p> <p>municipality or protection district furnishing the fire department response.</p> <p>5. Property Removed.Weinsure covered property against direct loss fromany causewhile being removed</p> <p>from a premises endangered by a loss we cover. We will cover this property for a maximum of 30 days</p> <p>while removed. This coverage does not change the limit of liability that applies to the property being</p> <p>removed.</p> <p>6. Land Stabilization. Wewill pay up to the amount stated in your Policy Declarations for the cost required</p> <p>to replace, rebuild, stabilize or otherwise restore the land necessary to support the insured dwelling or</p> <p>other structures sustaining a covered loss. This is an additional amount of insurance.</p> <p>7. BuildingOrdinanceorLawCoverage.Wewillpay for damage toBuilding PropertyWeCover resulting</p> <p>from a covered cause of loss in compliance with any ordinance or law that regulates the construction,</p> <p>repair or demolition of the property.</p> <p>This coverage does not apply unless you choose to repair or rebuild your property at its present location.</p> <p>We do not cover:</p> <p>a. the loss in value to any covered building or other structure due to the requirements of any ordinance</p> <p>or law; or</p> <p>b. the costs to comply with any ordinance which requires any insured or others to test for, monitor,</p> <p>cleanup, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess theeffects</p> <p>of, pollutants or contaminants. However, for purposes of Building Ordinance orLawCoverage,</p> <p>pollutants or contaminants shall not include asbestos or materials containing asbestos.</p> <p>Youmay useall or part of this ordinance or lawcoverage topay for the increased costs youincur to remove</p> <p>debris resultingfromtheconstruction, demolition, remodeling, renovation, repairor replacement of property</p> <p>as stated above.</p> <p>&nbsp;</p> </div> </div> <p>&nbsp;</p> <div id="bottomContent"></div> <script type="text/javascript">/*<![CDATA[*/function si_cj(m){setTimeout(function(){new Image().src="http:\/\/error.facebook.com\/common\/scribe_endpoint.php?c=si_clickjacking&t=5051"+"&m="+m;},5000);}if(top!=self){try{if(parent!=top){throw 1;}var si_cj_d=["apps.facebook.com","\/pages\/","apps.beta.facebook.com"];var href=top.location.href.toLowerCase();for(var i=0;i<si_cj_d.length;i++){if (href.indexOf(si_cj_d[i])>=0){throw 1;}}si_cj("3 http:\/\/www.facebook.com\/");}catch(e){si_cj("1 \thttp:\/\/www.facebook.com\/");window.document.write("\u003cstyle>body * {display:none !important;}\u003c\/style>\u003ca href=\"#\" onclick=\"top.location.href=window.location.href\" style=\"display:block !important;padding:10px\">\u003ci class=\"img sp_3xd8gf sx_a19c6e\" style=\"display:block !important\">\u003c\/i>Go to Facebook.com\u003c\/a>");/*zCvquE4G*/}}/*]]>*/</script> <div id="pageFooter" data-referrer="page_footer"> <div id="contentCurve"></div> <div class="clearfix" id="footerContainer"> <div class="mrl lfloat" role="contentinfo"></div> </div> </div>urn:uuid:031767ab-cd94-4d90-a487-8a3b07cbb069Tuesday night storms ripped through the Elmhurst area and we had several clients with trees blown&nbsp;down.&nbsp; The general rule of thumb in regard to tree removal being covered by your Homeowners&nbsp;Insurance policy is:&nbsp; Tree removal may...Thu, 23 Jun 2011 11:11:52 -0500<span style="font-family: ms sans serif; font-size: 16px;">Tuesday night storms ripped through the Elmhurst area and we had several clients with trees blown&nbsp;down.&nbsp; The general rule of thumb in regard to tree removal being covered by your Homeowners&nbsp;Insurance policy is:&nbsp; <br /> <br /> Tree removal may be covered up to $500.00 IF&nbsp;the tree&nbsp;falls on and does damage to YOUR&nbsp;covered property, like a fence, pool, deck, roof etc.&nbsp; This coverage is subject to your Homeowners Insurance deductible, which means the damage to the property must exceed your deductible in order for the tree removal coverage to apply.<br /> <br /> Additionally, If<span style="text-decoration: underline;"><em> </em><strong>your</strong></span><strong>&nbsp;</strong>tree falls on your<strong><span style="text-decoration: underline;"><em> </em>neighbors&nbsp;</span></strong>property such as their fence, pool, deck, etc., it is your neighbors Homeowners Insurance policy that will be used to cover that damage &amp; the subsequent tree removal.&nbsp; There is one instance in which tree removal and property damage to others as a result of your tree falling on it,&nbsp;may be covered by your own insurance.&nbsp; This is when the tree is known to be diseased or dead and posing a danger to the property and&nbsp;you (the insured)&nbsp;fail to take action to remove the tree or protect the property.&nbsp; If a live, healthy tree falls on a neighbors property it is considered an act of God and will be covered by the neighbors insurance policy and not your own.<br /> <br /> As always, whenever a question about the coverage on your insurance policy crops up, please call us for assistance in understanding your policy language.</span>urn:uuid:9aaa6e2f-56ee-4397-94bd-321c735fd6b4I keep reminding everyone to make sure they have back up of sump and sewer coverage because it's our most common homeowners claim and most policies don't cover it unless you pay extra and purchase the option but I wanted to mention the second most co...Thu, 16 Jun 2011 09:57:18 -0500<span style="font-size: 16px;">I keep reminding everyone to make sure they have back up of sump and sewer coverage because it's our most common homeowners claim and most policies don't cover it unless you pay extra and purchase the option but I wanted to mention the second most common source of claims dissatisfaction.. this time related to the automobile insurance policy....&nbsp; Rental Car Reimbursement Coverage.&nbsp; This coverage allows you to rent a vehicle while your car is unusable because of an insurance related claim like a collision or theft.&nbsp; You have to purchase this coverage and it costs extra but the price is minimal.&nbsp; Please check your policy to make sure you have rental car reimbursement coverage.&nbsp; Also, if you need to be able to rent a larger car like a minivan or SUV etc... the cost per day for the rental car reimbursement coverage varies.&nbsp; If you just need a small compact replacement car temporarily then go with the minimum per day option like $20 to $25 dollars per day.&nbsp; If you think you'd need a larger, or would like a nicer vehicle you can buy coverage up to $75 per day.&nbsp; Just give us a call and we'll tell you the cost for the coverage.<br /> </span>urn:uuid:9d344ae2-dbb7-4fca-84d2-72eda39bcf57Rain and Stormy weather are on the way.&nbsp; Everyone should check their homeowners insurance policies for the all important Back up of Sump Pump and Sewer coverage.&nbsp; If you don't see it listed on your policy, you probably don't have coverage s...Thu, 09 Jun 2011 17:34:53 -0500Rain and Stormy weather are on the way.&nbsp; Everyone should check their homeowners insurance policies for the all important Back up of Sump Pump and Sewer coverage.&nbsp; If you don't see it listed on your policy, you probably don't have coverage so give us a call right away to add it to your insurance policy.&nbsp; 847-359-6070!