Month: March 2019

How do home insurance claims work in Chandler, AZ

Posted on by agentinsure

We all purchase home insurance to keep our assets and loved ones protected, but the question "how do home insurance claims work" is disastrous. No, one wishes to claim on his or her home insurance, despite paying for it every other month–it simply means something must have terribly gone bad. 

The truth is that disasters do happen, and the last thing you want is getting back to normalcy as soon as possible, and your favorite insurance company– San Marcos Insurance Group also wants that. With that said, your insurance company should help make the process as smooth and as fast as possible.

How insurance claim work

The first and probably the most fundamental step is reporting the incident to your insurance provider, officially known as filing a home insurance claim. An adjuster will immediately be sent to your house to inspect the damage. It is he or she who will determine how much the company will reimburse you for the claim. 

Most insurance companies in Chandler, AZ, will check for the repairable damages and send technicians to do the repairs. If the house was burnt to ashes, then pure compensation will apply upon which must be granted immediately to help you organize and settle again. Some companies offer a settlement on the spot and pay for the furniture.

Note that your insurance claim adjuster plays a vital role in ensuring that you get fully compensated for all the damage and loss incurred. Therefore, having a competent insurance company like San Marcos Insurance Group will make sure that detailed questions are asked and a note-down of all damage, is done to provide a clear figure of the payment you deserve. For quotes or policy discussion visit us at Chandler, AZ or call us to schedule an appointment.

 

what is comprehensive auto insurance in Chandler, AZ and what does it cover?

Posted on by agentinsure

Road accidents do not have to necessarily involve collisions; you could hit an animal, rock or tree branch that fall on your car as you park. However, with the right auto insurance policies from San Marcos Insurance Group you are assured that wherever your vehicle is, it is always protected. Comprehensive coverage is what you need—it covers for expense and damage that may result from anything other than collision.

One crucial point to understand is that comprehensive insurance is not a requirement by law, but is an important policy based on the value and use of your car. Although comprehensive insurance is sold separately from collision insurance, the driver must typically have collision insurance to be allowed to buy comprehensive coverage.

What does a comprehensive insurance cover?

  1. Vandalism
  2. Theft
  3. Fire
  4. Natural disasters such as tornado or hurricane
  5. Falling objects
  6. Civil riots, explosions, or disturbance that may lead to car damage
  7. Rocks
  8. Storms, floods, earthquake, hail, and lightning
  9. Accidents with animals

Note that if you were driving and came across an object or animal which prompted you to swerve to avoid hitting it, but instead hit another vehicle, that accident will be covered under collision and not comprehensive insurance. Collision coverage is a requirement in Chandler, AZ, as it is the pillar cover on the road. The only problem with it is that it is limited.

At San Marcos Insurance Group, we recommend having both insurance policies as they work hand in hand to keep you safe. If you are a car enthusiast, you probably won’t appreciate even colliding with a small stone, and comprehensive insurance provides you with the ultimate protection needed. Visit us at San Marcos Insurance Group in Chandler, AZ today and be safe.