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Allstate Insurance: Shannon Herrmann
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Allstate Insurance: Shannon Herrmann
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Home Owners Insurance in Trenton, GA

What are the common exclusions on a homeowner’s insurance policy?

In general, negligence is not covered by any type of insurance policy – but here are some common exclusions for the home owner to be aware of -
  1. Earthquake Insurance (including ground movements, sinkholes, etc)- in earthquake states you are explicitly asked to sign an earthquake insurance waiver. Alternatively you can get earthquake insurance (normally from a different insurer)
  2. Flood damage – the typical home insurance policy does not cover flood damage – you will need a separate flood insurance policy for that.
  3. Mold damage is normally covered only if you had a recent plumbing leak and you take action quickly.
  4. Infestations – insect and vermin infestation (pests) are not covered.
  5. Dangerous Dogs – you are asked about your pets when applying for a home insurance policy specifically because many carriers do not cover a situation where your dog bites a neighbor. In fact, you may not get coverage if you have a dangerous dog; or you may pay a higher premium. Dog bite insurance claims are well over a quarter of all home insurance claims, so insurers are increasingly careful about insuring dangerous pet owners.
  6. To learn more from our experts in the Trenton, GA and surrounding areas, get in touch with us.

What is the Home Insurance claim process like?
  1. Your insurance policy will outline your deductible (and/or waiver of deductible), and the contact information to file a claim. It also outlines what is covered and what is excluded from coverage.
  2. Take pictures of all the damage, losses, and document in great detail what you expect to claim.
  3. Armed with policy in hand you should call the insurance company and begin the claims process. You will be assigned a claims adjustor after the initial claim filing. You can file a claim on the phone or online in most cases.
  4. You will be contacted by the adjustor who will ask for more details and have some questions. The adjustor will them come out or send out a professional to assess the damage, if needed. They will file a report and guide you through the rest of the process – every insurance company is different in the order of handling reimbursements, paperwork filing and organizing repairs etc. But, if you are with a reputable home insurance company, you will have the right information at every step of the way.
  5. A local insurance agent, such as us can help walk you through the whole process and coordinate with the insurer and the claims adjustor to make the claims process much easier on the home owner and their family and loved ones – another reason to use a local insurance agency in the Trenton, GA area.

Why use a local insurance agent for homeowners insurance?
  1. Homes are physically rooted to one spot. And the location they are in has unique characteristics. From city ordinances to county and state regulations, conditions vary.
  2. And then there are geographical factors that Mother Nature contributes to, sometimes in very large meaningful ways – think earthquakes, forest fires and hurricanes.
  3. A local insurance agent doesn’t have to be in in your backyard. They can be within a hundred or so miles and completely understand the nuances surrounding your home. A local insurance agent has knowledge that a non-local agent just does not have. Information like – what is the financial health of the largest home insurance carrier in your county; or are home insurance rates expected to rise in your area because of recent events.
  4. So, call us, your local insurance agent – we understand the Trenton, GA area very well and can give you quality (and money saving) insurance advice.

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Allstate Insurance: Shannon Herrmann has other insurance programs like Auto Insurance in Trenton, GA.