California Insurance Guru

Insurance companies are closely watching the fires and high winds in Southern California.  Currently, there are three major fires, they are known as the Tea Incident, Sayre and Freeway Complex blazes.

Orange, Los Angeles, Santa Barbara, Riverside and San Bernardino counties are the areas that have been affected. [Read the rest of this entry…]

Insurance companies are closely watching the fires and high winds in Southern California.  Currently, there are three major fires, they are known as the Tea Incident, Sayre and Freeway Complex blazes.

Orange, Los Angeles, Santa Barbara, Riverside and San Bernardino counties are the areas that have been affected.

Most major insurance catastrophe teams have been put on alert to respond quickly to their customers who have experienced a loss.  Some companies have mobile claim units in given areas.

Most reporting centers are prepared to take claims 24 hours a day, 7 days a week.

Be sure to contact your agent or a claims representative if you have a loss.  It is critical that a claim is received quickly.

Your insurance company will provide important information in the event of a loss.

If you have any questions or comments contact your insurance agent or this author.

• Identity fraud occurs when someone uses the personal information of another without their consent.
• Identity fraud is becoming more common and continues to increase.
• Nearly 10 million people in the United States are affected annually.
• Personal records were either stolen, lost or compromised in the millions in 2005. [Read the rest of this entry…]

• Identity fraud occurs when someone uses the personal information of another without their consent.
• Identity fraud is becoming more common and continues to increase.
• Nearly 10 million people in the United States are affected annually.
• Personal records were either stolen, lost or compromised in the millions in 2005.
• The Federal Trade Commission states that Identity fraud was the number-one complaint over the past five years.

If Identity fraud occurs to you close all accounts and alert all creditors.  You will need to secure all documents and file a police report.  The process is not fun.

Protect youself and family, be alert and protect your private information.

Ask your agent if you have Identity Fraud Expense coverage on your home policy.

Don’t be a victim of identity fraud!

If you have any questions or suggestions contact your agent or this author.

• Have your vehicle serviced regularly:

Tune-ups improve performance and gas mileage.

• Ease up on the gas and brake pedals: [Read the rest of this entry…]

• Helmet

I don’t care if you’re riding on the street or taking a trip across the country, the helmet is an essential item needed if you plan on riding your bike.  The helmet will also help with wind noise and road debris. [Read the rest of this entry…]

 As you know, wild fires happen every year.  Below I list a few pointers that you need to apply in order to protect your home. [Read the rest of this entry…]

As you know, wild fires happen every year.  Below I list a few pointers that you need to apply in order to protect your home.

• Remove dead vegetation from around your home.

• Clear areas between trees and shrubs near your home.

• Create separations between plants on the ground and low-hanging tree branches.

• Maintain a defensible space zone around your home that extends at least 30 feet from your home.

Make sure your address is visable to locate your home.  Keep rain gutters, decks, porches and roofs free of leaves, needles and other debris.

If you have any questions contact this author.

The agent will need current copies of your registration.  Most insurance companies require that the registration be in your name, some companies will allow the the vehicle registered to someone else.  If your car is registered to someone else there are companies that will insure you.  They will want to either rate that person on your policy or exclude them. [Read the rest of this entry…]