The best time to review your policy?

The best time to review your policy is right now. Don't wait for a claim to occur and then try to address it. At my agency we contact each client by Voice Broadcast, an automated call from me, as well as either an email or letter. This is in addition to another call if there has been any rate increase and in addition to contact by Allstate Corporate. All this contact is aimed at review of the policy or policies. Knowing what is covered and how it is covered is imperative for the client. The lives of our clients are so busy that sometimes this review never happens but, please, for your sake, take the time to even spend 15 minutes with us.

The uncooperative neighbor

Many of us are faced with exposure to loss that could easily be controlled except for the lack of cooperation from an interested party. Let's take the case of Mr. X, who has a huge dead tree overhanging our client's garage. Our Client, being a reasonable and prudent person, asks Mr. X if he would consider at least trimming back the tree. Our Client even takes it upon themselves to get quotes for him. However, Mr.X is not interested in cooperating. His take is let the insurance companies sort it out. Where damage could be avoided, the uncooperative neighbor simply doesn't care. What happens? Your insurance company handles it subject to your deductible and policy provisions.