Do you need flood insurance? Any home or business can be damaged by water incursions, even those located in a low to moderate flood risk area. If you have concerns about the possibility of flooding due to storm conditions, rising water, fast melting snow, mud, or other situation, putting flood insurance in place could, in the end, could save you thousands, tens of thousands, or more.
At Dave Turley Insurance Agency in Thousand Oaks, California, our local agents are here to help homeowners and business owners stay protected from flood damage to a property.
How Does Flood Insurance Work?
Many people have been shocked to discover that their homeowners’ insurance policy does not cover flood damage. Lenders require those who have a home in a high-risk flood zone to carry flood insurance. If your home is in the moderate to low-risk area, this coverage is likely optional – you make that decision yourself. The cost of coverage varies, depending upon where your home is located. Generally, if your home is in a low to moderate risk area, flood insurance coverage will be extremely affordable. It is worth getting the facts about this coverage – and our friendly local agents at Dave Turley Insurance Agency can help.
Why You Need Flood Insurance
Your homeowners’ insurance policy, in most cases, covers only specific certain weather-related damage, such as a case in which a falling limb damages the roof of your home and rainwater enters the structure, causing further damage. It does not cover water that enters your home by ground. You may believe your home is safe. About 20 percent of flood insurance claims come from lower risk areas – and homeowners who HAD policies in place. The average claim was in the range of $30,000.
Types of Flood Insurance
One of our agents can help you with what type of flood insurance you should have in place. You cannot purchase federal flood insurance without help from an agent – and all of us live and work right here in your community, and are always available to answer your questions or concerns. To determine how much flood insurance coverage you need, take these steps:
No matter where you live – assume your home is in a flood zone, and that you need coverage. There are a few private companies that may have policies available. Our team at Dave Turley Insurance Agency can help you find the right policy, and we always search for the most affordable price. Contact us for more information about flood insurance. We can help
In a majority of cases, hitting an animal while driving is unavoidable. As upsetting as this event can be, it is also capable of causing substantial damage to your vehicle, particularly if the animal is large. Deer related accidents are common in rural areas, with the average repair from these accidents exceeding $3,300.
At Dave Turley Insurance Agency we recommend that our clients review their auto insurance policy with one of our local agents so that the policy covers the eventuality of striking an animal on the road. As our agents live in Thousand Oaks and are familiar with California accident statistics regarding animal related damages, they can recommend the right type and level of auto insurance coverage to protect your vehicle.
What Does Comprehensive Car Insurance Cover?
Your auto insurance will cover these types of accidents under your comprehensive coverage limits, rather than your collision coverage. Comprehensive car insurance covers all damage to vehicles not related to an actual collision with another vehicle. Some perils covered by this section of your auto insurance policy are:
Comprehensive car insurance covers damages, minus the deductible, for animal related causes. Typically, a single claim based on hitting a deer or other animal will not result in an increase of rates. Dave Turley Insurance Agency can assist you to ensure you have adequate coverage to protect against a collision with a deer or another large animal while driving.
What To Do if You Hit an Animal
If you are involved in an animal-related accident, pull over and check to ensure that you and any passengers have not sustained any injuries. If the animal is alive, be cautious as it is likely terrified and could become dangerous. Report the accident to the police immediately. In many jurisdictions in California, hitting a domestic animal requires that police are notified.
Document the damage to the vehicle with photos. Be sure to get any witnesses to provide their contact information. Assess the condition of your vehicle to ensure it is safe to drive and if you are uncertain, have it towed. Call your auto insurance company to report the accident to file a damage claim. One of our agents will be happy to guide you if you need any help with this process.
Comprehensive Coverage Limitations
Should you file a claim, your policy will pay up to the maximum limit on your auto insurance policy. Hitting a deer or large animal often results in thousands of dollars in damages. A review your policy limits with one of our agents at Dave Turley Insurance Agency will give you peace of mind that have sufficient coverage to protect you if you are involved in an animal related accident.
Arrange a Policy Review
If you don’t currently have comprehensive car insurance, one of our agents will be happy to review your policy coverages and find you the best auto insurance coverage to provides the protection you need. Our agents live and work in Thousand Oaks and drive the same roads that you do. We know how unsettling it is to be involved in any type of accident, whether it is related to hitting an animal or another vehicle. Our job is to ensure that our clients have the coverage they need, and at the most affordable rates.