Frequently Asked Questions
We understand that insurance is a tricky business and that each person has their own set of questions unique to them. This is why we have created a Frequently Asked Questions for our clients so that they can worry less about their insurance, and enjoy their life more!
What does Water/Sewer Backup cover on my home insurance policy?
While insurance plans may vary, the following typically apply to water/sewer backup:
Water that backs up through sewers or drains as long as it originates on premises (toilet overflows, drain backups). It does NOT include:
- Flooding – surface water entering the house.
- Overflow originating off premises – sewer line breaking in the street and causing water flow over the surface into the house. (Can we link to the Water or Sewer Line Coverage page?).
- Sub-surface water – an example is a swimming pool or sprinkler system leaks underground causing water to seep through the foundation.
What do I do after a car accident?
- Make sure no one is injured. Stay calm and be polite.
- Exchange insurance information: name, address, phone number, insurance company, policy number, driver’s license number and license plate.
- Photograph and document the accident. User your camera/phone to document damage to all vehicles and the general area. Write down basic details of the accident.
- File an accident report. Although law enforcement may not respond, call in an accident report.
- Know what your insurance covers. Do you need a rental car? Towing? Do you have full coverage?
- Call your insurance agent – North Town Insurance 509/483-3030!
What does my credit history have to do with insurance?
Ninety-two percent of insurance companies use credit information when underwriting new policies.
Financial history is used to help classify an insured according to their potential risk. Studies have shown a strong correlation between a client’s financial history and their future insurance loss potential. Therefore, insuring companies believe the use of credit helps to underwrite an applicant at a cost that reflects their possible risk.
What do I do if a neighbor’s tree looks unhealthy?
Document, document, document.
If a healthy tree falls (due to weather, etc), it is not the responsibility of the neighbor because it was unpredictable. Your home insurance policy will be primary. The insurance company is in the business of “making us whole” and will act because you have the insurance on your home.
If an unhealthy/unmaintained tree falls, your policy will still cover so that you are “made whole”. However, they will investigate the situation and possibly subrogate to the neighbor’s policy. This is where documentation comes in! There needs to be evidence that the tree was unhealthy/unmaintained and the neighbor was notified of the same. Pictures, letters, notices are helpful.
The home insurance company will investigate during the course of the claim.