protecting you home from a storm Archives - Spencer Insurance Agency, Inc

Due to the storm our office is closed on Monday. We can still help. . .

For the safety of our staff, Spencer Insurance Agency will be closed on Monday.  However, we will monitor our voice mail and email so please contact usPlease call claims directly to our companies (see below) as this will speed up the claims process.  Below you will find some vaulable information to help you through this storm.

We are here to help you. . .

We hope all our clients and friends are safe after this recent storm.  Spencer Insurance Agency is here to help you recover from Sandy.  Hopefully the following information will be useful for you.

If you need to make a claim with your insurance company here are some tips:

  • Call the claim into the company as soon as possible.  Check out our WEBSITE  for claim phone numbers for our companies.
  • Due to the volume of claims you may not get through to the company on your first try.  Try a few times as it is best for you      to call the company directly.  This way the claim process gets started immediately. If you call our agency the company will need to contact you before they can start the process.  However, if you cannot get through to your company after a number of attempts call our office at 215-885-2200.
  • The companies Spencer Insurance Agency represent are top notch companies with outstanding claims service, however due to the volume of claims and limited access to the damage an adjustor may have a hard time getting out to see you.  Take the following precautions:
    • Protect your property and make any temporary repairs necessary to protect your house and its contents and minimize hazards.  Move your property to a protected site if necessary.
    • Take pictures of the damage.
    • Do not throw anything away as the insurance company’s adjustor will need to inspect the damaged property.  You can move damaged property outside your house.
    • Start an inventory of the damaged property.
    • Call our office if you have any questions or concerns about your claim.
  • Beware of contractors who knock on your door and offer to help.  Check out these tips from FEMA when hiring a contractor after a natural disaster:
  • Here are a couple websites with tips on what to do after an Hurricane.

Dealing with the aftermath of a natural disaster can be very upsetting emotionally and financially.  At Spencer Insurance Agency we are here to help this process go as smoothly as possible. Give us a call at 215-885-2200 if you have any questions or concerns about your claim. When you call our office you get our voice mail please leave a message and we will get back to you as soon as possible.  You can also contact us on our website.

Are the hurricanes, tornados, earthquakes, wild fires and flooding over?

Earthquakes, hurricanes and flooding?

I must be talking about the West Coast, Midwest and Mississippi Valley regions.  Before August and September of 2011 if I talked to clients about earthquake insurance
and flood insurance, people would look at me like I had two heads!

August and September changed all that!  I don’t know about you but I am tired of cleaning water out of my basement.  Fortunately for me, I had only a few inches each time and my basement is not a finished basement.

Did you have the proper coverage for all your storm related problems?  Can you find the protection you need?  Did you check with your agent?

Now that the dust has settled a bit, it is time to review your homeowner’s insurance with your agent. Here is a list of the most frequent claims our clients reported from the recent storms and flooding:

  • Wind/Fallen tree damage
  • Sump pump failure and water backup
  • Flooding
  • Cars flooded
  • Roof damage

Another issue that pops up during a named storm is your deductible.  There is an insurance company is Pennsylvania that puts a “Named Storm” deductible on homeowner’s policies.  That deductible can be 2% of your “coverage A”.  That means if you have damage to your house from a “Named Storm” like Irene, you may need to pay the first 2%.  If your house is insured
for $250,000 that means your deductible is $5000.  Does your policy have this “Named Storm” deductible?

This type of “Named Storm or Hurricane” deductible is common in coastal areas or areas hit by tornadoes.  We may see more companies adding this type of deductible in Pennsylvania.  However, what many people do not know is they can lower that deductible or eliminate it and just have a normal $500 or $1000 deductible.  Sure, it will cost a few dollars more but it may be worth it.

Call your agent today to discuss your homeowner’s policy and to make sure you are covered for the above list of claims.

By the way. . . the three flooding claims that were reported to our office were in “B” or “X” zones  which are not considered 100 year flood areas and do not require the purchase of flood insurance.  All three clients were extremely happy they purchased the flood insurance even though they were not required to have it.  One of their neighbors who did not have flood insurance wants us to quote them.

Share with me by commenting below what your experience was with the storm.  If you have a question ask it in the comment section and I will respond.  As the Boy Scouts motto reads: Be Prepared!

For more tips visit our Website.