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Back You are here: Home Columns Weekly Columns Auto and Home Insurance 101 Auto and Home Insurance 101 for November 20, 2013

Auto and Home Insurance 101 for November 20, 2013

WHAT DO I DO WHEN MY PROPERTY IS DAMAGED? WHAT IF I GET SUED OR FOUND LIABLE FOR INJURY TO ANOTHER PERSON?

Steve Bowman, Property & Casualty Insurance Broker

If there is damage to your home or possessions, make “emergency” repairs to protect yourself and your property from further damage. 
Then call your insurer, the 800 Claims Number and the policy number are on your policy, you will get a Claim number,  then call your agent.
Remember to keep this Claim number in a safe and convenient location. 
For example, if some windows in your home have been blown out by wind, you may board them up to prevent additional damage.  In fact, your policy covers the cost of these emergency measures. 
However, before setting out to make permanent repairs, call your  insurance company.
Your  insurance company has the right to inspect the property in its damaged condition.  They may want to send a claims adjuster or instruct you to get an estimate from an independent contractor.
If you get sued or found liable for an injury to another person, liability insurance covers bodily injury and property damage to others due to negligence.  For example, someone trips on your child’s skateboard in your  driveway, the coverage applies to non-auto accidents that occur either at your residence or off the premises.  Medical expense payments such as first aid can also be due to the injured party.
From the office of: Steve Bowman, Property & Casualty Insurance Broker, 106 K Ave. Kure Beach, NC 28449 : Phone 910-458-1164 : 800-542-2502 : Fax 910-458-7311
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