Author: WIN Admin

Motel Insurance Louisiana

Posted on by WIN Admin

Motel Insurance Louisiana — New Program May Reduce Your Rate by 40%!

Motel Insurance LouisianaA new program for Motel Insurance in Louisiana has just been released and you may qualify for substantially lower rates.

If you want to reduce your commercial insurance expenses we may have just the program for your company when you need better rates on Motel Insurance in Louisiana.

Call to speak with the agents of Jeff Davis Insurance by calling 337-824-4455 until 4:30 PM Central Standard Time or use our convenient online submission form to send us your request 24 hours per day per your individual location:

Motel Insurance Louisiana — Why It’s Important to Check Your Coverage.

Saving money is a great idea on Louisiana Motel Insurance, but if you save money by reducing your coverage that may not be such a good idea.

Why?

Because you may lose valuable insurance protection that may only be discovered after a claim occurs.

Unfortunately insurance companies do not allow you to add coverage after the claim has already occurred so what you have on your policy right now will be the exact coverage available after a claim occurs.

Let’s review a fictitious claims scenario to learn how this affected one motel owner.

Motel Insurance Louisiana — Claims Scenario Number One

Emeric Babin owns BestBuy Motels which is a chain of 30 non-franchised business hotels throughout the state.
As a successful business owner Emeric has always been very concerned about keeping expenses in line so from time to time he has his operations manager Nick Spencer contact insurance companies seeking bids on their commercial insurance for their chain of hotels.

Nick speaks to Johnny Blanchard of the Johnny-Come Lately Agency in Baton Rouge who is very interested in giving a bid on BestBuy Motels.

Nick forwards a copy of his declaration pages to Johnny and he promises to work on this as soon as possible, making it his top priority.

Nick mentions to Johnny that he should carefully match all the coverage limits on their existing policy, and Johnny promises that he would do just that.

Johnny begins to work his way through the process and within three days he has completed all the paperwork and it is ready to be sent to the insurance companies selling motel insurance for them to provide quotes.

Johnny is very excited to be given an opportunity to bid on such a large account, since Johnny is in his second year of business, this would make his entire year if he was able to sell this account.

Johnny has never quoted a Louisiana Motel Insurance policy in his life, despite his assurances to Nick he was up to the task.

Johnny’s a very good salesperson and was the number 1 used car salesman for 5 years running prior to getting into the insurance business and he was able to convince Nick that he could indeed provide favorable quotes on Louisiana Motel Insurance.

Johnny diligently follows up with Nick to advise him of any updates and to ask additional underwriting questions that companies are requesting.

Seven days later Johnny receives the last quote, he reviews them all based on the premium charges and he emails the company with the lowest price to Nick for him to review.

Johnny has no idea what BestBuy Motels is paying right now on their insurance but he’s hoping the rate comes in low enough to earn the sale.

In our next article we will learn how Johnny makes the sale of his lifetime, but trouble soon comes to both Johnny and BestBuy Motels when their largest hotel catches on fire causing significant damage to the building and one important coverage provision was not added to their policy.

Louisiana Motel Insurance —Call Jeff Davis Today.

To receive a free evaluation when you’re looking for Hotel Insurance in Louisiana call the agents of Jeff Davis Insurance by dialing 337-824-4455 until 4:30 PM through the week. (CST)

You can additionally send us your request for quotes and information 24 hours per day by clicking any of the links below:

 

Dump Truck Insurance New Orleans

Posted on by WIN Admin

Dump Truck Insurance New Orleans – Same Day Coverage!

Dump Truck Insurance New OrleansWhen you need quotes and coverage the same day for Dump Truck Insurance in New Orleans or the surrounding areas, contact Jeff Davis Insurance at 337-824-4455.

If you find our website after hours, click on New Orleans Dump Truck Insurance Quotes to send us your request for quotes and one of our licensed agents will get back with you the next business day. 

Jeff Davis Insurance is the Leader – Louisiana Dump Truck Insurance!

As a leading independent insurance agency in Louisiana, Jeff Davis Insurance is able to shop the market to find you better prices and coverage than you would typically find through a captive agency. 

A captive agent is one who can only sell insurance through one insurer. Companies that you see advertising on TV are usually captive agents. 

Not only can we help you find excellent rates, but we also will provide a higher level of service compared to any company selling Louisiana Dump Truck Insurance!  

We like to use illustrations and examples to help policyholders and those not yet insured with us to better understand their insurance. 

Let’s now consider part three of our claims scenario involving Chuck, the owner of Lucky Chuck’s Haul and Dump.

Dump Truck Insurance New Orleans – Claims Scenario Part Three.

Chuck is having a bad day. First, he’s worn out from a long day at work; second, a customer stiffs him out of $6,000 he’s owed; third, a job he was counting on cancels at the last second; and finally, a man driving a red sports car cuts him off forcing him to slam on his brakes. His restraining seat belt doesn’t catch him and he smashes his chest into the steering wheel. 

Chuck, suffering from a little bit of road rage, catches up with the driver and passes him, stops his truck in the middle-of-the-road in front of the red sports car and threatens to dump mud all over that expensive car.

The owner of the sports car is boxed in and can’t back up or pass the dump truck because of oncoming traffic and he quickly gets out of his car because he doesn’t want to have debris fall on top of him as the dump bed reaches the apex. 

Let’s now pick up where we left off: 

Chuck’s initial intention was to threaten the guy. He may be a hothead but he really wasn’t going to drop his load on the sports car. As the dump bed rises higher, Chuck decides he’s had enough fun and he reverses his dump bed… but it doesn’t stop!

He clicks the lever on his dump controls and nothing happens. He does it again and the dump bed continues to rise. He does it again, only to realize that his lever has malfunctioned. 

Nothing can stop the bed from reaching the top and dropping its load on top of the red sports car and all over the road. 

At the same time he suddenly remembers he wasn’t carrying dirt after all but large chunks of concrete from the demolition of a building downtown. 

SMASH! 

Chucks entire load crushes the red sports car under tons of concrete. Chuck and the driver of the red sports car are fighting as the police show up. Both are arrested. Fortunately someone filmed the entire event and posted it online where it quickly went viral with 5 million views the 1st day alone. Now Chuck and the owner of the red sports car are famous – or should we say infamous.

What happens next? Chuck was fully covered by his Louisiana Dump Truck Insurance Policy, will he have any problems with this claim? 

Tune in next week to find out.

Dump Truck Insurance New Orleans – Same Day Coverage. Call Today! 

If you’re looking for a great deal on Dump Truck Insurance in New Orleans or the surrounding areas right now — Jeff Davis Insurance is the company you should call! 

We insure both single and dump truck fleets. 

Our office number is 337-824-4455; why not call us right now? 

If your business is not located in New Orleans have no fear, we insure dump trucks throughout the state of Louisiana including the local below areas: 

  • Dump Truck Insurance Kenner Louisiana
  • Gretna Louisiana Dump Truck Insurance
  • Dump Truck Insurance Metairie Louisiana
  • Slidell Louisiana Dump Truck Insurance
  • Covington Louisiana Dump Truck Insurance

Metairie Terrace Tow Truck Insurance

Posted on by WIN Admin

Metairie Terrace Tow Truck Insurance – Call Today!

Metairie Terrace Tow Truck InsuranceIf you’re searching for better rates on Tow Truck Insurance in Metairie Terrace Louisiana and the surrounding areas then you’ve found the right place.

We are Jeff Davis Insurance, a leading insurance agency in Louisiana. As an independent agency we have the tools necessary to help our customers find appropriate and affordable coverage on Tow Truck Insurance in Louisiana.

Give us a call today at 337-824-4455 to speak with one of our licensed insurance agents.

Metairie Terrace Tow Truck Insurance – Exclusions of Coverage. 

This week we will continue the theme of exclusions of coverage. Just in case you’ve forgotten what exclusions of coverage are, we define them as specific situations pointed out in the language of an insurance policy for which coverage would not be allowed or paid for by the insurance company.

The most important advice we give at Jeff Davis Insurance is to carefully read your policy from cover to cover! 

You really need to know what is and, more importantly, is not covered on your Louisiana Tow Truck Insurance policy so that you won’t be blindsided by a claim denial down the road.

Bearing that in mind, let’s conclude our claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage.

Tow Truck Insurance Metairie Terrace – Coverage Scenario. 

When we left off, the lawyer representing Marty’s Repair and Tow contacted Biff to persuade him to drop the case, or else they will petition the judge for a declaratory judgment.

When Biff does not back down, the lawyer suggests that he may be eligible for workers compensation under Marty’s Repair and Tow’s policy.

Biff continues to hold out for a bigger payout, however, so the lawyer tells Biff he’ll email him a copy of Marty’s Tow Policy and highlight what it says in regards to Biff’s situation.

The next morning Biff opens an email in his inbox from the lawyer. Attached is a copy of Marty’s policy with a particular section highlighted:

Employee Indemnification and Employer’s Liability Bodily injury to:

a . An employee of any insured arising out of or within the course of: (i) That employee’s employment by any insured; or (ii) Performing duties related to the conduct of any insured’s business; or

b . The spouse, child, parent, brother or sister of that employee as a consequence of Paragraph a. above.

Put more succinctly, coverage is excluded for bodily injury to the spouse of the employee as a consequence of the employee’s employment.

Because Biff’s wife was injured as a direct result of Biff’s duties while on the job, she would not be covered.

So while Biff might be eligible for workers compensation under his employer’s policy, his wife certainly is not.

Out of anger, Biff doubles down. He rants belligerently about how he’ll have his day in court. Just as the lawyer promised, within weeks the judge issues a declaratory judgment that effectively quashes Biff’s lawsuit and labels it groundless. Biff is hit with a countersuit for attorney’s fees and costs and gets a bill for $16,872.

Naturally, Biff is fired from his towing job and it looks like he will be headed to bankruptcy court.

Metairie Terrace Tow Truck Insurance – Call Us Today!  

If Biff had understood the language of his employer’s policy as it relates to him as an employee he might have thought twice about filing a lawsuit.

Commercial truck insurance is complicated and it’s important to buy your coverage from Jeff Davis Insurance.

Our number is 337-824-4455, and we’re available Monday through Friday 8:30 AM to 4:30 PM (CST).

We can shop the market for you to find better coverage options on Tow Truck Insurance in Metairie Terrace Louisiana.  

We also offer Louisiana Tow Truck Insurance in the following areas: 

  • Tow Truck Insurance Zachary Louisiana
  • Tow Truck Insurance Monticello Louisiana
  • Brownfields Louisiana Tow Truck Insurance
  • Baker Louisiana Tow Truck Insurance

Tow Truck Insurance Shreveport Louisiana

Posted on by WIN Admin

Tow Truck Insurance Shreveport Louisiana. 

Tow Truck Insurance Shreveport LouisianaIf you’re looking for Tow Truck Insurance in Shreveport Louisiana and the nearby areas then look no further than Jeff Davis Insurance. 

As a leading independent agency in Louisiana, Jeff Davis Insurance has the experience and knowledge to help business owners like you find the coverage and rates they need on Tow Truck Insurance in Louisiana. 

Call us today at 337-824-4455 to speak with one of our licensed professionals. We are here to answer any and all questions related to your insurance needs. 

Tow Truck Insurance Shreveport Louisiana – Exclusions of Coverage. 

In this week’s article we’re continuing the exclusions of coverage theme. To recap, exclusions of coverage are specific situations pointed out in the language of an insurance policy for which coverage would not be granted by the insurance company. 

As we’ve said before, the best advice we can give at Jeff Davis Insurance when it comes to exclusions of coverage is to read your policy very carefully! It is the most reliable way to fully understand what is and is not covered on your Louisiana Tow Truck Insurance policy. 

The following is a claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage. Let’s see how it concludes:

Shreveport Louisiana Tow Truck Insurance – Coverage Scenario. 

You may recall that Biff McSlickerson drives a tow truck for a towing company, and he’s known around town for having won a hefty sum of money from a lawsuit a few years back.

When last we left Biff, he and his wife had just been injured while Biff was on the job. He was too busy arguing with his wife, whom he was giving a ride to the casino, to notice that he had improperly attached the hook of his tow truck to a customer’s car. The car came loose and rolled on top of the couple.

With his arm broken and his wife in the emergency room, Biff sees another opportunity to make some easy money.

Biff thinks he can file a lawsuit against his employer, Marty and obtain a large 6 figure settlement. Biff realizes he’ll quickly get fired by Marty but believes the big settlement will be worth it, plus he will be able to collect unemployment after getting the axe.

Biff writes up the lawsuit using big legal terms such as loss of consortium and untold pain and suffering to make his case.  Biff knows that his boss has $5 million of coverage and plenty of money in the bank and expects a quick and large settlement from Marty’s insurance company.

Biff prepares his lawsuit papers, and files them at the court house after paying his fee.

Is Biff getting ready to make his second big pay day?

We will learn the answer in next week’s post to see what happens.

Tow Truck Insurance Shreveport Louisiana – Call Us Today!  

It’s super important to understand how your coverage works when you purchase Tow Truck Insurance in Shreveport Louisiana and the nearby areas.

If you have questions about insurance exclusions call the agents at Jeff Davis Insurance today for answers about Tow Truck Insurance. 

Call 337-824-4455 Monday through Friday 8:30 AM to 4:30 PM (CST). We will shop the market for you to find the best coverage options being offered by our insurance partners on Tow Truck Insurance in Shreveport Louisiana.  

We also offer Louisiana Tow Truck Insurance in the following areas:

  • Zachary Louisiana Tow Truck Insurance
  • Monticello Tow Truck Insurance
  • Brownfields Louisiana Tow Truck Insurance
  • Tow Truck Insurance Baker Louisiana

Tow Truck Insurance Baton Rouge La

Posted on by WIN Admin

Tow Truck Insurance Baton Rouge La 


Tow Truck Insurance Baton Rouge LaShopping for Tow Truck Insurance in Baton Rouge Louisiana and the surrounding areas can be a challenge unless you call the specialists at Jeff Davis Insurance.

As a leading Independent Insurance Agency we can help you find some of the best options for Tow Truck Insurance in Louisiana.

Call us today by dialing 337-824-4455.

We offer competitive insurance solutions for a variety of different towing operations, no matter if it’s incidental to your garage or dealership, or you specialize in any form of towing including repo work.

It Is Super Important to Disclose All Facts about Your Business Operation.

In last week’s discussion we considered how Lowball Trucking Insurance Company issued a claim denial to Atlas Trucking because of a material misrepresentation on the insurance application submitted to the insurance company.

An agent working for Lowball Trucking Insurance Company did not document the correct radius of operation on the application, and the Atlas Trucking Company did not notice the incorrect information listed on their application leading to a claim denial.

Within the insuring agreement of any commercial auto policy is a detailed list of terms and conditions and exclusions of coverage.

One of the conditions within the typical commercial auto policy purchased by towing operations, garages, and car dealerships is the ability for the insurance company to void a policy when incorrect information is provided to the insurance company.

Today we’re going to discuss the rationale on why some insurance companies place radius of operation restrictions on their policy, and we will discuss the importance of making sure all details are accurate. 

Why Do Insurance Companies Place Restrictions on Radius of Operation?

Not all insurance companies have the same underwriting standards based on their particular risk appetite. Some insurers are okay with insuring companies that need an unlimited radius of operation; other companies restrict the radius of operation to only 200 miles; still other companies, 350 miles; some 500 miles.

Why do companies place such limitations within their underwriting guidelines?

It’s normally based on past experience.  A company restricting their insured customers to 200 miles or less perhaps has had unfavorable loss experiences with trucking operations including towing service operations traveling further than 200 miles.

In some instances companies will make minor exceptions to their underwriting rules. However, if a particular insurance company limits the radius of operation to 200 miles or less and a tow company travels further than the maximum allowed, the insurance company will decline to insure that company.

What happens if a company travels further than the maximum allowed and incorrect information is listed on the application? 

This will likely result in a claim denial or the policy will be voided as if it never existed.

It’s vitally important to ensure all information on the company application is 100% accurate. 

Call Jeff Davis Insurance When You Need Tow Truck Insurance in Baton Rouge La.

Our tow truck specialists can shop the market to help you find the coverage you need based on your individual circumstances.

Call 337-824-4455 Monday through Friday 8:30 AM to 4:30 PM (CST).

Please look below to learn about other nearby areas we serve commercial truck insurance: 

  • Tow Truck Insurance Walker Louisiana
  • Tow Truck Insurance South Baton Rouge
  • Tow Truck Insurance Scotlandville Louisiana
  • Tow Truck Insurance Zachary Louisiana

Tow Truck Insurance Quotes New Orleans

Posted on by WIN Admin

Fast Quotes and Coverage for Tow Truck Insurance in Louisiana from a Name You Can Trust!

As a business owner time is a precious commodity you likely have little of.

For this reason when you’re shopping for Tow Truck Insurance in New Orleans and the surrounding areas we can help you find the coverage you need quickly, efficiently, and for less money than our competitors.

Tow Truck Insurance Quotes New OrleansCall 337-824-4455 to speak with our friendly courteous agents Monday through Friday 8:30 AM to 4:30 PM (CST).

Last week we discussed the initial preliminary steps to take if you are involved in an accident.

In this week’s article will continue that conversation to explain the importance of information/duties insurance companies need to investigate claims.

Tow Truck Insurance New Orleans – Steps You Must Take For Claims To Be Paid!

Please notice what duties policyholders companies require when a claim needs to be filed:

A person seeking coverage must:

  1. Cooperate with us in any matter concerning a claim or lawsuit;
    2. Provide any written proof of loss we may reasonably require;
    3. Allow us to take signed and recorded statements, including sworn statements and
    examinations under oath, which we may conduct outside the presence of you, a
    relative, or any person claiming coverage, and answer all reasonable questions
    we may ask as often as we may reasonably require;
    4. Promptly call us to notify us about any claim or lawsuit and send us any and all
    legal papers relating to any claim or lawsuit;
    5. Attend hearings and trials as we require;
    6. Submit to medical examinations at our expense by doctors we select as often as
    we may reasonably require;
    7. Authorize us to obtain medical and other records;
    8. Take reasonable steps after a loss to protect the insured auto from further loss.
    We will pay reasonable expenses incurred in providing that protection. If failure to
    provide such protection results in further loss, any additional damages will not be
    covered under this policy;
    9. Allow us to have the damage to an insured auto or other auto involved in an
    accident or loss inspected and appraised before its repair or disposal; and
    10. Authorize us access to your business or personal records as often as we may
    reasonably require.

Insurance companies do not accept blind liability for accidents, including lawsuits, until they have had reasonable time to investigate the accident or claim.

The insurance company requires the cooperation of its policyholder’s as there may be details that can’t be obtained without the policyholder’s assistance.

We will discuss this a little bit further in a future article.

Tow Truck Insurance New Orleans – We Offer a Claims Advocacy Program.

Because of the complexity of insurance it’s good to know that if you choose Jeff Davis Insurance to care for your tow truck insurance needs we will stand up for your rights as a policyholder. 

Why not call us today as you are searching for Tow Truck Insurance in New Orleans or the surrounding areas?

Our direct telephone number is 337-824-4455 and our licensed agents are available by phone Monday through Friday 8:30 AM to 4:30 PM (CST).

Why not call today?

We also offer tow truck insurance in other nearby locations:

  • Tow Truck Insurance Kenner Louisiana
  • Tow Truck Insurance Gretna Louisiana
  • Belle Chasse Tow Truck Insurance
  • Terrytown Louisiana Tow Truck Insurance
  • Chalmette Louisiana Tow Truck Insurance

 

 

Home Insurance Lake Arthur Louisiana

Posted on by WIN Admin

Great Pricing, Coverage, and Service on Home Insurance in Lake Arthur.

When you need better options for home insurance in Lake Arthur Louisiana the Jeff Davis Insurance Agency is one call or click away!

Call 337-824-4455 to speak with one of our courteous licensed agents during normal business hours or click on one of the links below for online quotes 24 hours per day:

Common Questions When Shopping for Lake Arthur Home Insurance: 

A common question we receive in our agency on a regular basis is why do I need to insure my home for replacement cost versus what I paid for it? (Market value)

It is a valid question. What if you get a really good deal on the house you buy or the housing market tanks?

The difference between the market value and replacement cost might be a significant amount.

Let’s consider a claims scenario to see how great the difference could prove to be. 

What is the Difference between Replacement Cost & Market Value?

Nelly know it all is buying a new Home on Elm Street she purchased at auction, the previous owner had lost the home due to a health related foreclosure.

Nelly is quite proud of herself because she purchased this home at around $70,000 lower than current market value and it’s ready to move in.

It’s a beautiful home and has every option she’s always wanted, Nelly simply can’t believe her good luck.

The loan officer explains that prior to closing Nelly needs to purchase home insurance so she speaks with several agents who want to insure Nelly’s new home for around $245,000.

Nelly has never been a big believer in insurance and thinks it is ridiculous to insure her home for $245,000 when she only paid $90,000!

The current market value is about $160,000 and to insure it for nearly $85,000 more than what the home is worth is irresponsible in Nelly’s opinion so she keeps on shopping around for an agent who is willing to insure the home for the market value of $160,000.

Six months after Nelly moved into her home and while she is at work her home catches on fire due to a short in her wiring.

The fire department arrives but the home is a total loss.

Nelly is devastated and she immediately contacts her insurance company to file a claim.

In our next article we will learn if it was a wise idea to insure her home at the market value versus replacement cost. Don’t miss this issue.

Great Rates on Home Insurance Lake Arthur Louisiana – One Call or Click Away! 

Jeff Davis Insurance is a leading independent agency in Lake Arthur and we can help you shop the market to find great deals on insurance no matter what kind you need.

Call us today at 337-824-4455 or click any of the links below for online quotes 24 hours per day.

Home Insurance Welsh Louisiana – A Simple Call or Click Away!

Posted on by WIN Admin

House WelshShopping for insurance might be as exciting as watching paint dry on the walls… and for that reason the specialist the Jeff Davis Insurance make it simple and easy to shop for car or homeowners insurance in Welsh Louisiana and the surrounding areas.

You can speak with one of our licensed specialist by dialing 337-824-4455 or you can click either of the links below and receive online rate quotes in five minutes or less:

Jeff Davis Insurance has offered great rates and even better service for more than 50 years in Louisiana! 

Home Insurance Welsh Louisiana – Why Ruined Carpeting Was Covered With This Claim.

In our last article we discussed how The Special Home Insurance Coverage Form covered a claim whereas 2 young Picassos named Hannah and Olivia, both seven and twins, ruined their parent’s super expensive carpeting to the tune of nearly $5000 by spilling grape juice all over it.

Fortunately their Special Home Insurance Coverage Form covered the claim in full minus their deductible.

We also discussed how there are six different parts to the homeowner’s insurance policy:

Coverage A – Protects the structure of the home and any items that are permanently attached including wall to wall carpeting. So the carpeting that Hannah and Olivia ruined in their parent’s home would’ve been covered under Coverage A.

Under The Special Home Insurance Coverage Form all claim events are covered except for what is excluded in the policy under Coverage A.

Grape juice intentionally spilled by seven-year-old twin girls is not excluded therefore it was covered by mom and aunts policy!

As was mentioned in our last article this claim would not have been covered if it was the parents who intentionally spilled the grape juice as intentional damage caused to your home would not be covered by any policy.

So that leads us to discussing the final home insurance policy that may be available for purchase in your area. The HO5 home insurance policy. 

What Is the Difference between the Special Home Insurance Policy and the HO5?

The main difference between the Special Home Insurance Coverage Form and the HO5 is how claims are handled under Coverage C Personal Property.

Coverage C Personal Property includes all of your personal items. Your furniture, appliances that are not permanently attached to the home, clothing, electronics, etc. (All of your stuff with some limitations that we will consider in a future article)

For a claim to be covered under the Special Home Insurance Coverage Form Coverage C Personal Property, the claim event must be named in the policy.

You might recall from previous articles we discussed the Basic and Broad Home Coverage Form.

For something to be covered (speaking about Coverage A) it needed to be listed as a covered peril or claim event.

Well that’s exactly how the Special Home Form, sometimes referred to as an HO3 also works except for personal property. (Seems confusing doesn’t it?)

So here’s a question we will answer in our next post:

If Hannah and Olivia had splashed grape juice over an area carpet or rug and ruined it, would the parent’s home insurance policy covered that claim as they would have for wall-to-wall carpeting?

The answer may surprise you.  Don’t miss next week’s issue. 

Home Insurance Welsh Louisiana – Need Better Options?

If you need better options for homeowners insurance in Welsh Louisiana or the surrounding areas we can certainly help.

We have saved some policyholders more than $1000 per year for the same coverage!

Call us today at 337-824-4455 or click any of the links below and receive online rate quotes in five minutes or less 24 hours per day:

Home Insurance Crowley

Posted on by WIN Admin

Online Rates Quotes For Home Insurance Crowley Available 24 Hours.

Home Insurance CrowleyIf you need car or home insurance in Crowley Louisiana or the surrounding areas look no further than the Jeff Davis Insurance!

Our knowledgeable agents can help you find the right policy for a competitive price.

Call and speak to one of our agents at 337-824-4455 or click on Crowley Homeowners Insurance to begin your online quote today. 

Crowley Louisiana Homeowners Insurance – Falling Tree Limbs Covered?

In a previous article we discovered that Terrance had a large branch from his White Oak Tree smash through his roof causing significant damage.

Terrance was covered by a Broad Louisiana Homeowners Insurance Policy.

Will his insurance policy pay for the damage caused by the tree branch?

Fortunately the answer is yes!

A tree branch falling from a tree will be covered under the falling objects peril under his house insurance policy.

In addition, replacement cost coverage was available under the policy Terrance purchased and he will not have depreciation taken into consideration in his claim settlement as was true of Marcy’s loss settlement from a house fire under the Basic Home Policy Coverage Form she had bought to try to save money on her insurance.

(Please note that not all Broad Home Insurance Policies may include replacement cost coverage)

If you are not sure what type of policy you have purchased please call 337-824-4455 and we will review your coverage at no cost.

Next we will consider the Special Policy Form.

Crowley Louisiana Homeowners Insurance – What Is the Special Policy Form?

So far we have discussed the Basic and Broad Home Insurance Policy Coverage Forms. The Special Home Insurance Policy Coverage Form is superior compared to the Basic and Broad Homeowners Coverage Form as it does not list the perils covering the house itself.

Why is the Special Home Insurance Policy Coverage Form superior?

For a claim to be covered under the Basic and Broad Home Coverage Form it must be listed as one of the covered perils.

If a claim happens and it’s not listed as one of the named perils, coverage would be denied or excluded.

The Special Home Insurance Policy Coverage Form covers all claim events except for what is excluded.

So if a claim occurs and it is not excluded, under the Special Home Insurance Policy Coverage Form it would be covered, which is different from the Basic and Broad Home Insurance Coverage Form.

Therefore the Special Home Insurance Coverage Form is superior to the Basic and Broad Forms.

In our next article will consider a claim scenario to show the difference between the Special and Broad Policy Form. 

Crowley Louisiana Homeowners Insurance – Buy from the Specialists!

You can have confidence to trust Jeff Davis Insurance when you need car, home, or business insurance in Crowley Louisiana or the surrounding areas.

We have served the insurance needs of thousands of policyholders for over 50 years in the area.

It’s always important to review your home insurance protection. The worst time to learn something is not covered is after the claim has already occurred.

Call and speak to one of our agents at 337-824-4455 to request a homeowner’s insurance review or click on Crowley Homeowners Insurance to start an online rate quote today.

Allstate Insurance Jennings La

Posted on by WIN Admin

Allstate Insurance Jennings LaAllstate Insurance Jennings La

If you have typed this keyword: Allstate Insurance Jennings Louisiana you have most certainly found the right company!

Jeff Davis Insurance represents Allstate Insurance along with other top rated insurance companies in Jennings Louisiana.

Call 337-824-4455 to speak with one of our licensed agents or click on one of the links below when shopping for insurance in Jennings and all of the surrounding areas.

Never Assume Your Home Insurance Policy Covers Every Claims Event.

In the two previous articles we discussed whether or not flooding is covered by the typical Louisiana Home Insurance Policy. We discovered that an outside water source coming from a body of water – which can include rivers, lakes, streams, broken water hydrants, or storm surges driven by wind – are not covered.

However we also learned that water damage caused by an internal claims event could be covered. 

For instance Ted and Nancy Stevenson along with their three year-old daughter Tiffany Marie headed off for a two week vacation.

Only hours before they left Tiffany Marie took it upon herself to stuff 20 rolls of toilet paper down the commode, and as you can imagine quite a mess awaited the Stevensons when they returned – in the amount of nearly $40,000 in water damages.

Fortunately this claim was covered because of Tiffany Marie’s age.

However would every unintentional water claim be covered when it happens inside the home?

Let’s find out. 

Allstate Insurance Jennings La – Would This Be Covered?

In early January Louisiana experienced record low freezing temperatures. To escape the frigid weather Andre and Adelaide decide to pack up and head to Aruba for a week-long getaway in the sun. 

Andre experiences a bit of sticker shock upon seeing the price tag of the couples’ South American retreat and decides to save a few bucks by switching off the heat to their house, turning off his outdoor lights, and unplugging all unnecessary appliances for the duration of the vacation. “No sense heating an empty home,” he reasons.

After their refreshing Aruban escape, Andre and Adelaide return to find their Louisiana home is flooded with two feet of icy-cold water. It turns out that the arctic temperatures had frozen the pipes in the first floor of their home, causing one of them to burst.

“Not to worry,” Andre reassures his despondent wife; “that’s what we have insurance for.”

Andre files the claim with his insurance company.

What do you think? Will Andre’s insurance company cover this unintentional indoor flood just as they covered Tiffany Marie’s toilet paper roll stuffing venture?

We will learn the answer in our next article. 

Allstate Insurance Jennings La – Need Quotes Today?

When searching for Allstate Insurance in Jennings Louisiana call 337-824-4455 to speak with one our licensed representatives or use our convenient online rate quotes system available 24 hours a day by clicking one of the links below: