Tree - Wind - Lightning - Hail Damage | Statewide Insurance Agency

Compare Home Insurance Quotes in Oklahoma City

Von Nix — Mon, 11 Mar 2019 09:32:03 +0000

Travelers, Safeco and Progressive Insurance are 3 of our favorite homeowners insurance and automobile insurance providers to quote and sell in Oklahoma because…..

1. they offer excellent coverages

2. their claim service is what you expect it to be and

3. they offer rate stability….they don’t price gouge you on your renewal.

You can always get a quote easily on our website. Click here to get one now.

Most Independent Insurance Agents represent 10 or more companies homeowner insurance companies in Oklahoma and they are usually willing to quote any of them. That is where Statewide Insurance Agency is different….we only quote products of companies with proven track records of price, coverage and service stability.

Furthermore, you do not have to ask us to review your home insurance policy when it renews…..we do it automatically as one of the agencies most important processes.

Please consider Statewide Insurance Agency the next time you need a quote on your home or car insurance in Oklahoma.

The post Compare Home Insurance Quotes in Oklahoma City first appeared on Statewide Insurance Agency.

Goodbye Summer…Hello Fall!

Von Nix — Sat, 22 Sep 2018 18:57:55 +0000

Summer is officially over. A quick reminder to keep your home gutters clear from debris during the Fall!

The post Goodbye Summer…Hello Fall! first appeared on Statewide Insurance Agency.

Trees and Insurance

Insurance Information Institute — Mon, 20 Aug 2018 18:56:05 +0000

If a tree falls and hits your house, are you covered?The short answer is usually, “yes”

The coverage is quite straightforward: if a tree hits a home or other insured structure, such as a detached garage, standard homeowners insurance policies provide coverage for the damage the tree does to the structure and the contents in it. This includes trees felled by wind, lightning or hail.

It does not matter whether or not you own the tree; if it lands on your home, you can file a claim with your insurance company.

After a hurricane or windstorm, trees, shrubs and branches can become projectiles capable of traveling significant distances and can cause considerable damage to property. In most cases, an insurance company is not going to spend time trying to figure out where a tree or other item originally came from.

In some situations where the felled tree was located on a neighbor’s property, the policyholder’s insurance company may try to collect from the neighbor’s insurance company in a process called subrogation. This sometimes occurs if the tree was in poor health or not properly maintained. If the insurer is successful, you may be reimbursed for the deductible.

If a tree hits an insured structure, such as your house or garage, there is also coverage for the cost of removing the tree, generally up to about $500 to $1,000, depending on the insurer and the type of policy purchased.
If the fallen tree did not hit an insured structure, there is generally no coverage for debris removal.
However, some insurance companies may pay for the cost of removing the felled tree if it is blocking a driveway or a ramp designed to assist the handicapped.

Standard home insurance policies also provide coverage for damage to trees and shrubs due to fire, lightning, explosion, theft, aircraft, vehicles not owned by the resident, vandalism and malicious mischief. Coverage for these disasters is generally limited to up to 5 percent of the amount of insurance on the structure of the house. Generally, most insurers will limit the coverage to about $500 for any one tree, shrub or plant. Trees and plants grown for business purposes require a separate business insurance policy.

ALL SOURCES OF INFORMATION:

Insurance Information Institute: http://www.iii.org/article/trees-and-insurance

The post Trees and Insurance first appeared on Statewide Insurance Agency.

5 Tips to Help Prevent Tree Troubles in Oklahoma

Von Nix — Tue, 05 Jun 2018 14:07:05 +0000

Trees are pretty amazing things. They produce oxygen. They serve as natural air conditioners, both by blocking sunlight and through evaporation. And they even absorb sounds, helping to keep things peaceful.

These benefits, along with countless others, are great reasons to keep the trees on your Oklahoma property in good shape. Especially before the freezing temperatures start sweeping across Oklahoma. Unhealthy trees can actually pose great danger to your home and property, as well as to your family and other people, not to mention…a possibility of having to use your Oklahoma home insurance.

With these 5 tips from the National Arbor Day Foundation, you can help prevent tree trouble – and potentially save yourself from having to file a claim on your Oklahoma homeowner’s insurance.

Inspect trees frequently. The size, color and condition of leaves, and overall leaf cover, are good indicators of a tree’s health. Cavities or disfiguration can be a warning sign, although they don’t always mean a tree is a hazard. Just keep a close eye on it. Dead branches are a big risk, because they can fall easily. Those that cross or rub can create weak spots.
Plant in an appropriate space. Putting in a tree that will grow to be large? Don’t put it near power or sewer lines, or close to your home. And avoid brittle trees – their limbs are weak and more likely to break and fall. Examples include Silver Maples and Willows.
Prune correctly. Cut outside the branch collar, and prune regularly as trees age. Don’t allow a tree to be topped. Make sure to take proper care of trees that have grown over your home before resulting in filing a claim on your Oklahoma homeowner’s insurance.
Leave it to an expert. Once a year, have a qualified arborist thoroughly evaluate the trees on your Oklahoma property. An arborist can identify ones that need to come down immediately, as well as those to watch. In particular, trees that have been topped, or that have lost large limbs unexpectedly, could cause trouble. Taking down trees can be very dangerous, so leave it to a professional.
Remember, you’re responsible. Property owners are generally responsible when their hazardous trees cause damage or injury to others. So keep your trees healthy, your space beautiful and your liability low!

When a tree does fall, you may or may not have coverage through your Oklahoma homeowners policy for any damage it may cause. If you’d like to discuss your coverage, please give us a call today. It may be a good time to think about adding extra liability coverage to your insurance portfolio with an umbrella policy. We are here to help! (405) 285-2929

The post 5 Tips to Help Prevent Tree Troubles in Oklahoma first appeared on Statewide Insurance Agency.

Emergency Preparedness Kit

Von Nix — Wed, 05 Oct 2016 18:05:17 +0000

What You Need in an Emergency Kit

You never know when a natural disaster is going to hit the OKC Metro — or even just a big storm that knocks out the power for a few days.

That’s why having an emergency kit for you and your family is so important. It’s not hard to put one together, yet there are still many households that would be completely unprepared if they had to evacuate their home for a few days. Or, for that matter, remain in their home without access to running water or electricity.

Below is a list of basic items for your emergency kit, as recommended by the Federal Emergency Management Agency. Of course, you can add or remove items as needed to meet the specific needs of you and your family.

One gallon of water per person per day for at least three days.
A three-day supply of nonperishable food for people and pets. (Note: Red Cross recommends keeping a two-week supply of food and water on hand at home.)
A battery-powered or hand-crank radio, flashlights and extra batteries.
A first-aid kit.
Prescription medications and glasses.
Dust masks to filter contaminated air, along with plastic sheeting and duct tape to create a makeshift shelter if necessary.
A whistle to signal for help.
Moist towelettes, garbage bags and plastic ties for personal sanitation.
A tool to turn off utilities.
A can opener.
Local maps.

Additional items that are likely to be useful:

Important documents, such as copies of insurance policies, identification and birth certificates, bank account records, etc. Be sure to keep these in a watertight container.
Extra cash or traveler’s checks.
Warm blankets or sleeping bags for each person in your family.
Matches.
Paper plates, plastic cups and utensils and paper towels.
Paper and pencils.
Books and activities to keep kids busy.
Emergency reference material, such as a first-aid book.
A complete change of clothing for everyone in the family, including a long-sleeved shirt, long pants and sturdy shoes. If you live in a cold climate, you might pack additional clothing and bedding.

Keep in mind, when you need your emergency kit, you really need it. It’s a small investment of time and effort that can have a huge benefit in case of a disaster. And you don’t have to spend your whole day putting it together — spread out the work over a few days and you’ll be prepared in no time. #EmergencyPrepardness

Here are some links that Statewide Insurance Agency found useful:

Federal Emergency Management Agency
https://www.ready.gov/kit
https://www.fema.gov/media-library-data/

American National Red Cross
http://www.redcross.org/get-help/prepare-for-emergencies/be-red-cross-ready/get-a-kit
https://www.redcrossstore.org/category/id/1
http://www.redcross.org/participantmaterials

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We are on Instagram! @okstatewide405

Von Nix — Fri, 23 Sep 2016 14:13:21 +0000

The post We are on Instagram! @okstatewide405 first appeared on Statewide Insurance Agency.