Testimonial to their service

Hi Brandon!


Glad to respond. We were very grateful for and impressed by the quick and thorough response we had after Elizabeth's accident.

Here are my responses to your questions:

1. How satisfied were you with the professionalism and level of communication your received from Insure Pro? 10

2. How satisfied were you with the insurance company and adjuster you dealt with? 10

3. How satisfied were you with the speed with which your claim was resolved? 10

4. How satisfied were you with answers you received to your questions? 10

5. Is there anything we could have done better to improve your claims experience? No, your attention was prompt and very reassuring. We appreciate your help!

Thanks again for everything!

Bonnie Nelson

The Hunger Games - Client Appreciation Event

Come join us at our client appreciation event for opening night of Hunger Games.  Click here for more details and to register: http://www.insureproins.com/content/clientevent.aspx.

Seats are limited and are filling up quickly so register now!  We actually filled up our original theater due to the overwhelming response, and decide to buy another theater, so sign up fast!

If you currently are not a client contact us today to see why we are different, and why we should be your family or business insurance agents!  801-505-9960

Utah: Preparedness Now

Many of us are not prepared for a big earthquake, and this may have you re-thinking.  Also many people don't realize they don't have adequate insurance coverage for a devastating earthquake like this in Utah.  Call us if we can be of any assistance to help you review your policy. 

Is your jewelry covered correctly? Valentine's gift...

Valuable articles coverage: a great Valentine's gift

The National Retail federation reported that Americans spent $15.7 billion dollars on Valentine’s Day gifts in 2010. Since Jewelry is one of the most popular gifts for sweethearts, now is the perfect time to think about valuable articles coverage.

According to the FBI, victims of burglary suffer more than $4 billion in lost property annually with an average dollar cost of about $2,000 per incident.  The typical homeowners policy, however, has specific internal limits on jewelry, art and other items. If you have valuable pieces that exceed those limits, you could be in for an unhappy surprise if you become a victim of theft or an accidental loss.  To help prevent coverage shortfalls, insurance companies offers valuable articles coverage to give you multiple options for protecting your most valuable items.

Itemized or scheduled coverage

• Additional classes of property – Additional classes of property are available on a scheduled basis, including jewelry such as wedding rings, stamp and coin collections, musical instruments and others.
• Agreed value and no deductible – With an agreed-upon value for each item of fine art and jewelry and no deductible, the claims experience is straightforward and simple.

Grouped or unscheduled coverage (blanket coverage or limit that covers everything)
Scheduling each item of personal property can be time consuming for you and costly. Grouped coverage is designed to provide you with an affordable and easy alternative. Available for fine arts, including collectables such as figurines and glass with breakage coverage, cameras, furs, jewelry and silverware, it offers blanket coverage for a wide range of perils.

• Easy coverage – Customers can simply increase or decrease the blanket coverage limit as the amount of total property changes without having to modify schedules.
• High limit and low deductible – High limits are available and low deductibles separate from the home policy. 

Contact us today to make sure your jewelry or other high value items are covered correctly on your home owners policy. 

Winterization Tips for Classic Cars

For those classic car owners, it's time to put your cars to sleep for the winter. We've put together some steps to help you do it right. Feel free to pass this information on to anyone who may benefit.


1. Top off your levels.

• Fill your gas tank and add a fuel preservative. The full tank keeps out moisture, and the preservative keeps the gas from breaking down. Take one last drive to circulate the preservative.

• Make sure your antifreeze is fresh and topped off.

• To avoid a nasty sludge in the spring, change the oil

2. Take preventative measures.

• Give your car a good wash and wax to protect the paint. Protect the chrome with wax or paint sealant.

• Over-inflate tires to avoid flat spotting, or jack up the car to take pressure off the tires.

• Put a battery manager on your car.

• To prevent rodents nesting in an engine compartment, try a rodent repellent under the hood. Just remember to remove it before starting up.

• Put down a few moisture pads on the upholstery to absorb moisture and prevent mildew.

• Cover the car with a breathable car cover to prevent corrosion and rust.

3. Re-circulate your oil.

• When a car sits, oil settles into the pan, leaving the engine without lubrication. Disconnect the coil wire and crank the engine over several times. Reconnect the coil wire and you should be good to go.

More information on winterization, along with a wide variety of car care articles can be found on Hagerty Insurance's website. Feel free to call us with any of your insurance needs on your classic cars or toys.
Insure Pro
801-505-9960

Filing an Auto Insurance Claim

5 Steps To Filing Your Auto Insurance Claim

1. Evaluate whether or not you should file a claim: Did you know that just when you call your insurance company with a question about possibly filing a claim it is often recorded on your insurance record? It is important to keep your insurance record clean and one way is deciding whether or not you should file a claim. It doesn’t matter if the accident is your fault or not, you should ask yourself first if you can pay for the damage. Simply put, if you can pay for it yourself without financial hardship, don’t file the claim.

2. Fill out your What to do After an Auto Accident Worksheet: This worksheet, which when you click on the title is provided for print-out, will help you keep track of the information you will need to file your auto insurance claim. It is important to get every detail of the accident documented and to try to find witnesses that would be willing to talk to your insurance company to back-up your story.

3. File the claim ASAP: You will want to file the claim as soon as possible with your insurance company. Even if it is not your fault, your insurance company will handle the claim process as your advocate.

4. Prepare for a possible call from the other insurance company: If there is a dispute between the two parties in the accident, you may get a call from the other driver’s insurance company asking for your version of what happened at the accident scene. If this happens make sure you document everything you say and the name of the customer service agent you talked too.

5. Finally, getting your car fixed: If you had body damage to your vehicle this is when you will finally get it fixed. After your claim is approved, you will likely get a call from your insurance company about sending an insurance adjuster out to assess the damage or asking you to send your car to a pre-approved shop to get it fixed.

Source: 

http://personalinsure.about.com/od/whattoexpect/a/aa071704a.htm

Child Safety seats

Child Safety Seats

If you have children it's important to make sure they are secured properly when you drive with them. They are almost always safer when riding in the back, in a car seat that is appropriate to their age and weight.

Using a car seat correctly can prevent injuries, but wrong usage is very common. Even a small mistake in how the seat is used can cause serious injury in a crash.

Tips to ensure you are using a child car seat correctly

1. Never put an infant in the front seat of a vehicle with a passenger air bag.
2. Route harness straps in lower slots at or below shoulder level.
3. Keep harness straps snug and fasten the clip at armpit level.
4. Make sure the straps lie flat and are not twisted.
5. Dress your baby in clothes that allow the straps to go between the legs. Adjust the straps to allow for the thickness of your child's clothes. Do not use bulky clothes that could increase slack in a crash.
6. To keep your newborn from slouching, pad the sides of the seat and between the child's legs with rolled up up diapers or receiving blankets.
7. Put the car seat carrying handle down when in the car.
8. Infants must ride in the back seat facing the rear of the car. This offers the best protection for your infant's neck.
9. Recline the rear-facing seat at a 45-degree angle. If your child's head flops forward, the seat may not have reclined enough. Tilt the seat back until it is level by wedging firm padding such as a rolled towel, under the front of the base of the seat.
10. All new car seats are now required to come equipped with top tether straps. A tether strap is a belt that is attached to the car seat and bolted to the window ledge or the floor of the car. They give extra protection and keep the car seat from being thrown forward in a crash. Tether kits are also available for most older car seats. Check with the manufacturer to find out how to get a top tether for your seat. Install it according to instructions. The tether strap may help make some seats that are difficult to install fit more tightly.

Do not use a car seat if any of the following apply.

1. It is too old. Look on the label for the date it was made. If made before January 1981, the seat may not meet strict safety standards and its parts are too old to be safe. Some manufacturers recommend using seats for only 6 years.
2. It does not have a label with the date of manufacture and model number. Without these, you cannot check on recalls.
3. It has been in a crash. If so, it may have been weakened and should not be used, even if it looks all right.
4. It does not come with instructions. You the instructions to know how to install and use the car seat properly. Do not rely on the former owner's instructions. Get a copy of the manual from the manufacturer.
5. It has cracks in the frame of the seat.
6. It is missing parts. Used seats often come without important parts. Check with the manufacturer to make sure you can get the right parts.

To find out if your child safety seat has been recalled, you can call the Auto Safety Hotline ( 888-DASH-2-DOT ). If the seat has been recalled, be sure to follow the instructions for the recall or to get the necessary parts. You should also get a registration card for future recall notices from the Hotline.

For more information about infant or toddler car seats, go to the Web site of the Insurance Institute for Highway Safety at (www.highwaysafety.org). Also check out the National SafeKids Campaign (http://www.safekids.org) which offers a free Child Car Seat Locator which allows you to enter your child's age and weight, and get back a list of recommended car seats. Another good source of information on car seats is the American Academy of Pediatrics website (http://www.aap.org/family/), which offers a detailed shopping guide to car seats.

Is your child ready for a regular seat belt?

Keep your child in a car seat for as long as possible. When he or she is big enough, make sure that seat belts in your car fit your child correctly. The shoulder belt should lie across the shoulder, not the neck or throat. The lap belt must be low and flat across the hips, not the stomach. The child's knees should bend easily over the edge of the vehicle seat. Seat belts are made for adults. If the seat belt does not fit your child correctly, he or she should stay in a booster seat until the belt fits.

Never tuck the shoulder belt under the child's arm or behind their back.

Use lap belts only as a last resort. Try to get a lap-shoulder belt installed in your car if it doesn't already have one. If you must use a lap belt, make sure it is worn tight and low on the hips, not across the stomach.

Child Safety Seats

If you have children it's important to make sure they are secured properly when you drive with them. They are almost always safer when riding in the back, in a car seat that is appropriate to their age and weight.

Using a car seat correctly can prevent injuries, but wrong usage is very common. Even a small mistake in how the seat is used can cause serious injury in a crash.

Tips to ensure you are using a child car seat correctly

1. Never put an infant in the front seat of a vehicle with a passenger air bag.
2. Route harness straps in lower slots at or below shoulder level.
3. Keep harness straps snug and fasten the clip at armpit level.
4. Make sure the straps lie flat and are not twisted.
5. Dress your baby in clothes that allow the straps to go between the legs. Adjust the straps to allow for the thickness of your child's clothes. Do not use bulky clothes that could increase slack in a crash.
6. To keep your newborn from slouching, pad the sides of the seat and between the child's legs with rolled up up diapers or receiving blankets.
7. Put the car seat carrying handle down when in the car.
8. Infants must ride in the back seat facing the rear of the car. This offers the best protection for your infant's neck.
9. Recline the rear-facing seat at a 45-degree angle. If your child's head flops forward, the seat may not have reclined enough. Tilt the seat back until it is level by wedging firm padding such as a rolled towel, under the front of the base of the seat.
10. All new car seats are now required to come equipped with top tether straps. A tether strap is a belt that is attached to the car seat and bolted to the window ledge or the floor of the car. They give extra protection and keep the car seat from being thrown forward in a crash. Tether kits are also available for most older car seats. Check with the manufacturer to find out how to get a top tether for your seat. Install it according to instructions. The tether strap may help make some seats that are difficult to install fit more tightly.

Do not use a car seat if any of the following apply.

1. It is too old. Look on the label for the date it was made. If made before January 1981, the seat may not meet strict safety standards and its parts are too old to be safe. Some manufacturers recommend using seats for only 6 years.
2. It does not have a label with the date of manufacture and model number. Without these, you cannot check on recalls.
3. It has been in a crash. If so, it may have been weakened and should not be used, even if it looks all right.
4. It does not come with instructions. You the instructions to know how to install and use the car seat properly. Do not rely on the former owner's instructions. Get a copy of the manual from the manufacturer.
5. It has cracks in the frame of the seat.
6. It is missing parts. Used seats often come without important parts. Check with the manufacturer to make sure you can get the right parts.

To find out if your child safety seat has been recalled, you can call the Auto Safety Hotline ( 888-DASH-2-DOT ). If the seat has been recalled, be sure to follow the instructions for the recall or to get the necessary parts. You should also get a registration card for future recall notices from the Hotline.

For more information about infant or toddler car seats, go to the Web site of the Insurance Institute for Highway Safety at (www.highwaysafety.org). Also check out the National SafeKids Campaign (http://www.safekids.org) which offers a free Child Car Seat Locator which allows you to enter your child's age and weight, and get back a list of recommended car seats. Another good source of information on car seats is the American Academy of Pediatrics website (http://www.aap.org/family/), which offers a detailed shopping guide to car seats.

Is your child ready for a regular seat belt?

Keep your child in a car seat for as long as possible. When he or she is big enough, make sure that seat belts in your car fit your child correctly. The shoulder belt should lie across the shoulder, not the neck or throat. The lap belt must be low and flat across the hips, not the stomach. The child's knees should bend easily over the edge of the vehicle seat. Seat belts are made for adults. If the seat belt does not fit your child correctly, he or she should stay in a booster seat until the belt fits.

Never tuck the shoulder belt under the child's arm or behind their back.

Use lap belts only as a last resort. Try to get a lap-shoulder belt installed in your car if it doesn't already have one. If you must use a lap belt, make sure it is worn tight and low on the hips, not across the stomach.

Health insurance between jobs

Many people go between jobs with no health insurance.  There is a quick, inexpensive, and easy option called Short-term Health Insurance to solve this problem!

Click here to get an instant online quote!  If you decide to apply you can do it online, and just answer a couple health questions and your policy will start automatically.

For a better and less expensive option than COBRA, and a quick and easy option while you're waiting for your new health benefits to start with your new job you should look at short-term health insurance.  This is a great option anytime you need 6-12 months of health coverage that is very affordable and still provides good coverage.

An ideal time to consider short-term health insurance would be:
1. Between jobs
2. Waiting for empoyer benefits to begin (new hire waiting period)
3. Student or recent graduate
4. Without coverage temporarily due to job or life changes
5. Part-time, temporary, or seasonal employee waiting to pick up benefits
6. Retired or waiting for Medicare eligibility
 

Preventing Water Damage in Your Home

The first signs of water damage might seem meaningless: a drip here, a drop there – nothing that can’t be taken care of with a towel.




But warnings like water stains on the ceilings or a leak under the kitchen sink can lead to MAJOR problems like a weakened roof or rotten floorboards. A burst pipe can damage your furniture and other personal possessions, and flooding can very quickly lead to problems with mold.



Why take a chance? Learn where your home is most likely to suffer water damage, and what you can do to help prevent it.



Finding Possible Problems in your HOME



A good place to start when you’re trying to prevent water damage? The kitchen: a place with a whole lot of water.

Look carefully at your major appliances, and make sure they are up to snuff.



The Dishwasher: Periodically check for leaks under the sink where the hose connects to the water supply. Look around the base of the dishwasher for evidence of leaks, such as discolored, warped, or soft flooring materials, or water damage to nearby cabinets.

The Refrigerator: If your refrigerator has an icemaker, make sure the hose connection is securely attached to the water supply line. Also, a wet spot on the floor may be a sign of a crimped icemaker line about to burst.

The Sink: Replace deteriorated caulk around sinks, and check the pipes under the sink for leaks. A slow-draining pipe may indicate a partially blocked drain that needs cleaning.

The Bathroom

The bathroom is another water damage hot spot. Here’s what you should examine and address:





Showers And Bathtubs: Remove and replace deteriorated or cracked caulk and grout. Water from a broken supply pipe behind the wall can leak through these damaged sealants, causing stains or soft areas around nearby walls and floors. Leaking drain pipes and shower pan leaks are also common sources of water damage. If necessary, contact a plumber or contractor for help.

Sinks: Check under the sink for leaks from water supply lines or drainpipes. If necessary, contact a plumber or contractor for help.

Toilets: Clogs can result from too much toilet paper or objects such as hanging bowl deodorants. Also, some chlorine tablet cleaners may corrode internal plastic or rubber parts, leading to a leak. Again, don’t hesitate to call in a professional.

The Basement, Laundry, Or Utility Room

Washing Machine: Check hoses regularly for bulging, cracking, fraying, and leaks around hose ends. Replace the hose if a problem is found or every 3 to 5 years as part of a proactive maintenance program. To help make sure the hose doesn’t kink, leave at least 4 inches (or 11 centimeters) between the water connection and the back of the washing machine. Be sure to read the manufacturer’s installation instructions carefully.

Water Heater: Most water heaters last 8 to 15 years. Wet spots on the floor or a rusted tank may signal a leak. Water heaters should be installed on the lowest level of the home, next to a floor drain, or inside a drain pan piped to the floor drain.

Sump Pump: Battery-operated backup sump pumps can help protect against power failure or failure of the primary pump. Test the sump pump before the start of each wet season. Sump pumps are not intended to last more than 10 years and must have some components replaced or serviced within those 10 years.

Since water may still come through an overflowing drain or cracks in the foundation walls, make sure items stored in the basement are kept off the floor. Furniture should be on casters or shims and arranged away from floor drains.

Spring Newsletter

We wanted to provide some useful and informative information to our clients. Click here to see our Spring Newsletter!

Topics include:

1. SPRING WATER TIPS-8 tips to help prevent spring water damages

2. ACCIDENTS HAPPEN... Learn more about our most popular insurance product

3. COMMUNITY FUNDRAISER-Join us for our 1st Annual Charity BBQ to help support the Children's Miracle Network.

Thanks again,