Month: May 2017

Will Auto Insurance Cover Pothole Damage to Your Car?

Posted on by AgentInsure

Whenever spring rolls around, the streets begin to be filled with potholes. Caused by the freezing and thawing of water, these potholes are not only annoying, but they can do a significant amount of damage to your vehicle. If you have a flat tire or a broken rim, which are common damage caused by potholes, you may be wondering if your auto insurance policy can help you cover the repair costs. In some cases, this may be an option.

What Your Auto Insurance Covers

Every auto insurance plan is a bit different. It is important to contact your agent at JC Demo Insurance Group to learn more about the specific details of your plan.

If you have collision insurance, it may cover damage caused by striking a pothole. However, some auto insurance plans have specific exclusions to this type of damage. That means the policy does not cover the loss at all. If you do not have collision insurance, you generally will not be able to file a claim for this type of damage. It does not, in most cases, fall under comprehensive coverage.

In some situations, you may be able to file a claim against your city for the damage from a pothole. If you can prove the city knew about the pothole, had time to fix it, and did not do so, you may be able to file a claim there. Many cities have rules and laws that limit this type of legal action, though.

Get the Auto Insurance You Need in Place

To protect yourself, contact JC Demo Insurance Group to request a quote for collision or other coverage. We serve residents in Matthews, NC and the surrounding communities. We’ll help you customize a plan to meet your needs.

 

Don’t Make Costly Home Improvement Mistakes

Posted on by AgentInsure

The purpose of homeowners insurance is to provide financial security in the event of a loss. When disaster or a theft occur, it gives you peace of mind knowing that you have coverage. But in these uncertain economic times, people try to save a few dollars by making their own home improvements. Unfortunately, sometimes saving a few bucks can be a costly mistake and threaten your coverage. At JC Demo Insurance Group, our professionals are committed to helping members of the Matthews, NC community remain properly insured. Please consider these common things that might put you at risk of having a claim denied.

Wood Stoves

Wood burning stoves are and excellent and efficient way to save on energy costs. A few logs and you can heat a home and even prepare a few meals without turning on the oven. While you may have the available space to install one, they need to be done properly. Specific fire code regulations must be followed. To ensure that your insurance policy will cover any loss due to fire, a wood stove must be inspected and approved. You’ll then need to update your homeowners policy to include it.

Activating A Fireplaces

It’s not uncommon for people to buy a home with an inactive fireplace. Just having one in place opens the possibility of warm cozy nights by the fire. But when you purchase a home with a fireplace that doesn’t work, your insurance won’t reflect the risk of open flame. Like wood stoves, it will need to be inspected before used and the homeowners policy updated. Failing to do so could leave you vulnerable to a claim denial. Insurance companies assess the risk of any property when calculating a premium. Incorporating open flame into a home constitutes a change.

It’s imperative to update your policy any time you make a significant home upgrade. At JC Demo Insurance Group, we are available to help members of the Matthews, NC community revise and renew homeowners policies that provide continuous security.