Tag Archives: Grange Insurance

Don’t Get Burned By Insurance Claims This Summer

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Grange Insurance offers tips to have fun and stay safe

School is out for the summer, and for many, that means vacations, cookouts and pool parties. Summer is fun, but its activities can also lead to unnecessary and expensive claims if families do not take the right precautions.

Columbus, Ohio-based Grange Insurance offers tips to help families have fun, stay safe and avoid claims that could become financial inconveniences.

 

1. Prepare your house for ‘vacation mode.’   Security Alarm

Families should prepare their homes for ‘vacation mode’ if they’re planning to be gone for an extended period of time.

“Turn off the valve on the washing machine, check the back-up battery on the sump pump and put high-end electronics on a storm surge protector in case bad weather should occur that might lead to flooding or fires in the home while homeowners are away,” advises Ken Kozek, vice president of claims for Grange Insurance.

Kozek also advises families leaving town to have a trusted neighbor check the home periodically, alert the local police to increase neighbor check the home periodically, alert the local police to increase neighborhood watch, put lights on a timer, and stop mail and newspaper delivery.

 

2. Don’t be a target for theft.   Theft

Homes are a target for theft when homeowners are away, but thefts can occur just as easily when homeowners are home.

“Summer is open-window season for houses and cars and open-door season for the garage, so be mindful of your personal belongings,” adds Kozek. “If you’re going to leave windows or doors open, keep things like wallets, cell phones, golf clubs and jewelry out of sight.”

 

3. Be safe around water.   Swimming Pool

“Swimming is a great summer activity, but water can also be very dangerous if you’re not careful,” said Kozek. “Families should take precautions when it comes to activities that include water and keep an eye on kids at all times to avoid drowning.”

Kozek also advises families with pools to install a fence around the premise to prevent unwanted swimmers who, if injured, could become a liability for the homeowner.

“Homeowners should also consider installing motion-activated alarms around the pool that will sound an alert if someone falls in,” adds Kozek.

 

4. Don’t play with fire.   Fireworks

Fireworks are enjoyable and fun to watch, but they can also lead to serious injury, especially to children. They’re also a leading cause of summer house fires. Grange Insurance urges families to stay safe and leave fireworks to the professionals this summer.

 

5. Know your coverage options when you’re away from home.   summer_vacation

Grange Insurance encourages families to contact their independent agent before renting cars, boats or vacation homes this summer.

“Families should be aware of what their coverage options are before they leave for vacation,” said Kozek. “Additional coverage might be needed when renting cars, boats or homes, but in some cases, current auto and homeowner policies might provide all the coverage that is needed. Your independent agent is a great resource to help make sure you’re covered for any situation, and they can help you save money by avoiding potentially unnecessary rental charges too.”

 

For more information about staying safe and saving money this summer, visit www.grangeinsurance.com or call the Reno Agency today at 269.792.2232.

 

About Grange

Grange Insurance, with $2 billion in assets and more than $1 billion in annual revenue, is an insurance provider founded in 1935 and based in Columbus, Ohio. Through its network of independent agents, Grange offers auto, home, life and business insurance protection. The company and its affiliates serve policyholders in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin. For more information, visit www.grangeinsurance.com.

Grange Insurance Now Offering Self-Service Claim Option

We want to share a new enhanced feature with you!

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Grange Insurance is offering a new self-service option for reporting and following up with policyholders claims. This option will allow policyholders to quickly connect with the adjuster(s) handling their claim by simply knowing their policy number or claim number.

 

When Grange policyholders call the Claims Loss Reporting Toll Free number 800.445.3030, they will be greeted with two new options to quickly direct policyholders to the appropriate person:

Option 1 – To Report a NEW Claim

– Your call will be routed to an experienced Loss Reporting representative.

 

Option 2 – For Questions Regarding an EXISTING Claim

– Enter your policy number or claim number

– Listen carefully to the claim adjuster assigned to the claim, make a selection and have your call routed directly to that claims adjuster.

Don’t Fear Your Insurance Company When Disaster Strikes

Grange Insurance Hi Res VersionWith storm season here, Grange Insurance reminds families independent agents are here to help.

Spring weather means dusting off your sandals and gardening equipment, and spending more time outside enjoying the sunshine. But for many in the Midwest, it also means the beginning of a harsher weather forecast – tornado season.

Those who have the potential to face a tornado this spring need to be prepared so they can ensure their own safety, their family’s safety, and the safety of their finances and personal property. Columbus, Ohio-based Grange Insurance offers tips to prepare for and get through the worst should a tornado hit.

 

1. Prepare a plan, and practice together.

Develop a tornado plan, and hold regular drills so your family is ready in the event of severe weather.

“Know a safe place where you can take shelter away from windows,” said John Ammendola, president of personal lines, Grange Insurance. “Store supplies in that area, such as flashlights, a radio, protective coverings, non-perishable food items and batteries.”

As a final part of the plan, make sure to designate a family meeting spot where all should gather after the storm in case of separation.

 

2. Call your independent agent as soon as possible.

The first thing on your mind is likely the safety of your family. Once you’ve made sure everyone is safe, call your independent agent. Be sure to have your policy number and details regarding the damage ready when you call.

“Though it may be a difficult moment, your independent agent is there to help and make sure that you get the proper claim reimbursement from the damage caused during the storm,” said Ammendola. “When you speak with your agent, work with him or her to make a list of all the damaged items you’ve identified.”

“Following a tornado, salvaging undamaged items will also help protect your property from further damage, once local authorities determine your house is safe to enter,” said Ammendola.

 

3. Communication is a two-way street.

Though your agent is not a medical or law enforcement authority, he or she has experience dealing with natural disasters, and is there to help you through it even before you call.

“We have outpost and claims centers which make it easier to come to you quickly,” said Ammendola. “in the meantime, take advantage of social media sites, such as Twitter or Facebook, if you need help locating missing loved ones or friends.”

According to Ammendola, Grange uses specialized mapping technology to pinpoint where the concentration of damage occurred. The carrier sends alerts to independent agents in the area to contact their policyholders. Often, agents are on-site or have called customers even before the policyholder has had a chance to contact his or her agent.

“It is also important to remember that communication is a two-way street,” said Ammendola. “Just as an independent agent will work quickly to respond to your claims, you should respond to claim inquiries as soon as possible. This will ensure your claim is handled quickly, and the process to rebuild or repair is started immediately.”

 

4. Keep your receipts.

If your house is unlivable following a storm, temporary housing is a must. Depending on your policy, your independent agent may be able to assist you so the burden doesn’t rest on your pockets.

“Keep receipts for all expenses you incur while in temporary housing,” said Ammendola. “Your homeowners and auto insurance policies likely cover the cost of hotel rooms, meals, clothing, auto rental, and personal items, depending on the level of damage. If you’re unsure what your policy covers, now is a good time as any to call your agent to make sure your have the proper level of coverage before a tornado strikes.”

For more information about disaster recovery and claims, visit www.grangeinsurance.com or call your independent agent today.

 

*Don’t forget about the Tornado App brought to you by the American Red Cross. Read about it here in a previous post.

 

About Grange

Grange Insurance, with $2 billion in assets and in excess of $1 billion in annual revenue, is an insurance provider based in Columbus, Ohio. Through its network of independent agents, Grange offers auto, home, life and business insurance protection. Established in 1935, the company and its affiliates serve policyholders in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia and Wisconsin. Fore more information, visit www.grangeinsurance.com.

 

 

Hot Off the Grange Insurance Press: Putting Together the Pieces of your Insurance Policy Puzzle

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Grange Insurance shares steps to reading insurance policies

Columbus, Ohio – According to Punxsutawney Phil, spring is just around the corner. For those of you who live in colder climates, this might be a welcome change. However, this also means that the sometimes volatile weather is right around the corner, making now a good time to review your insurance policy to make sure you have the coverage you need as we approach storm season.

Similar to putting together a 1,000-piece puzzle, reading an insurance policy can seem daunting at first glance. This can make it hard to determine what you’re looking at and how much coverage you have. To cut through the clutter, Grange Insurance offers five tips to quickly understand the pieces of your insurance policy puzzle:

Start with the Declarations Page

The Declarations Page is typically the first page of an insurance policy, but policy holders might also receive this as a standalone document. “The Declarations Page is like the four corners of your puzzle, and it serves as a roadmap for your policy,” says Larry Tamasovich, manager of policy forms and compliance, Grange Insurance.

The Declarations Page includes a list of form numbers that apply to your policy, and it provides basic information such as name and address of the insurance agency, what is insured, for how much, under what circumstances, and for how long. It might also include additions to the policy beyond basic coverage.

Assemble your Policy

Once you’ve reviewed the Declarations Page, you can begin piecing it together. The first step is to identify the policy form numbers on your Declarations Page and match them up with the form numbers of your policy. You should also look for the edition dates of the policy forms shown on the Declarations Page and compare them to the edition dates of the forms received for your policy. This will help you determine if you have a complete, up-to-date policy. If you’re missing anything, contact your independent insurance agent or insurance company.

Identify your Coverage

With the Declarations Page and policy in-hand, you have the proper forms to start filling in the middle pieces of your policy puzzle. Each policy is typically broken out into broad coverage sections identified by titles that include an insuring agreement and an exclusions section. The policy itself should have an index page to make it easier to identify sections within the policy. To identify your coverage, follow these four steps:

1.  Turn to the section in your policy that you want to review, such as homeowners property protection.
2.  Refer to the insuring agreement section to see your broad coverage.
3.  Turn back to your Declarations Page to verify if that coverage applies to your specific policy, what your limit and/or premium is, and if you have a deductible.
4.  Once you’ve determined that this coverage applies to you, refer back to your policy and read the exclusions page for that section to get an understanding of what is not included.

“For example, maybe you’re concerned your basement might flood during the upcoming rainy season,” said Tamasovich. “The insuring agreement will tell you what is covered in your house, but the exclusions section might tell you that floods are not covered unless you have a separate flood policy. If flooding is truly a concern, this would be a red flag to contact your agent about a flood policy to make sure that you have the proper coverage in place to fully protect your home.”

Refer to the Definitions Section

Insurance policies can be loaded with legal language and industry jargon, and that can make the meat of your policy hard to digest at times. Every policy should include a Definitions Section. If ay any time you are unsure of what the policy is stating, refer to the Definitions Section to see if you can find an explanation.

Call your Agent

Even after these steps, your insurance policy may still be overwhelming, says Tamasovich. At that point, it may be time to call your independent agent.

“We’re coming up on the most volatile time of the year in terms of weather, making now a good time to get your ducks in a row before bad weather hits,” said Tamasovich. “If ay any time you’re unsure of what you’re reading or what your coverage is, call your agent. He or she can help explain what’s in your policy, and more importantly, help make sure that you’re appropriately protected for the future.”

For more information about insurance policies and the types of insurance available to you, visit www.GrangeInsurance.com or call your independent agent today.

 

About Grange

Grange Insurance, with $2 billion in assets and in excess of $1 billion in annual revenue, is an insurance provider based in Columbus, Ohio. Through its network of independent agents, Grange offers auto, home, life, and business insurance protection. Established in 1935, the company and its affiliates serve policyholders in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin. For more information, visit www.GrangeInsurance.com.