How to Understand Your Insurance Company's Late Policy!

One of the main things that customers need to know about their insurance is what type of policy coverage they have, what type of insurance company they have, and what type of policy the insurance company has on payments. When considering what type of policy your insurance company has on payments, ask theses questions:

1. When does my payment have to be received in order to be on time?
2. Does the payment need to be postmarked by a certain time?
3. In what office does the payment need to be received?
4. How do you issue a cancellation policy, will it be a part of the bill or separate?
5. Do you have a maximum number of late payments that are allowed before you cancel my insurance policy permanently?

To ensure you have the proper insurance coverage for your Tulsa, OK home or for more questions, contact Mike Tedford of Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.

For all your Tulsa, OK area real estate needs, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or www.darrylbaskin.com.

Insurance Claims

How Do I Handle an Insurance Claim on my Homeowner's Policy? Many times homeowner's find that insurance adjusters can't answer questions about their policy. That is because, many times, insurance adjusters are sub-contracted by the insurance company. To help alleviate that problem, make sure that you ask plenty of questions about your policy before you purchase it. Find out what is covered and what isn't. Also keep in mind that many policies stipulate that you have to file a lawsuit within 1 year of the claim or you will waive any right to do so. If there are problems with your claim, you may need to file a lawsuit before the year is up in order to make sure that your time doesn't run out and you are stuck with repairs that you can't pay for. To avoid being put into that position, work ahead, ask questions, and do your research.

For more information about filing insurance claims or for an estimate for insurance coverage in Oklahoma contact Mike Tedford of Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.

If you have had fire, water or smoke damage to your Tulsa, OK. area property, contact Roger Fisher of PCC Cleaning and Restoration at 918-641-1111 or www.pcccr.com.

For legal advice on insurance claims in Oklahoma, contact Paul Boudreaux of Richardson, Richardson, Boudreaux at 918-492-7674 or www.richardsonlawfirmpc.com.

Condominium Insurance

When purchasing insurance for your condominium, there are some important things to keep in mind. First, know your covenants and bylaws. Each condo association is different and has different covenants and bylaws. With some, if the condo is destroyed, they will rebuild the outside, but the owner is responsible for everything from the sheetrock in. This type of information will help your insurance agent determine the proper coverage for your policy. Second, remember that you may be responsible for extra fees if the condo association falls short of funds (to replace the roof, for example). That can also be added as coverage for your policy.

For more information about condo insurance, renters insurance or another type of insurance, contact Mike Tedford, Tedford Insurance, 918-299-2345, or www.tedfordinsurance.com.

For all your Tulsa, Oklahoma area real estate needs, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or www.darrylbaskin.com.

Ice and Snow Bring Insurance Claims.

What You Can do to Avoid Paying Insurance Deductibles.

Warm up first. When you have ice or snow on your car, scrape off all the ice from your car windows. Your windows are not just a port-hole to peek from. You need to be able to see out your side windows for blind spots. It's cold out there so men, earn some extra points and take care of the ladies.

Don't forget the windshield wipers; make sure they are free of ice and snow. Don’t forget the headlamps and tail lights either. Other drivers need to see you coming and going and need to see if you’re turning, or braking.

Ice on your hood could cost you! Ice on the hood or roof of your car that flies off and hits another vehicle or person while you are driving is your liability. On a more selfish note if you don't scrape it off and it starts to break free or melt it may just slide off and dent your own car or crack your own windshield. That is never a good thing.

Brush off your hood. When you leave the snow piled on the hood of your car and you start driving it is going to blow up onto your clean windshield which, of course, is warm from your defroster and will freeze on your windshield wipers- making it very hard to see through the little streaks that are left. So, go ahead and brush off the hood of your car. You’re already cold. Just a couple more minutes and you'll be on your way.

Be careful where you park. After the freezing rain leaves it's beauty marks on trees and power lines and starts to melt it may come crashing down onto your car. You may be fine when you go into work early in the morning when everything is still very cold. Oh but when you come out after the ice has slide off the roof, or drop off the tree, or power line. You may have a nice dent - or worse on your car. A little planning could save you a lot of money stress and maybe a few bad words.

Jerry Szeszulski is an insurance expert heard on The Future of Real Estate on News/Talk 740 KRMG in Tulsa Oklahoma. Jerry offers money saving expertise for homeowners to apply to their homeowner's policies. Email your insurance questions to: Jerry.Szeszulski@american-national.com