Insurance, Kentucky Insurance

Kentucky Insurance- Storm Recovery Sept 08 Dick Watts Insurance

Apparently Metro United Way in Louisville is offering clean up assistance to the elderly and disabled in the Louisville Area :

“The 2-1-1 help line sponsored by Metro United Way is offering storm cleanup assistance to the elderly, sick and disabled in the Louisville area.

Tomorrow and Friday, from 5 to 8 p.m., residents of Jefferson, Shelby, Oldham, and Bullitt counties in Kentucky and Clark, Floyd and Harrison counties in Indiana are encouraged to dial 2-1-1 to request help from volunteer “Wind Warriors” teams.

If you know someone who is physically unable to clean up storm debris and cannot get to a phone, you can call 2-1-1 to request help on their behalf. …..”2-1-1- Call can help with Storm Clean up

Call Dick Watts Insurance for a Kentucky Homeowners Insurance quote 502-245-3625

Dick Watts Insurance 12200 Shelbyville Rd 112, Louisville, KY 40243

Rental Property Insurance in Kentucky

Do you own investment property in Louisville, KY?  Protect your property with a Landlord Liability insurance policy today.   We can also insure your vacant home .

Insurance for Older Homes, Duplexes, Rental Homes, Investment Property

Dick Watts Insurance, 12200 Shelbyville Rd 112, Louisville, KY 40243

Call Dick Watts Insurance for a free quote 502-245-3625

for more information visit rental-property-insurance.com
Kentucky-Insurance.com 

“Anywhere it can rain, it can flood. If you live on a hill or in an area that has never been flooded, you may still be at some level of risk.

Flooding can be caused by heavy rains, melting snow, inadequate drainage systems, failed flood control structures such as levees and dams, as well as tropical storms and hurricanes. It is important to understand the flood risks you face before deciding whether to purchase flood insurance……” Floodsmart.gov

Need a Flood  Insurance Quote, call us today,

Once you complete a Flood Application there is normally a 30 day waiting period, ask your independent insurance agent for details.

Dick Watts Insurance 502-245-3625  Flood Insurance Quote

“As a result of the windstorm that hit the states of Kentucky and Ohio on September 14, 2008, Safeco’s National Catastrophe Team is mobilizing and moving in to survey damages and assess losses in order to expedite the claims process.

Here are a few simple steps you can take to help us deliver the best possible service: Please encourage your customers with storm damage to report their claims to Safeco’s toll-free claims hotline at (800) 332-3226. By phoning in the claim, Safeco can handle your customer’s claim much more quickly and efficiently than any other method. ….”

Safeco Insurance

Kentucky-Insurance.com

Dick Watts Insurance 12200 Shelbyville Rd 112, Louisville, KY 40243

502-245-3625

Call us for a Kentucky Insurance quote!

Here are some good tips on how to respond after the storm, once your claim has been reported:

“Most policies cover tree removal if the tree falls on a covered structure. If your neighbor’s tree falls on your property and damages a covered structure or vehicle, your insurance policy covers your loss.
- Read your policy carefully. Many policies do not offer coverage for food spoilage if the electrical outage took place off premises.
- When the adjuster arrives, ask for identification. Get the adjuster’s name, a local phone number and the company he/she represents. Ask questions and take detailed notes.
- Broken glass or other damage to your car is covered if you have comprehensive coverage. You are not covered if you only have liability insurance.
- When having repairs completed, deal only with reputable, licensed and insured local contractors you know or can check out. Don’t deal with “fly-by-night” remodelers who go door-to-door, especially those offering greatly reduced prices.
- Contact DOI at (800) 595-6053 and ask for a copy of “After the Storm Has Passed.” This publication includes valuable information, a complaint form and information on how to prepare for the next disaster. The publication is available online at http://doi.ppr.ky.gov/kentucky/Documents/pubs/AfterTheStorm060408.pdf ……”  Insurance Journal

Dick Watts Insurance 12200 Shelbyville Rd 112, Louisville, KY 40243

“National Preparedness Month is an important reminder about each American’s civic responsibility to prepare for emergencies,” said Homeland Security Secretary Michael Chertoff. “Those with the capacity and wherewithal to help themselves must do so in advance, so that in the event of an emergency, responders can first assist those who are unable to tend to themselves. From wildfires and earthquakes in California, to hurricanes and tropical storms along the Gulf Coast, to flooding in the Midwest, recent events remind us more than ever that we must prepare ourselves and our families for a disaster.  This is the time, each year, when every American should ask the question, ‘Am I ready?’”

The Ready Campaign and Citizen Corps (www.citizencorps.gov) are encouraging individuals across the nation to take important preparedness steps that will greatly improve their ability to survive and recover from all types of emergencies, whether natural or man-made.  These steps include getting an emergency supply kit, making a family emergency plan, becoming informed about the different emergencies that may affect them, and getting involved in community preparedness and response efforts. ….”

National Preparedness Month September 2008 

Dick Watts Insurance

12200 Shelbyville Rd 112

Louisville, Ky 40243

502-245-3625

DickWattsInsurance.com

Kentucky-Insurance.com 

According to a recent report in the Wall Street Journal, car insurance rates are increasing

“Car-insurance rates, after falling for several years, may be heading up again.

A study by Insurance.com, an online insurance agent, found that on average, its lowest quotes increased an average of 3.4% nationally during the second quarter of 2008, compared with the previous quarter. It was the second consecutive period that prices rose.

The average quote was $1,893 per year. The report is based on quotes given to consumers by 15 insurance companies in most states….” Car Insurance Rates climb from the WSJ

Home Equity Hits New Low

“The Federal Reserve on Thursday announced that, in 2007, American ownership in their homes as measured by equity fell below 50 percent for the first time since records were first kept in 1945.

During the 2nd quarter of 2007 the central bank reported that homeowners’ equity slipped to a downwardly revised 49.6 percent and slipped further to 47.9 percent in the fourth quarter. This was the third straight quarter that equity was under 50 percent.”… Home equity

Call Dick Watts Insurance 502-245-3625 for a free homeowners insurance quote

“According to the findings by TRC, an independent research company based in Fort Washington, Pa., 60 percent of those contacted believe small electronic items, if stolen from their home or auto, are covered by their policies or don’t know if they are.

More than half of the respondents—55 percent—wrongly believe their electronic equipment is covered if it is damaged or destroyed by a power surge.

Forty-two percent believe damage to their property from home installation or loading and/or unloading in transport is covered. Only one-third—35 percent—think their digital downloads, such as iTunes or podcasts, are covered, while 34 percent believe gift cards—regardless of value—are covered.” Electronics and your Homeowners Insurance Policy

“Northern Kentucky residents are being alerted that an Erlanger business owner is under investigation for selling bogus auto insurance policies, according to Kentucky’s Insurance Commissioner.

The Kentucky Office of Insurance said Michael Fleckinger of Amtrek Two Insurance Co. has marketed and sold auto insurance to at least 60 individuals during the past 18 months. The Office added that the company is not authorized to sell insurance in Kentucky and Fleckinger is not a licensed agent…..from Insurance Journal

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