Monthly Archives: September 2024

A Tree Fell On My House. I’m Insured. Now What?

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Trees pose a certain threat during storms or when weakened by disease, potentially falling and causing extensive damage to nearby homes. If you have faced property damages due to a falling tree, your insurance can provide support.

At E.S.T.I.R. Inc., serving Bloomfield, NJ, our team is ready to help. We can walk you through the claims process. Here’s what you need to understand.

Is Damage from a Tree Falling a Covered Event?

Most home insurance policies cover the damages caused by a falling tree. Your policy may also cater for debris removal from your yard as part of the home repair. However, the insurance policy rarely supports the removal of a tree that falls on your property if it doesn’t inflict any damage to your home.

How Can I Make a Claim On My Home Insurance Policy?

If your home suffered damages from a fallen tree, claiming your home insurance policy should be among your initial tasks. Before commencing the repair process, communicate with your agent at E.S.T.I.R. Inc., serving Bloomfield, NJ.

However, in any emergency situation that needs quick attention, like a fire, feel free to prioritize it over speaking with your insurance agent. Please note that if the repair process begins prior to contacting your insurance agent, your insurance company may deny your home repair request.

Do you have queries about repairing your home following tree damage? Don’t hesitate to call us. We’re here to assist.

A Tree Fell On My House. I’m Insured. Now What?

Posted on by

Trees pose a certain threat during storms or when weakened by disease, potentially falling and causing extensive damage to nearby homes. If you have faced property damages due to a falling tree, your insurance can provide support.

At E.S.T.I.R. Inc., serving Bloomfield, NJ, our team is ready to help. We can walk you through the claims process. Here’s what you need to understand.

Is Damage from a Tree Falling a Covered Event?

Most home insurance policies cover the damages caused by a falling tree. Your policy may also cater for debris removal from your yard as part of the home repair. However, the insurance policy rarely supports the removal of a tree that falls on your property if it doesn’t inflict any damage to your home.

How Can I Make a Claim On My Home Insurance Policy?

If your home suffered damages from a fallen tree, claiming your home insurance policy should be among your initial tasks. Before commencing the repair process, communicate with your agent at E.S.T.I.R. Inc., serving Bloomfield, NJ.

However, in any emergency situation that needs quick attention, like a fire, feel free to prioritize it over speaking with your insurance agent. Please note that if the repair process begins prior to contacting your insurance agent, your insurance company may deny your home repair request.

Do you have queries about repairing your home following tree damage? Don’t hesitate to call us. We’re here to assist.

Do I Need More Insurance for an Expensive Car?

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So, you’ve finally bought that high-end car you’ve had your eye on. It stands out on the streets of Bloomfield, NJ due to its luxury and price tag. Now, how do you protect it? With your vehicle being more costly than most, it’s essential to consider beefing up your auto insurance. At E.S.T.I.R. Inc., we can guide you on fine-tuning your coverage for maximum protection.

The Increasing Costs of Repairs

Luxury vehicles come with a heftier price tag when it comes to repairs due to the added amenities they offer. Brands like Mercedes-Benz, BMW, Lexus, and other high-end names offer sedans and SUV models priced well over $100,000. If your preference leans towards Lamborghini, Jaguar, Porsche, and other such manufacturers, be prepared to spend even more. While standard auto insurance policies cover a large portion of these vehicles’ costs, there are parts of your coverage you may want to increase. Foremost, your policy should reimburse you the vehicle’s value immediately before the accident if totaled, deducting the deductible amount. This principle applies to comprehensive, collision, and uninsured/underinsured motorist coverage. It might also be wise to increase bodily liability as owners of high-end vehicles can often become a target for lawsuits.

Luxury Car Insurance Policies

Certain insurers specialize in providing specialized luxury car insurance policies. This can offer particular benefits if your car is custom-made. Luxury car insurance is not a separate category but a tailor-made policy to meet the exceptional needs of your coverage. Some policies even offer gap insurance and umbrella coverage to protect you against depreciation and possible lawsuits if you’re found guilty in an accident.

If you’re uncertain about your luxury car insurance needs and requirements, E.S.T.I.R. Inc. agents are here to help. Reach out to our Bloomfield, NJ office to schedule a consultation and discover the perfect policy for your luxury vehicle.