Kodiak Insurance Agents

in Kodiak, AK

Local Articles in Kodiak

tips on hiring an insurance agent (Photo by Photo by Jennica Abrams)

Insurance agents

Insurance agents represent one or more insurance companies and can offer products including life, disability and long-term care insurance. Do your homework before choosing an insurance company or agent.

A higher deductible will save you money on your annual insurance premium, but be sure to review the pros and cons before changing your policy. (Photo by Summer Galyan)
Insurance Agencies

A high deductible homeowners insurance policy will save you money on your annual premium, but review these pros and cons of such a policy before you sign.

High deductible insurance policies are often a popular option for homes of higher insured value, as homeowners tend to have the means to pay the deductible if necessary. (Photo courtesy of Angie's List member Todd C., of Maple Valley, Wash.)
Insurance Agencies

Is high deductible homeowners insurance inevitable? As more insurance companies require homeowners to cover more of a claim, what does that mean for you?

Fire damaged home
Water & Smoke Damage, Insurance Agencies

Will homeowners insurance cover water damage? Can insurance pick the contractor? Do you pay the deductible upfront? What you need to know before a disaster.

It's important to educate yourself about the storage facility’s policies regarding losses on the premises, says McClain. (Photo courtesy of Angie's List member Corey S. of Phoenix)
Insurance Agencies, Storage Facilities

Before you place your belongings in a rented storage unit, it's important to know the policies. One highly rated provider shares the details about storage.

Angie's Answers

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First, call your insurance company and tell them you do not want any proceeds paid to the contractor under your policy as you are not going with them.  This way they can not collect money on your behalf.  Insurance will typically have you sign a form for release of funds anyway but this is a good extra step to make sure your signature isn't forged.  Second, call the contractor and tell them you will not be needing their services afterall.  Did your husband pay a deposit?  If so it may be non-refundable.  Then follow up with a certified letter. 

 

An email as well doesn't hurt but some states don't yet recognize email as a form of communication for legally binding documentation.  This may have changed and I'm sure more states do recognize them as I haven't followed that topic elsewhere as much as I used to.  The contractor's office should be local.  A sure fire way to ensure they got the message is to deliver the letter to the office of the contractor and have someone at the office sign a duplicate stating it has been recieved and read.  There's no arguing whether they received it or not by doing that.

 

Hopefully you've learned your lesson about high pressure sales techniques and storm chasers looking for a quick buck.  Some people find out a much harder way.  While these guys may be legitimate you should always do your homework on a contractor before signing the contract.  Unless you have water running out of the house and the work has to be done on the spot it's not so much of an emergency that it can't wait until the next day.

 

Todd Shell

Todd's Home Services

San Antonio, TX

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Consider going to library an reading Consumer Reports rating on home insurance companies in your area.  For affordabilty elect the highest deductable you can stomach.  This will lower your premioum, I went thru Costco, they and Sam's Club can be a valuable resource for home and car insurance. Shop on line with your needs to save money.  Unless you have major assets forget large policy. For your gutter and roofing needs see my blog.
Jim Casper 

All Insurance Agents in Kodiak, AK

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