How your insurance company will deal with damage caused by a fallen tree.
Homeowners insurance policies will provide coverage for damage that is caused to your house during a strong windstorm. However, do you know if your home insurance policy will also provide coverage if that windstorm causes a tree to fall on your house? Keep these tree damage and homeowners insurance considerations in mind to ensure that you have the right amount of protection.
If a tree falls on your house, or any other structure on your house, your homeowners insurance policy will kick in and provide coverage. Your home insurance policy will provide coverage for any personal belongings that were damaged as well as the structures, up to the limits of your policy.
If a neighbor’s tree falls on your house during a storm, filing an insurance claim can be a little more confusing. If the tree was healthy and well cared for, your own home insurance policy will take care of the damage. However, if you are able to prove that the tree as dead or diseased, your insurance company will most likely try to collect a payout from your neighbor’s homeowners policy through subrogation. If your insurer is successful and able to get a payout from the other company, you will be reimbursed for your deductible.
When it comes to the clean-up of the tree, most homeowners insurance policies will only provide coverage for debris removal if the debris is what actually caused the damage. If the tree fell on your property and did not cause any damage, you will be left paying for the clean-up on your own.
Contact the Insurance Agency of Dean Davis in Austin, Texas for all of your homeowners insurance needs to ensure that you have the right amount of protection for any damage done during a storm.
Finding the right commercial auto insurance policy for your Austin, TX home business.
More and more people are starting their own home-based businesses, helping to change the way that the business world runs. Before you decide to open your own business at your house, it is important to make sure that you know what it means for your insurance coverage. Keep these commercial auto insurance for home businesses considerations in mind to ensure that you have the right amount of protection.
Many home-based business owners assume that their existing car insurance policy will provide coverage when they are using their car for business purposes. No matter if you are making deliveries or visiting clients, your current auto insurance policy will most likely not be able to provide any type of protection in case you are in an accident.
In some cases, you may be able to add a rider onto your existing auto insurance policy to provide coverage while using your car for work. However, this is typically only the case if you make the occasional delivery or client visit. If your vehicle is a vital part of your business, such as if you run a shuttle service, you will need a specific commercial auto insurance policy.
If you are trying to sneak by without telling your insurance company about your home-based business, you may find yourself in even more trouble. If you make a claim to your personal auto insurance company and they find out that you were using your vehicle for business purposes, they may deny your claim, which can mean you will have to cover all of the damages out of your own pocket. They may also cancel your policy, leaving you without any type of coverage.
To ensure that you have the right commercial auto insurance policy for your home based business, contact the Insurance Agency of Dean Davis in Austin, Texas.
The Texas Book Festival is taking place October 17th through the 18th.
Are you ready for the Texas Book Festival 2015? On October 17th and 18th, head out to the State Capitol and surrounding grounds in Austin, TX to enjoy everything that this annual event has to offer for people of all ages.
The Texas Books Festival is one of the more prestigious and largest literary festivals in the United States. The Festival features more than 250 critically and nationally recognized authors, over 80 exhibitors, more than 20 venues including the State Capitol, local food trucks, live music, family activities, and hundreds of opportunities to meet with some of your favorite authors and fellow book lovers.
You can start the festival a day early with the First Edition Literary Gala on October 16th at the Four Seasons Hotel. The Gala is one of the most fun ways to support the efforts of the Texas Book Festival and acts as the main fundraiser.
The Texas Book Festival is a non-profit organization. All donations help to benefit the annual event, literacy programs, literary events, and grants for public libraries throughout Texas.
All of us at the Insurance Agency of Dean Davis in Austin would like to invite you and your loved ones out to enjoy everything that this local event has to offer!
Use these tips to stay safe on the fall roads.
Even though winter is still a ways away, the outside temperatures are continuing to drop for fall, leading to certain driving hazards that you should be aware of. Keep these autumn driving safety tips in mind to ensure that you can safely enjoy the season.
- Fallen leaves can be much more dangerous than most people think. Wet leaves can turn into slimy patches that can be just as slippery as ice. Even dry crunchy leaves can be dangerous, as your catalytic converter can easily ignite them on a warm fall day.
- If you are driving during the early morning hours, make sure to watch out for frost patches on bridges and in shady sections of the road.
- Fall is the most active time of year for deer, meaning they are much more likely to make their way onto the road. Use extra caution when driving through areas that have a lot of trees and be ready to stop to prevent an accident with a deer.
- The changing fall temperatures increase the chance of foggy mornings and evenings. If you are driving in foggy conditions, make sure to slow down and keep your headlights on.
- The early sunset can create a blinding glare on your drive home to work. Make sure to keep your windshield clean so that you can see through the glare.
- Kids are back in school and many more people are taking their exercise routine outside to enjoy the weather. Use extra caution and look out for kids, runners, and bicyclists when you are driving.
Having the right auto insurance policy in place can help to ensure that you are covered from any peril that you encounter on fall roads. Contact the Insurance Agency of Dean Davis in Austin, Texas for all of your car insurance needs this season.