Back to School: Children and Insurance

Getting children prepped and off to school is often a hectic time. 

The last thing you want to think about is insurance. 
So, don’t.  That’s right, don’t think about insurance!

You’ve got too much on your plate, between clothing decisions, book-buying, book-bag purchases and packing. So, no, there’s no time for insurance.

What you can do, on the other hand, as your crazy, zany, busy early school days proceed is be mindful of things happening that could become an insurance event.  Putting your insurance into a “zen-like” part of your busy day can only help you avoid the dreaded-of-all-insurance-situations:
a claim!

Let’s start with young drivers.  They grow up so fast. When they pass their driver’s test, it’s a bittersweet. You have more freedom and they have more independence with getting from point A to point B.

You forgot to remember that she’d be asking to use the car to hang out with friends, attend school events, go shopping. Back to school time is a great time to be mindful, thinking of your young new-driver’s desires, and prepare yourself, and them, for that driving experience. 

It’s important to carefully remind them about safe driving techniques in order to avoid accidents and claims!

Rushing out the door on those first insane days of school can lead to other potentially dangerous situations, the kind that lead to insurance claims.

How about discussing safety measures before they even leave the house to get on the road? Such as, the coffee machine?  Does it have an Auto-Off feature? 

Too many household fires are caused by coffee machines burning through empty coffee carafes for hours on end.

There are other potentially dangerous events you can avoid when you add a small dose of “insurance mindfulness” into your crazy Back-To-School Days. 

Call your Independent Insurance Agent and ask her to help you become a Zen-Master of avoiding calamitous insurance claim events.  We promise that it’ll be better to enjoy watching your children run off to school in the mornings while you sip your coffee in peace.

Call us for a no-obligation, FREE insurance quote to help you determine that you, your family and your business are protected! You can reach us by calling 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review. Click here to Visit our Contact Us page.

Walk Through Your House Like a Claims Adjustor

Hopefully you will never need this advice to come to fruition. 
Hopefully you’ll never have a claim. 

But this is what insurance is all about: preparation.  When you prepare for a catastrophe, an accident, a fire or a theft when you buy the right insurance coverage, you’re creating an opportunity to recover.  The money your insurance pays out in the event of a claim is paramount to that recovery. 

There’s one other step to take in your preparation. When you make a claim, often the insurance company sends out a representative to review the damage or the loss and to assess the amount of coverage that should be paid out.  This person is the claims adjustor. 

Never assume the adjustor is looking to provide you with an equitable settlement on your loss or damage.  The best way to get the best financial recovery is to prepare in advance. 

Let’s look at your homeowner’s insurance to prepare for a claim that, hopefully, will never happen.  Walk through your house like a Claims Adjustor would.  Pretend you’re the claims adjuster but with the interest in protecting YOU, the homeowner.

In the event of a theft, you want to show the adjustor the precautions you’ve taken to prevent break-ins to your home.  Is your alarm system properly installed?  Does it have independent power backup?  Are all locks, including those on windows, secure and adequate? 

For the lost valuables, did you prepare with a high-quality inventory of your precious items?  Of all your items that would need to be replaced in the event of a fire?

Do you have photographic evidence to show to a Claims Adjustor?  For very valuable items, did you get a professional appraisal and is that appraisal recent and current?

For damage to the home due to weather including flood*, can you clearly demonstrate that you, the homeowner, took all necessary precautions to protect your home? 

For example, have you diligently cleared large trees or tree limbs that could easily fall on your home?  Have you created storage solutions in the basement of your home to minimize damage to belongings in the event of a water-intrusion event?

Take an hour and do a complete walk-through of your home.  If you ever have to file a claim, you’ll dramatically improve your payout.  That will go a long way to the peace of mind you need to recover.

Call us today to learn about your homeowners insurance and how to protect yourself in the event of an unforeseen claim. Now is the time: before you need your policy to go to work for you.

Your health and financial health depend on it. Call us at 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review.
Click here to Visit our Contact Us page.

*Flood insurance is always specifically excluded from homeowners. Please consult with your agent if you are interested in flood insurance.