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Blog - Page 2 of 25 - Trevor Hickman Insurance

Stay Safe on the Highway

Courtesy of iii.org The cost and crashworthiness of vehicles as well as drivers’ safety habits affect the cost of auto insurance. Out of concern for public safety and to help reduce the cost of crashes, insurers support safe driving initiatives. The insurance industry is a major supporter of anti-drunk driving and seatbelt usage campaigns. Lives more »

Claims Settlement Process

Courtesy of iii.org After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here’s what you need to know about claims payments. The initial payment more »

Irma FAQ for Insurance Claims

Courtesy of iii.org In the aftermath of Hurricane Harvey and Hurricane Irma, policyholders may have questions about how insurance works following a natural disaster. Here are some answers to many of these common questions. Q. Are flood losses covered under my homeowners insurance policy? A. Standard homeowners and renters insurance policies do not cover flood more »

Hurricane Relief by Insurance Industry

Courtesy of iii.org In addition to settling insurance claims the insurance industry is also strongly committed to raising charitable funds for victims of Hurricane Harvey. The Insurance Industry Charitable Foundation (IICF), a nonprofit organization that unites the insurance industry in helping communities and enriching lives through grants, volunteer service and leadership, has established a Hurricane more »

What’s Next-After the Hurricane-Guidelines-Part 2

Courtesy of iii.org Other factors Compliance with current building codes: Building codes require structures to be built to certain minimum standards. In areas likely to be hit by hurricanes, for example, buildings must be able to withstand high winds. If your home was damaged and it was not in compliance with current local building codes, more »

After the Storm-Insurance Guidelines-Part 1

Courtesy of iii.org What you need to know about how to file a claim how the claim process works what’s covered and what’s not First Steps Contact your agent or company immediately. Find out: Whether the damage is covered under the terms of your policy how long you have to file a claim whether your more »

Back to School & Insurance

Courtesy of iii.org With burglaries constituting approximately 50 percent of all on-campus crimes, according to the National Center for Education Statistics, it is more important than ever that college students and their parents review their insurance coverage. For students who live in a dorm, most personal possessions are covered under their parents’ homeowners or renters more »

Flood Preparation

Courtesy of iii.org Watches/warnings: Flood watches are issued when rain is heavy enough to cause rivers to overflow. Flood warnings describe the severity of the situation and indicate when and where the flood will begin. Flash flood watches are issued when heavy rain is occurring or is expected to occur. Flash flood warnings are issued more »

Hurricanes and Deductibles

Courtesy of iii.org This should NOT be a surprise: Your home insurance policy has a separate deductible for hurricane damage. It should be common knowledge because it’s been in Florida statutes on insurance contracts at least since 1997. Yet, when the next hurricane hits, there will be some people shocked to find this out when more »

Saving Money on Auto Insurance

Courtesy of iii.org Before You Buy a Car, Compare Insurance Costs Higher Deductibles Could Mean Lower Premiums Reduce Coverage on Older Cars Buy Your Homeowners and Auto Insurance from the Same Company Maintain a Good Credit History Take Advantage of Low Mileage Discounts Ask About Group Insurance Seek Out Other Discounts

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