McCurdy Group - Insurance and Financial Consultants

Tuesday, February 21, 2017

What To Do After An Insurance Claim

Claims can be a stressful process. We've worked with clients after car accidents, home fires, storm damage, and even a death in the family. Insurance claims are tied to the most stressful events in our lives. That's why it's extremely important that you work with an agent and a company that you trust. 

After an insurance claim, you call us.

First

We gather as much information from you as we can and report it to your insurance carrier. This could be Safety, Travelers, NGM or others. Our agency writes insurance with many different insurance carriers. Your agent will be there to advise and assist in the process.

Second

Your carrier will assign you a claims handler, who sends an adjuster to evaluate your loss. Depending on the type of claim, they will examine the property and gather more information.The adjuster will determine the settlement amount. Your claims handler will help with any questions you may have.

So what happens if things don't go smoothly at first?

Maybe you don't agree on the amount? Or you can't get the right documentation? Your claims handler is hard to contact?

That's where I come in. My job, as your agent, is to also be your adviser.  My office goes to work to help you communicate with your adjuster and claims handler if there is a problem. That means that when you need help, we're there. Your insurance carrier will settle your claim, but we are in your corner. 

Yes, sometimes you can get cheaper rates with unknown companies. And you might love being able to buy online without talking to an agent. But when it comes down to those stressful moments, it's great to have someone who knows the process on your side.  Call my office today and let us protect your family next.  

Tuesday, January 31, 2017

Safe Stopping Distance

Did you know that it takes 292 feet to stop your car if you’re driving 60 MPH on the perfect road surface? Throw in some messy weather and all bets are off.

In order to be able to stop safely, you need to keep some things in mind: It takes about three-quarters of a second to react to a situation and step on the brake pedal.

You should always make sure that your brakes are in good working order and that the thread on your tires are good. Other braking tips are:
  • Warn pedestrians, bicyclists, or other drivers of possible trouble. Brake early and gently when preparing to stop or turn. 
  • Do not let your foot rest on the brake pedal while driving. (This is called riding your brakes.) 
  • If your vehicle has anti-lock brakes, never pump the brakes.
  • Always slow down near a curve or an area where you cannot see clearly ahead.

Tuesday, January 3, 2017

Replacement Cost vs. Market Value

How many times have you looked at your Homeowner’s policy and thought that the coverage on your house was way too high? And that you could never sell your house for that amount.

With the housing market being what it is, people think that the coverage on their homes should reflect the market value -- but you couldn’t be more wrong. The difference between market value and replacement cost is that market value reflects what a home can be sold for but replacement cost is what a home can be re-built for. Do you see the difference?

With the cost of services and materials, you want to make sure that you have enough coverage to rebuild your home in case of a loss. Some may say that they would never rebuild their house the way it is now, but let’s consider the problems with that theory if you have a loss and the home is not completely destroyed. For example, say your home is insured for $160,000 but it should be insured for $200,000 and you have a kitchen fire that resulted in $50,000 worth of damage. The fact is, the insurance company will only pay you $40,000, less your deductible. That means that you’ll have to write a check for that remaining $10,000 in order to get your kitchen back in working order.   

The reason behind this is in the numbers.  Because you have only insured your home for 80% of its value, you will only receive payment for 80% of the loss.  If you have questions about replacement cost, contact your insurance agent.

Thursday, December 22, 2016

Will Your Party Be Holiday Cheer or a Potential Lawsuit?

Most states have laws that govern the operation of bars, taverns, restaurants or any other business that is required to have a liquor license in order to sell and serve liquor. State laws further define the responsibilities of these business owners for the actions of their customers who leave their place of business after having too much to drink. These businesses are encouraged to purchase a Liquor Liability Insurance Policy to provide protection for potential lawsuits due to property damage or bodily injury caused by an intoxicated customer.

 
However, even you as a homeowner have the same exposures.
Many states extend liquor liability to any “social host” who continues to serve liquor to anyone who appears to have had too much to drink and will likely be driving home. So take these tips to heart:

¨   
If possible, have the party at a location other than your home.
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Serve lots of food and non-alcoholic drinks.
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Have someone keep an eye on your guests, to recognize when someone has had too much alcohol.
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Keep an eye on everyone as they leave the party to determine whether or not they are sober enough to drive.
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Make arrangements for transportation for those who shouldn’t get behind the wheel of a vehicle.
You may even want to consider an "alcohol free"
Christmas party. You will just have to weigh the advantage of alcohol over the potential for lawsuits due to bodily injury that might result from the actions of an intoxicated party guest.

Wednesday, August 24, 2016

September Home Maintenance Tasks




Every month, we share easy tasks you can do to keep your home in tip-top shape all year long.  So here are a few simple tasks you can do in September to prepare your home for cool fall weather!

Check Gutters -  Take a few minutes to make sure your gutters are clear.  With rain and falling leaves, gutters will be working overtime.  By making sure theyre clear now, youll avoid water damage later on. 

Clean The Dryer Vent - Lint accumulating in the dryer vent can cause a house fire.  A couple of times per year, unplug the dryer and thoroughly vacuum the area around the dryer vent and hose.  Remember to check the outside vent too! 

Gather Firewood - Will you be burning a wood stove or fireplace this winter?  Start gathering up firewood now and save yourself from the task when its cold outside. 

Get Ready For Autumn - Now is a great time to start planting some fall flowers.  Mums and pumpkins make a great addition to your front porch! 


Save On Home Insurance - Homeowners Insurance is an important part of protecting your belongings.  To make sure you have the best coverage, call us today for a free, no obligation quote.  

Thursday, March 10, 2016

Protect Your Family During Severe Weather




Did you know that March is Severe Weather Preparation Month?

While it may still feel like winter outside, it won’t be long until spring arrives. And with it comes spring storms! Is your family prepared?

Spring weather will be here before we know it! And now is the time to think about protecting your home and family.

First things first, make sure you have designated a safe place to go to if the weather gets severe. It could be a basement, closet, or room with no windows or outside walls. Make sure this space is cleared out enough that you could easily get your family (and pets) inside if needed. (You don’t want to be frantically clearing out the closet if there is a tornado!)

Next, put together a small emergency kit. What would you need if the power was out? Consider putting in flashlights, extra batteries, canned food, a weather radio and plenty of water. (Don’t forget supplies for your pets too!)

Keep emergency phone numbers in your cell phone contacts, including the phone number for our office (508-347-9343) in case you need to make a claim. You could even save a note in your phone with your policy numbers too.

If you do suffer damage, give us a call to report a claim once the danger has passed. We’ll do everything we can to make the claim process simple and quick!


While we can’t prevent bad weather, it’s always great to be as prepared as possible. Take care of your family first and know that we’ll be there to protect your belongings.  

Wednesday, March 2, 2016

March Home Maintenance Tips




What do you need to do this month to keep your home running smoothly and your family protected? Read below to find out!

Change Batteries In Smoke Detectors - When the clocks spring forward, take a few minutes to change the batteries in your smoke and carbon monoxide detectors. This way you know that they’re always in working order!

Make A Severe Weather Plan - March is Severe Weather Preparation Month. Designate a safe place in your home in case of dangerous weather. Stock it with basic emergency supplies and throw in an extra flashlight, batteries, and a weather radio too! Make sure the entire family knows where to go during a severe storm and how to get alerts.

Check Your Credit Report - March is also Credit Education Month. When was the last time you checked to see that your credit reports were accurate? If it’s been over a year, stop by www.annualcreditreport.com and order a free copy today. Then use an app like Credit Karma to check your credit score with multiple bureaus. These steps can help you catch identity theft or errors. Plus, good credit saves you money on interest and insurance!

Review Your Insurance Discounts - Are you getting all the discounts you qualify for? While you’re busy preparing your taxes and spring cleaning, take a few minutes to call us to review your policy! We’ll make sure your information is all up to date and that you’re receiving every discount that you qualify for.


And as always, give us a call at 508-347-9343 if you have any questions or need assistance with auto, home, business, or life insurance.