You have had the worst disaster a homeowner can imagine. A fire has ruined your possessions and left you wondering what is next. If you want to get back on your feet quicker, learn what is a public adjuster to get started on your homeowner insurance claims.
A public claim adjuster works for you, not the insurance company, so they will have your needs in mind first. An insurance public adjuster is trained and paid by the insurance company. A public adjuster is a licensed and bonded professional who can investigate, document and negotiate a claim. The public adjuster has several responsibilities including inspect th
Oddly enough, one of America’s favorite pastimes is watching eating contests. Though these competitions usually draw just a couple dozen of participants, they draw massive amounts of spectators, attention, and excitement. For the brave few who do step up to the challenge, they have the chance to win an amazing prize.
However, these eating competitions can be made even better with contest insurance. Take a hot dog eating contest, for example. If the winner beats the competition by a dozen, then they can win an additional $5,000. If the tournament took out contest insurance, then the organizers wouldn’t have to pay a single cent of that extra prize. The contest insurance company would.
That being said, here are a few of the strangest eating competitions from around the country, and how they can be
Even though an overwhelming majority of people (93%) feel that having a life insurance policy is completely necessary, an underwhelming amount–about 95 million, which is 41% of the population–don’t have one!
A big reason why so many people don’t have a policy is because they don’t fully understand the different life insurance types. Basically, there’s two main categories of life insurance: whole life insurance and term life insurance. Once you understand the differences between the two, you’ll find it’s fairly easy to purchase this vital commodity.
The intention of a whole life insurance policy is to cover you and your loved ones for the rest of your life, as the name implies. Initially these policies cost more, but the payments taper off in the later years making them cost-efficient. S
It is hard to prepare for disaster in your personal life. There are ways though to make sure a disappointing event does not cripple you or your family. In order to avoid financial catastrophe meet with a qualified local insurance agent to figure out how to find life insurance.
Life insurance is a contract between the insured and insurance company where the insurer promises to pay a designated beneficiary in exchange for a premium upon the death of the insured person. Other events such as terminal illness may also trigger payment. According to LIMRA’s Life Insurance Barometer Study 2013 85% of consumers agree that most people need life insurance.
According to the Genworth LifeJacket Study 2011 40% of Americans that have life insurance don’t think they have enough. They are setting themselves and t
Turn on the TV, and you’ll lose count of the number of car insurance advertisements you’ll see in the course of an hour. Unfortunately, not many of these commercials mention the other sorts of insurance you may need over the course of your life. Taking out homeowners insurance, workers compensation insurance, or life insurance policy plans can save you in your times of need and are just as important as car insurance.
Your home is a major investment. Sometimes, however, we can’t control what happens in the event of a natural disaster. In 2012 alone, the average flood claim on homeowners insurance policies in the United States was $34,000. Without insurance, a homeowner pays out of pocket for damage–and that’s a big chunk of your earnings. Although the average American homeowner spends 2% of their
Did you know that car insurance is a necessity in all 50 states? However, approximately 61% of Americans are considered to be under-insured by 18%. But why does this matter? Being under-insured can be unsafe and costly because accidents are often dangerous and expensive. As a result, obtaining the right types of insurance will help protect your finances in the case of an accident or other unwanted event.
1. Automobile insurance. Auto owners insurance is used to cover the risk of financial liability when a car accident occurs. However, an astounding 16% of American drivers do not have car insurance. Different auto insurance policies provide different benefits, such as vandalism coverage, accident damage repair, and animal collision coverage, so it is important to find a policy that is right for you by u
As MSN Money reports, choosing the wrong life insurance policies can have disastrous consequences for your personal finances. Dealing with death is never easy, and funeral and burial costs for a loved one can throw a metaphorical wrench into a family’s plans when it comes to plundering savings and spending accounts. Still, Canadians purchased almost 700,000 individual life insurance policies in 2012 alone. It’s a smart move, lining up protection for your family against the worst of all unforeseeable circumstances.
Health care is often the subject of great debate around the world. In many countries, there is not enough care for ailing patients, and in other countries, it is simply unaffordable. But in Canada, citizens are treated to a comprehensive, publicly-funded health care system that covers several different medical needs. This is a result of a Canada Health Act of 1984, which requires each province to adhere to certain conditions and criteria for their territorial health insurance programs in order to receive federal funds.
These provisions are what help cover surgery, doctor’s office visits, clinical needs, psychotherapy, dental surgery, and als
It’s wrong not to have any insurance, but it’s important to get the proper amount of coverage from home insurance brokers.
Did you know that an estimated 14% of all auto accidents in the U.S. are caused by someone without car insurance? Not only that, but Mississippi has the highest amount of uninsured drivers with a grand total percentage of 26% being uninsured! And Alabama is almost as bad, with a 25% lacking car insurance! The main reason these folks don’t get the insurance that they need is because it’s too expensive.
This is true for both auto and home insurance. According to FEMA, there’s an estimated 50% of homes in high risk areas of the United States that lack home insurance, also known as hazard insurance. The Federal Reserve Bureau states that homeowners can deduce their average home insur