When you have home insurance, it’s a relief knowing that damage or loss to your home is covered. Filing a claim is easy when you work with your insurance representative at Abney Insurance serving Winter Garden, FL. Still, you can make the process of filing a home insurance claim even easier with these four tips for backing up your claim.
4 Tips to Back Up a Home Insurance Claim
1. Submit Receipts
Your insurance provider will want to give you accurate compensation for your loss or damage. Submitting original purchase receipts with your claim establishes value. Whenever you purchase anything that’s covered by your home insurance, keep the receipt. One great way to do this is to photograph the original receipt and file it in a dedicated folder on your PC or cloud storage folder.
2. Document With Photos
It’s helpful if you can submit photos that prove ownership, damage, or loss, too. For instance, when you have a kitchen remodel, photograph the new space, including sink fixtures, appliances, tile, and so on. Then, if something happens years later, you’ll have these photos available to show the original condition of your home.
3. Obtain 3rd Party Reports
If a loss included a burglary or something similar, be sure to get a copy of the police report. Submit this with your claim to help establish the details of the loss and a 3rd party’s objective backup.
4. Know Your Policy
When you get your home insurance policy, read through it carefully so you understand your coverage. You may have coverage for more than you realize. Also, the policy will explain in detail how to submit a claim and what to expect.
For more information and support for filing a home insurance claim, contact Abney Insurance serving Winter Garden, FL. We’re here to help.
If you own a home and a vehicle, you likely already have a home policy and an auto policy. These are needed for many reasons, and each offers several different kinds of protection. One of these types is liability coverage. Getting more liability coverage is necessary for many people, and it’s as easy as getting an umbrella policy. If you’re interested in getting an umbrella policy, call us at All-Tex Insurance in Granbury, TX.
More Liability Coverage
The liability coverage that you have in your home and auto policies is there to protect you financially in case someone else is injured in an accident. However, you may not have much of this coverage in those policies. When you want more, it may seem like a good idea to add more directly to each of these policies. However, this can be highly expensive. A much less expensive option is to get an umbrella policy. These come with reasonable prices and add an enormous amount of liability coverage onto both of those policies at once. Not only do you get more peace of mind from having better coverage, but you also save money.
Paying the Overage
When you have home and auto insurance, the appropriate policy will pay out after an accident to take care of expenses like medical bills for the injured party. However, when your liability coverage maxes out, it won’t pay anymore – even if there are still medical bills owed. That’s where your umbrella policy would come in. It would take those overages and pay them so you don’t have to pay them out of pocket. It comes with extremely high maximum payouts so a serious accident can be paid for.
Get an Umbrella Policy
When you want more liability coverage through an umbrella policy, call us at All-Tex Insurance in Granbury, TX.
Our auto insurance agents at Abney Insurance serving the Winter Garden, FL area want you and your vehicle to be adequately protected before you hit the streets. The best way to do this is to have an auto insurance policy that works well for you and your situation.
Is Auto Insurance Required in Florida?
Yes, auto insurance is required in Florida as it is in most of the 50 states across the country. Florida law mandates that all drivers maintain a minimum amount of auto liability insurance coverage to legally operate a vehicle. The minimum coverage includes personal injury protection (PIP) with a minimum of $10,000 in medical benefits and $10,000 in property damage liability (PDL).
This type of coverage is imperative to have in place since it will protect you and your passengers as well as other drivers on the road in the event of an accident. If you do not have at least the minimum amount of auto insurance in place, you can end up with penalties, such as fines, as well as a driver’s license suspension and even vehicle impoundment.
Auto Insurance Coverage Options
Uninsured and Underinsured Motorist Coverage
This type of insurance will come in handy if you are ever involved in an accident with a driver who has no insurance or does not have enough to cover the damages to your vehicle and injuries to you and your passengers.
Comprehensive insurance is very important to have in place, especially if you still owe money for your vehicle. This is because it will help you repair or replace your car, truck, or SUV if your vehicle is damaged by a natural disaster, and act of vandalism, or a fire. It can also help you replace your vehicle if it is stolen.
This type of insurance may also be required by a lender if you still owe money on your vehicle since it will help repair your vehicle if you collide with another vehicle or a stationary object.
Contact Us Today
To create the best auto insurance policy for you and your vehicle, you can contact the experienced and trustworthy auto insurance agents at Abney Insurance serving the Winter Garden, FL area today!
Every business owner here in the Winter Garden, FL area should prioritize the safety of their company and the security of their employees. One of the best ways to do this is by investing in essential insurance policies from us at Abney Insurance that help protect the business from costly liabilities.
Here are some of the most important insurance policies for business owners to consider:
1. Commercial Property Insurance:
Protects your business from losses due to fire, theft, and vandalism. It also covers damages caused by natural disasters such as floods and earthquakes.
2. General Liability Insurance:
Covers your business if a third party sues you for property damage or bodily injury. It also protects against financial losses related to advertising errors and product recalls.
3. Professional Liability Insurance (Errors and Omissions):
These policies cover legal costs if you are accused of negligence or mistakes in the professional services you provide. This includes malpractice, copyright infringement, or other errors and omissions related to your professional services.
4. Commercial Auto Insurance:
If you use cars or trucks for business purposes, this insurance policy helps cover costs associated with accidents, injuries, property damage, medical bills, and more resulting from a car accident involving one of your vehicles.
5. Workers’ Compensation Insurance:
This coverage pays for medical expenses if an employee becomes ill or injured while working on behalf of your company. It also covers lost wages and salary reimbursements while they are unable to work due to their illness or injury.
Reach Out To Us
For more information, give us at Abney Insurance a call today. We serve the Winter Garden, FL with pride and would be happy to help you put together the right portfolio of coverage to ensure your business is protected.
The windows in your home can get damaged in a number of different ways. A child throwing a ball can hit the window, a rock can fly up and damage the window, or a potential thief can break the window attempting to break into your home. One of the questions that we at Abney Insurance, serving the greater Winter Garden, FL area, are often asked is whether broken windows are covered by home insurance policies.
Are Broken Windows Covered By Home Insurance Policies?
Whether or not broken windows are covered by a home insurance policy depends on the specifics of the policy and the cause of the damage. In general, most standard home insurance policies provide coverage for broken windows if the damage is the result of a covered peril, such as a storm, vandalism, or a fallen tree limb.
However, if the window is broken due to wear and tear, neglect, or intentional damage, it may not be covered under the policy. Additionally, if the damage is caused by a flood or earthquake, which are typically excluded from standard home insurance policies, the broken window may not be covered.
Reach Out To Us!
Broken or damaged windows may be covered by home insurance policies if the window is broken or damaged by a covered event. Here at Abney Insurance, serving the greater Winter Garden, FL region, we are committed to helping you to understand your policy and what is and is not covered. If you have any questions about an existing policy or are looking to purchase a new home insurance policy, our team would love the opportunity to help you. Call us today to get started.
There’s nothing more frightening than being involved in a traffic accident. One minute you’re driving along, and the next, you’re in a car crash. The aftermath of an accident can be overwhelming, leaving you feeling disoriented and unsure of what to do next. If you find yourself in this situation, don’t panic. Abney Insurance recommends these steps to take after a traffic accident in Winter Garden, FL.
Traffic Accident: Next Steps
1. Check for Injuries
The first step after an accident is to check yourself and your passengers for injuries. If anyone is injured, call 911 immediately. Even if you feel fine, it’s still a good idea to see a doctor, as some injuries may not be immediately apparent.
2. Move to a Safe Location
If possible, move your vehicle to the side of the road to a safe location. This helps to prevent further accidents from occurring. Turn on your hazard lights, and use cones or flares to alert other drivers of the accident scene.
3. Exchange Information
After ensuring the safety of all involved, they exchange the necessary information with the other driver. Be sure to take note of their contact information, license plate number, insurance information, and driver’s license information. Photographic evidence of the accident scene and damage can also be helpful. Other information that may be exchanged includes any witnesses’ names, addresses, and phone numbers.
4. Report the Accident
Florida state law requires all accidents to be reported to the police if anyone is injured or property damage exceeds $500. Call 911. The officer will file a report, which your insurance company will need to process your claim.
Give Us A Call
Contact Abney Insurance once you are back in a safe place. We’re here to help our customers in Winter Garden, FL.
The Winter Garden, FL area has continued to be a good area to be a business owner. When you are an owner of a business here, you will be happy to know there is a good local economy and support for businesses of all sizes. As you are looking to start or improve a business here, you need to ensure you have the right insurance.
There are many good reasons to have commercial coverage:
Protect Your Business
A great reason for anyone to have a commercial insurance plan is so you can protect your business. A quality commercial insurance policy will give you liability coverage and can protect any assets that are owned by your business. Ultimately, this can make it the best way for you to mitigate various risks that could result in a loss and financial setback, which can help to keep your business afloat during otherwise difficult times.
Meet Standards and Requirements
It is also a good idea to get a commercial insurance plan so you can meet the standards and requirements set for your business. Most business owners will have various insurance needs. This can include having requirements set by lenders and investors, requirements for worker’s compensation, and various other requirements. When you are properly covered with your commercial plan, it will ensure you remain in good standing with such obligations.
Give Us A Call
As you are looking for a new commercial insurance plan in the Winter Garden, FL area, it would be a good idea to call our team with Abney Insurance. There are many great reasons to get this coverage, and our professionals with Abney Insurance will help you build your next plan. This can offer all of the support you need to properly protect your organization.
Home insurance protects your largest investment from a great many of the hazards that can befall it. While coinsurance covers everything, it can give you confidence your home is as safe as possible. At Abney Insurance, serving the greater Winter Garden, FL region, we are independent insurance agents and our team has the knowledge you require to make the correct choice when it comes to home insurance.
Why create a home inventory?
If you ever need to file a claim for damages to your home, having an inventory can greatly facilitate the resolution of your claim. Your inventory will provide the information you need to tell what was lost.
You can create a home inventory by using a pad and a pen. You will also need to bring along a camera or a cell phone. Begin in the room of your choice and list all the items in the room. Open any drawers or closets and make a list of what is inside. Give as much detail as possible, including make and model, and any serial numbers there may be. Take pictures of the room from a variety of angles.
Do this for every room in your home. If you have any expensive items, it is worth getting an appraisal. Attach any receipts you may have to back up the information you have. Don’t forget to go up to the attic and into the basement. You want your list as complete as possible. Attach the correct photos.
Now comes the important part; storing your inventory. You want it to survive anything that might happen. It is best stored away from your home. One of the safest things you can do is to make sure your inventory is available on the cloud where it is sure to survive.
Reach Out To Us
Contact Abney Insurance in Winter Garden, FL if you have home insurance needs or questions.
Most people have a yearly auto insurance policy. When it is time for you to renew, you will either get a digital or a paper copy of your auto insurance renewal. The front page of the policy will be the declaration page. At Abney Insurance in Winter Garden, FL, we are an independent insurance agency, and we understand that our customers deserve our full attention and customer service.
Reviewing Your Auto Insurance Policy
The declaration page is an overview of your auto policy all on one page. The people who are listed on the policy will be here. The amount of liability coverage you have will be listed. It will also show any optional coverage that you may have. It records your cars on the page and what the coverage is on each. With this information at your fingertips, an ideal time to review your auto policy.
When you add a new vehicle to your policy, it is also a good time to review your coverage. Is your new car an additional vehicle or is it a replacement vehicle? Who is going to be the primary driver? Look over the coverage that you have and determine if it is right for the new vehicle you are adding.
When you add a new driver, that is also a good time to check what your coverage is. Is it a young driver? Do you have enough liability coverage? Will this driver be assigned to a specific vehicle? These are all important questions, and they will help determine your premium.
When you are checking over your policy, be sure to look at the discounts you are getting and make sure that you are getting all you are entitled to.
Contact Us Today
Give us a call today at Abney Insurance in Winter Garden, FL, when you have questions or concerns about your auto insurance coverage.
Home-based businesses are increasingly popular. Not having to pay for a brick-and-mortar location is a big cost saver and allows many people to start businesses that might not be able to raise the money needed to rent a building. At Abney Insurance in Winter Garden, FL, we understand the risks that all businesses face, and we are in a position to help our customers to get the right commercial insurance to protect their business.
Why your home-based business needs commercial insurance
Home property coverage is not designed to cover your business. While you may get some limited coverage from your home policy, it may not be adequate to replace the things that you have lost. You need a commercial policy designed to protect the assets that your business has that may be stored in your home or in your home office.
If customers or clients are visiting you at your home, you need to have commercial liability insurance to protect you. If someone is injured while visiting you, your home insurance does not protect you. If you get sued by a client or a vendor, this is definitely outside the scope of your home insurance. Commercial liability insurance can offer you the protection that you need to have a viable home business.
Most auto insurance policies will not cover your vehicle if you are using it for business. Even if it is mostly for private use, you can’t use it for business and expect to be covered.
Business interruption insurance
This insurance can help your business to survive if you are not able to do business for a covered reason. It can save your home business.
Give Us A Call
Contact Abney Insurance in Winter Garden, FL to discuss the types of commercial insurance that your home-based business needs to have to be protected.