What Kinds of Damage are not Covered by Flood Insurance?

Purchasing a Flood Insurance policy for your home is a wise move, but it is important to understand its limitations. A regular homeowner’s policy will not protect you against flooding, but a Flood Insurance policy has some limitations.

What is Covered

Everything that is truly considered essential to the home is covered.  This includes walls, carpets and window treatments. It also includes all your home systems including electrical, plumbing and central air. 

Fixtures such as cabinets are covered, but only the ones that are damaged. If only some are damaged, you may have to decide whether to purchase some out of your own pocket. 

Your detached garage is covered, but you can only use 10% of your total toward it. Clothing, furniture, and appliances are covered, as long as they are not stored in the basement. Some valuables, up to $2,500, will be covered.

What is Not Covered

If you have flood insurance, you will need to learn your eligibility requirements and exclusions. Those will be listed in the contract when you sign up for insurance at Jeff Hutchison Insurance Services in Proctorville, OH. A common exclusion is anything, including personal property or furniture, which is in a basement, walkout basement or crawl space. This includes bookcases, window treatments, carpets, and anything else that is there. There is an additional exclusion for any loss you incur because of earth movement.

Federal flood insurance also has a limit of $250,000 for the building and $100,000 for the contents, such as personal belongings within the home. That is a maximum limit, and you can purchase a smaller policy.     

Once you have made the decision to purchase flood insurance for your Proctorville, OH home, contact Jeff Hutchison Insurance Services for your free estimate.

What exactly on my motorcycle is covered with insurance?

Just like any other vehicle, your motorcycle will need to be insured.  Not only does this protect you, but this can also protect your investment.  And, just like other types of insurance, there are standard policies and add-on coverage that you can add to your policy to make sure exactly what you need to be covered is taken care of.  At Jeff Hutchison Insurance Services, serving the residents of Proctorville, OH, we aim to clear up any questions you may have regarding your insurance.  Let’s take a closer look at what exactly is covered by your plan.

A standard insurance policy for your motorcycle will include some sort of liability coverage.  This at a minimum should cover any property damage as well as the bodily harm that is caused from an accident.  Comprehensive and collision coverage will then help to cover any damage to your own motorcycle that may happen as a result of an accident.  Additionally, most standard motorcycle insurance policies will cover total loss damage, should the bike be irreparable following an accident, as well as medical coverage if bodily harm should occur. 

There are also optional coverage options that can be added onto your standard insurance policy.  Some of these include trip interruption coverage that is intended to cover lodging expenses or repairs to your motorcycle should a problem occur while taking a trip.  You can also get equipment coverage for any additional gear you might have on your motorcycle or towing and labor coverage to help cover a flat tire, low fluid, or lost keys.

Because there are so many different options with motorcycle insurance it can be difficult to find the right policy that covers what you need.  At Jeff Hutchison Insurance Services we aim to help the residents of Proctorville, OH find just the right coverage.  Feel free to check out our website today to learn more about how we can find the right policy for you.

Top Reasons to Purchase Flood Insurance

One of the lesser considered types of insurance, flood insurance is actually a type of coverage most should consider carefully. Are you considering purchasing a policy but need a little more convincing? The following is a closer look at the top reasons to purchase a flood insurance policy. 

No Home is Flood-Proof

While some areas are certainly more prone to flooding than others, there is no such thing as a flood-proof home. Therefore, by purchasing flood coverage, you are ensuring your belongings are protected during even the worst-case scenario.

You Can’t Rely on the Government

Moreover, many believe that matters such as natural disasters will be handled by the government. This is not necessarily the case. In fact, the government often falls short of providing assistance during these times. Moreover, it often takes them too long to disburse payments even when they agree to provide relief. Therefore, purchasing your own coverage is the only way to ensure your family has the funds and resources necessary to move forward.

Flood Damage Can be Costly

Lastly, flood damage can be quite costly. This is due to the fact that many of the things are damaged beyond repair and must be totally replaced. Rather than waiting until a flood occurs and you lose thousands in prized possessions, purchasing a policy can ensure that you can repair or replace the items you hold dear.

Overall, for those living in Proctorville, OH, let Jeff Hutchison Insurance Services be your go to for your life insurance policy. Proudly serving the area of Proctorville, OH, contact Jeff Hutchison Insurance Services today to find out how you can start you flood coverage immediately! 

 

What is Liability Insurance on a Homeowner’s Policy?

You already know that having homeowner’s insurance is important, but what all does it cover? Besides just taking care of damage to your personal belongings and the building itself, most policies also include personal liability coverage. Our knowledgeable and friendly team at Jeff Hutchison Insurance Services has put together this brief guide to liability coverage to help get you understand what it is and why it is so useful.

What Does It Cover?

Simply put, liability insurance is designed to protect you and your family financially against bodily injury and personal property claims from other people. For example, if a visitor to your Proctorville, OH home is bitten by your dog or falls down the stairs the liability portion of your policy would pay for their medical bills. Or if your child accidentally throws a baseball through a neighbor’s window, the policy would pay to fix the damage. And these are just a few examples of situations covered under this section of your insurance contract.

Why Is It Important? And How Much Do You Need?

Liability coverage is important because it protects you from unexpected bills and lawsuits stemming from an accidental situation. Instead of being out thousands of dollars for the medical bills of someone outside your family or being involved in a messy lawsuit, your insurance company will go ahead and take care of it for you.

So, how much do you need? Most homeowner’s policies automatically include around $100,000 in liability coverage, but that figure can be raised according to your individual financial situation. To determine this, it is best to speak directly to your agent.

Need more information or a review of your Proctorville, OH homeowner’s policy? Our team at Jeff Hutchison Insurance Services is here to help. Contact us today to schedule your no-obligation appointment.

 

In Proctorville OH, Are There Different Types of Commercial Insurance?

The agents of Jeff Hutchison Insurance Services are available to answer questions and offer sound advice when it comes to various types of commercial insurance. Business owners in the Proctorville, OH area should have their commercial policies reviewed regularly to protect their business from financial loss. There are several different types of commercial insurance that should be considered, depending on the type of business a person owns. Worker’s Compensation insurance is required by law to protect a company’s employees if they are injured during the performance of their duties. Flood insurance, property damage insurance, and commercial liability insurance are just a few types of commercial insurance a company may want to consider.

While Worker’s Compensation is mandatory, other types of insurance are not. Businesses that are located in a flood plain should carry flood insurance. Flood damage is not covered by property damage policies that are written to protect against weather damage caused by tornadoes, high winds or driving rain. Commercial liability policies protect individuals who visit the business if they are injured or harmed in any way while on the premises. Commercial liability also covers damage caused by defective merchandise or workmanship.

Business owners in Proctorville,OH are encouraged to contact the agents of Jeff Hutchison Insurance Services to find out what types of commercial insurance they should have to protect their business. The agent will also help the business owner to determine just how much insurance their company needs to prevent a devastating loss from ruining their livelihood. With the right type of commercial policy and the right amount of coverage, a business owner can sufficiently protect their investment and rebuild accordingly if an accident or unexpected event does occur. 

Money Saving Maintenance Tips For Your Vehicle

Extending the life of your vehicle is important. Thankfully, it doesn’t take much work for you to not only improve how your vehicle runs but extend its life and boost resale value. At Jeff Hutchison Insurance Services, we want to make sure you realize this money saving maintenance tips, whether you live in Proctorville, OH or in the surrounding community. 

Wash Your Vehicle

Washing your car does more than just remove dirt and grime. It prevents chemicals and minerals from eating away at the paint and metal. It actually is more important to wash your vehicle during the winter months than during the summer. Salt used on roadways during the winter will eat away at the undercarriage of your vehicle. By washing your vehicle once every week or two will prevent this from happening and help you avoid the dreaded rust. 

Engine Filters

Changing your oil at recommended intervals is important. Just as important is swapping out the filters. The oil filter needs to be changed at the same time as the oil itself, and installing a new engine air filter at the same time can improve vehicle performance while reducing the amount of dirt entering the engine. This will extend the life of your vehicle’s engine. 

Follow Routine Maintenance Schedule

When nothing is seemingly wrong with your vehicle you may just not want to take it into the shop. However, following the routine maintenance schedule for your vehicle is important as some parts will be deteriorating (such as belts). If you don’t follow the schedule you may set yourself up for larger problems later on down the road. 

By following through with these general maintenance tips, you’ll help avoid long term problems while saving money at the same time. If you’re in need of new auto insurance or have questions on other money saving opportunities for your Proctorville, OH vehicle, make sure to contact us at Jeff Hutchison Insurance Services.

Status Why you need Insurance in Proctorville, OH

Proctorville, OH is a small town in a more rural part of the state. While this is an area that is away from urban areas that may have more risk associated with them due to the number of people and is inland from the inclement weather of the ocean, you will still need some types of insurance if you live in the Proctorville area. Below are the reasons you will need insurance in Proctorville, OH, preferably from a company like Jeff Hutchison Insurance Services, who serves the greater Proctorville area and knows the people in the area well.

TO PROTECT YOURSELF WHILE DRIVING

If you live in Proctorville, you will most likely need a vehicle to get around as there is very little access to real public transportation. With a car comes the need for auto insurance, which will protect you and whoever is riding with you in the event of an accident. Auto insurance will also protect those who are involved in the accident with you as well, covering their vehicles, their medical bills and whatever other property damage may have been caused. You can also have policies that will protect against any lawsuits that may arise from an auto accident as well.

TO PROTECT WHERE YOU LIVE

Your home in Proctorville will need insurance coverage as well, against some things. If a hurricane were to hit the area, which happens from time to time along this part of Ohio, you would need to have coverage against the damage caused by the storm. You will also need fire insurance protection as well, to allow you to rebuild your home in the event a fire occurs. And having coverage against theft, if someone were to break into your home and steal valuables, is always a good idea as well.

Ways to Drive Defensively in Proctorville, OH

When driving in a place like Proctorville, OH, it is important to have insurance on your vehicle, through a local provider like Jeff Hutchison Insurance Services, for example. However, this can get prohibitively expensive. So in order to make it more affordable, driving defensively can reduce the cost of insurance by keeping you out of an accident or getting a ticket from local authorities, two of the primary things that raise your rates. Below are some suggestions of ways to drive defensively.

MAINTAIN SPEED

This doesn’t mean speed, it means abide by the speed limit. But don’t drive way under the speed limit, because that can actually lead to accidents in some places in town. As speeding is the main cause of accidents and also the main type of ticket handed out, not doing these things makes little sense when you want lower costs for your insurance policy.

USE SIGNALS

By keeping everyone else on the road around you aware of what you are doing, your intentions will be clear and accidents are less likely to happen when that is the case. This will keep rates low because the habitual use of signals will undoubtedly help you to avoid getting into an accident in the long run.

ASSUME THEY ARE ALL BAD DRIVERS

Have the assumption that other drivers are going to do things on the road that they absolutely shouldn’t do. This will actually allow you to be prepared when someone does do something stupid and dangerous on the road, allowing you to protect yourself, your vehicle and all the passengers who may be riding with you.

KEEP YOUR WINDOWS CLEAN

Bad visibility is another main reason why accidents happen so keeping your windows and mirrors clean us of the utmost importance when driving defensively.

Preparing Your Home for Spring

Life in Proctorville, OH, comes with intense seasons. Every year you need to prep for severe winter and warm summer. Time is moving, and before you know it, spring will be upon us. Take a look at this checklist, prepared by Jeff Hutchison Insurance Services, and see how you can minimize frustration and expenses by prepping for the next seasonal change early.

Inspect the Roof

Winter is hard on roofs, and this winter has been no picnic. Every spring, when the snows are gone, take the time to check the roof for damaged or missing shingles. Tackling the easier repairs before the more intense spring and summer storms hit can save bundles in repairs and damages. While you’re up there, don’t forget to check and clean the gutters. They’ll be getting use soon enough.

Check the Stone

Any stone in your home, from brick to concrete, should get a once over after the snow is gone. Extreme winter conditions are notorious for starting cracks in stone, and if they are left unchecked, the summer heat will split and spread the cracks in no time. Take a look at driveways, foundation, fixtures and anything else that might be made vulnerable from the major changes in temperature.

Schedule a Summer Prep Day

Before you need it in the heat of summer, take a look at outdoor plumbing. You always want to find leaks or other problems before the demand arises. On that subject, as soon as the weather is warm enough, go ahead and service that AC unit. It probably needs a new filter, and it’s another item that you don’t want to discover is problematic when you need it most. Finally, check on your gardening tools, especially anything electric or motorized. If you take a full day to get these checks done early, you can save mounting frustration later in the summer.

We want your life in Proctorville, OH, to be enjoyable, so keep an eye on the Jeff Hutchison Insurance Services blog for more tips on saving money and keeping your home, family and vehicles in top shape.

 

Is Flooding Covered by a Homeowner’s Policy?

Two things make a big difference in whether water damage is covered by a homeowner’s insurance policy: the wording of the policy and the source of the water that caused the damage. In most cases, flooding in Proctorville, OH caused by external natural forces like an overrunning creek or levee break won’t be covered by a homeowner’s insurance plan. These incidents need to be covered by a separate flood insurance policy. The most common coverage is through the National Flood Insurance Plan or NFIP and provided by approved insurance sellers.

On the other hand, if the water damage source was internal, such as a broken pipe or failing drain system, coverage may be possible. The actual application depends very much on how the wording of a given policy was crafted, so it’s important to read one’s policy first before filing a claim, according to Jeff Hutchison Insurance Services.

Regarding mold, it’s a common damage problem that can be both widespread and structural. Further, it can be a major health problem aside from being a sight and smell nuisance. The first step is mitigation. The following can go a long way to preventing or reducing mold:

  • Thoroughly drying the affected area within 48 hours of contact.
  • Cleaning out all drainage paths.
  • Keeping indoor humidity low, at least below 60 percent.
  • Using vents or windows to create air flow for evaporation.
  • Removing large items that soak up water and trap it.

When mold has occurred, it needs to be removed, the affected material needs to go to the garbage, and the area treated with mold-killing chemicals. Professional services may be necessary to ensure effective treatment is effective. Again, how the mold was caused makes a big difference in whether these costs are covered. To find out more in the Proctorville, OH area, contact Jeff Hutchison Insurance Services for expert help.