 | Jerviss-Fethke Insurance Agency | | "Because Things Happen" |
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| Most Insurance compaies allow you to add an Identity Theft endorsement to your home insurance policy, for a very small charge. The coverage does not apply to amount of debt someone puts in your name, rather it pays for the costs you incur to remove the debt from your identity, such as, costs for getting certified documents, mailing costs, travel time, sometimes attourney costs. Check with your Insurance agent and policy for specifics.
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If water backs up through a sewer drain in your basement, you can add an endorsement to cover the resulting damage to your home insurance policy. If water seeps in through windows, walls, or floor of your basement, most policies exclude coverage. Contact your agent to make sure you have the proper coverage.
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Water damage caused by Snow & Ice Build up
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Tree coverage on a HO3 Home Insurance policy vries by company. If a tree gets blown down in your yard and hits nothing some companies have no coverage, others may provide up to 500 dollars to have it cut up and hauled away. If it hits a structure, ie: fence, out building, house, or garage, most companies will pay the cost to get it off the structure and on the ground, cover the repairs or replacement of the structure, and then provide up to 500 dollars to have the tree cut up and hauled away. (Check with your current insurance agent).
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| If you have a home based business, please contact your insurance agent to make sure you have the coverage you need. (Most home based businesses are not covered on the home insurance policy without an endorsement, or may need a separate policy to provide coverage.
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| The buzz in the industry is Insurance scoring will be done away with in Michigan by 2010. Good for some, not so good for others.
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