homeowners claim

Are all insurance companies created equal?

May 21, 2019 /

Surprisingly, the answer is no. It is easy to get caught up in the advertising gimmicks only to find out otherwise when you have a claim. What one needs to do to adequately protect themselves is to read the contract. That’s right; the policy between the insurance company and yourself is a contract. Not all…

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Water Water Everywhere

September 29, 2011 /

People ask me what the leading cause for claims on homeowners insurance. Earthquake? Nope. Fire? Nope. Theft/burglary/vandalism? Nope. Water? Yep. Water. That life giving element leaks in, pours out, spouts up, floods through and can cause gobs of damage to your home and inconvenience to you. The losses due to water come in many forms,…

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A Firefighters Advice

February 24, 2011 /

At my home I receive a free weekly community newspaper, the Sammamish Review.  It’s fun to read about what’s going on, look at the local ads and how the teams are doing.  In this weeks’ paper there was a little notice: EFR advises fire insurance In 2010, Eastside Fire & Rescue responded to 110 structure…

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Price of a Quick Trip

December 2, 2010 /

Prowl, defined: (verb) to move about or wander stealthily; to roam over in a predatory manner. It’s hard for me to believe, but there are all sorts of predators out there, some more sick and hurtful than others. The predators I’m focusing on now are those who, for some reason, seem to think it’s okay…

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It Was a Dark and Stormy Night

October 14, 2010 /

Q&A Caroline asks: with the stormy winter season coming, what is the first thing I should do if a tree falls on my house or my car? Answer: Here’s a list: 1. Check to make sure everyone is okay in or around the house or car 2. For your house, if you need to, turn…

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A Tragedy From Which to Learn

September 15, 2010 /

As a lot of you know, dogs, their possibility to bite and the cost of claims on the owners homeowners policy for medical care and litigation has been a concern to the insurance industry for years. You just can’t charge enough in annual premium to cover tens of thousands in claim dollars. Now, the recent…

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Stroller Accident Lessons at the Fair

September 2, 2010 /

At the beginning of every year our family sits down with a HUGE calendar and fills in important dates. After birthdays and anniversaries and before “xing” out Labor day we fill in the opening day of the Evergreen State Fair. We are always there on the first day. So, last Thursday, August 26th, you know…

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August 19, 2010 /

I don’t know if anyone but our clients knows, but SILVERMARK specializes in writing insurance for Pet Care Services. I bring that up now as I read two separate articles this morning directly related to pets. Both of the articles are warnings, one to dogs, the other to people. First, the warning to dogs: MSN…

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What's In It For Me?!

June 11, 2010 /

Every now and then I have conversation with a client regarding the experience they had with a claim. Sometime after a loss in their home, they are not happy with the way the claim was decided because an item that was damaged or lost was not covered by the policy and I hear “why have…

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