What To Do After An Insurance Claim

Claims can be a very stressful process. I’ve worked with my 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 will be assigned an adjustor to evaluate your loss. Depending on the type of claim, they will examine the property and gather more information. The adjustor will then determine the settlement and answer any questions that you may have. 

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

Maybe you don’t agree on the amount or can’t get the right documentation? 

That’s where I come in. My job, as your agent, is to also be your advocate. My office goes to work to help you communicate with your adjustor if there is a problem. That means that when you need help, we’re there. 

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 you know on your side. Call my office today at 360-452-9200 and let us protect your family next. For more information and to read our customer reviews, please visit www.allstate.com/mattelwood. 

Insurance For Your Wedding Rings

Did you know that June is the most popular month for weddings?  

I’ve seen many of my clients planning weddings over the next few weeks.  So I thought I’d share an insurance tip this week just for engaged couples and newlyweds.

You’re spending a lot of money on your wedding and those new rings.  Make sure they’re covered!  

Jewelry is covered under your Homeowners or Renters insurance.  But the coverage amount can be limited.   If you don’t cover the individual piece of jewelry specifically, you might not have enough insurance if it were to be lost or stolen.

Here’s what I recommend.  Get an appraisal of your rings from a local jeweler. A lot of our customers like to go to Cole’s Jeweler’s in Sequim. Then bring in a copy and we’ll add the rings to your policy.  (We can also discuss deductibles or special coverage.)  Depending on the value of the ring, you might spend only a few dollars a year to know that your valuable jewelry is insured.

If you are renting or getting ready to purchase a home and don’t have a policy, now is a great time to schedule a consultation to discuss what coverage you’ll need and give you a ballpark figure for what it will cost.  Renters Insurance is very inexpensive and can give you a lot of peace of mind as you combine your two households.

But the best tip I can give?  Get a local insurance agent you can trust!  We’ll look out for you and help you get the right coverage at an affordable rate.  Call us today at 360-452-9200 or visit our Allstate Website to get a quote.

Why You Need Good Liability Coverage On Your Homeowner's Insurance

Warm weather has arrived and everyone is beginning their yard work. Mowing, planting
flowers, and digging those vegetable gardens. There is a lot of work to be done.

So let's say that you dig a large hole in the front yard so you can plant a new tree. You
walk away for a moment and while you're gone the kid next door runs through the yard,
falls in the hole, and breaks his ankle.

Unfortunately, you could be held responsible. But not to worry, your homeowner's
liability insurance is made for these kind of situations. It will pay if someone is injured
on your property. It's the coverage that protects you if the dog bites your child's friend
(as long as it's not a restricted breed) or if your cousin falls down your front steps.

If you have a large number of assets, then you'll want higher liability coverage. If the
injury exceeds your liability coverage amount, then you could be sued for the difference.
Work with your agent local Allstate agent Matt Elwood to determine the amount of coverage that you are comfortable carrying.

No one can protect themselves by just being careful alone. There are too many
possible scenarios that you could never foresee. But with the right insurance coverage,
you'll never have to worry.

Call your Port Angeles agent Matt Elwood at 360-452-9200 to schedule a no obligation consultation and homeowner's insurance quote.

Want more information? Please visit Matt Elwood - Allstate Insurance to get more information on the Allstate products and services I can offer in Port Angeles, Sequim or anywhere Washington State.