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Vacant Home Insurance

  Do you really need insurance coverage on a home or property that is not occupied or completely vacant?  In the last few years, vacancies – both residential and commercial – have increased, and that spells trouble. As the number of vacancies increase, so does damage from fires, break-ins, and vandalism.  These types of damages can either be a minor nuisance or they can be a very hard hit to your pocket book- especially if you plan on selling your home and have just completed renovations with upgrades. Here are some of the most common vacant building insurance claims: Someone trips and falls in my driveway or home that came to look at the property to purchase A child wanders into the backyard and drowns in the pool or falls into an empty pool and is severely injured Water damage from a burst pipe that can buckle the ceiling or rot the walls and floor Storm damage to a roof and siding Pest problems or infestations that go unnoticed as the property is vacant Vandalism and theft If you have a loan on the property, this type of insurance is normally required.  Most homeowner policies have a limit on how long the property can be vacant before they are no longer valid for claims should any of the above possibilities occur. Vacant home insurance policies are often written for much shorter time frames than a traditional policy.  There are 3 month, 6 month and 9 month terms available based on the reason for vacancy.  Some carriers offer extensions of a month or two. There are also carriers that will...

An Ounce of Insurance is Worth a Pound of Gun Powder

      Last year, in the midst of selling my house, I left the keys with a friend and flew off on a business trip to Dallas. It was only for the weekend, and after all, I knew I could trust that Alfred would watch after the place and take care of Snowy, my 140-pound Canadian shepherd. Though gentle as a lamb, her size and ferocious appearance would surely be enough to scare off any intruders. That was when the weekend reality came tumbling down on my head, like a  rooftop full of snow on an April morning. I had just landed and navigated the airport parking lot when my cell phone chirped to life. It was Alfred. “Man, am I glad you’re back! Some guys have got your house!” I perked up, imaginary dollar signs filling the windscreen as I pointed my Sorento homewards. “That’s great news,” I said. “How much did they offer?” “No, no, no. You don’t get it. They got inside somehow, took down the for-sale sign, put their names on the mailbox and made themselves at home.” “What, how, when did this happen? What about Snowy?” “They know the house has been on the market for over a month, so they decided to make their move. Snowy is OK with it; she’s found new friends.” “So much for the Last of the Great Watchdogs. Well, did you at least call the cops?” “Yes,” my friend said, “but the guys inside claimed it was their house, and I couldn’t prove it wasn’t.” I rested my forehead in my palm, while managing to keep one...

What not to do after a Car Wreck

Caught in an Accident? Avoid doing any of the following mistakes so you can keep yourself out of anymore trouble.   Don’t try to keep it all in your head.   It’s easy to forget small details, to miss them if you’re not careful at the scene. Grab pen and paper and start scribbling away. No matter how busy you are, it’s worth the few minutes to take notes.   Avoid apologizing or accepting responsibility for the injury/damage.   You might very well have caused it, but when it comes to admitting guilt, let your insurance companies handle that part. I don’t admit that the floor might be slick or the claimant and any witnesses will hear that as an admission of guilt, and may even testify to that effect in court. There goes your case.   Never assure anyone that you are going to “take care of” anything.   You don’t want to assume responsibility or liability. If you are truly liable and the claimant is entitled to receive compensation for damages or injury, your insurance adjuster will take care of letting that party know. It’s natural to want to be helpful; it’s also natural to offer sympathy or an apology if someone is suffering pain or injury. This must be avoided where insurance claims are concerned. Refer them to your insurance company.     Do call your agent!   They might be helpful in the emergency.  You can audit your coverage and re-evaluate. Your agent might not be giving you the most competitive rates because of his company rules. Make sure you get...

Oferta de trabajo de ventas.

Buscamos un vendedor bilingüe para vender seguros a propietarios y pequeños negocios a latinos a lo largo de los Estados Unidos. Se proporciona capacitación y el trabajo cuenta con  salario más comisión. Experiencia no necesaria, la compañía ofrece capacitación en seguros. Los candidatos exitosos deben ser enérgicos, de mente abierta y tener motivaciones para el éxito. El pago empieza en $10 por hora más comisiones. Si estás interesado por favor toma el test abajo y te enviaremos un mail, no se considerará para entrevista sin haber tomado el test.   Prueba ahora...

Servicio al cliente

Buscamos un representante de servicio al cliente en una agencia de seguros nacional Los candidatos exitosos deben ser enérgicos, dispuesto a aprender y con una gran actitud en el trato con los clientes. Deben ser fluidos en español e inglés. El trabajo es de tiempo completo y se encuentra en el centro de Chicago. El pago será de $15 por hora más comisiones. Si estás interesado por favor toma el test abajo y te enviaremos un mail, no se considerará para entrevista sin haber tomado el test.   Prueba...

Customer Service Job

Looking for a customer service representative at a national insurance agency. Qualified candidate will be energetic, willing to learn, and have a great attitude in dealing with customers. Being fluent in Spanish and English will be a must.  Job is full time and located in Downtown Chicago. Pay will be $15 per hour plus commission.  If you are interested, please take the test below and we will email you.  No interviewees will be considered without taking test.   Take Test...

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