What is broad form collision and can I choose something different?
Broad form collision allows you to not have to pay your deductible if you are not deemed at fault in an accident. There are also options to choose “regular” and “limited”. These options should be discussed with your agent.
Generally, you will file your claim directly with the insurance carrier you purchase a policy through. We can help facilitate that and help along the way with communication between you and the insurance company. We’re in this with you!
What if I already have another insurance agent?Eric Fisher2022-02-08T17:49:29-05:00
That’s okay! You can still get insurance quotes from Outdoor AdvINSURE and leverage our expertise anytime. If we can do a better job, great! If not, at least you know your agent is working hard for you. Outdoor AdvINSURE is a full service “digital-first” insurance agency, meaning we fully leverage technology to make the insurance experience better. If you want to take advantage of our Automatic Savings Program, and our streamlined self-service technology, we’d be happy to become your agent.
Will turning in a claim automatically increase my insurance?Eric Fisher2022-02-08T17:49:29-05:00
Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity. It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense. However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice. Reach out to one of our agents today to discuss your specific situation and get recommendations.
What is an adjuster?Eric Fisher2022-02-08T17:49:29-05:00
An adjuster is a representative of the insurance company that helps settle a claim. They are not employed by Outdoor AdvINSURE. Outdoor AdvINSURE does not settle claims as this is done by the adjuster. However, we will assist in making sure a covered claim is paid fairly and promptly.
What is scheduling?Eric Fisher2022-02-08T17:49:29-05:00
Scheduling involves placing specific items with a specific value on your homeowners insurance. It can also be called an “Inland Marine” policy. This allows coverage for items that may be leaving your premises and would then be lost or stolen. They can also be set at specific deductibles. The most common items to schedule are jewelry, bikes, cameras and fine arts.
What is the difference between “replacement cost” and “market value”?Eric Fisher2022-02-08T17:49:29-05:00
Replacement cost is the amount it costs to rebuild a home or structure. This amount can also include demolition. This value can be significantly different than an appraisal. That’s because the cost of materials to rebuild can exceed a home or structure’s market value. When insuring a home or structure the insurance company needs to know the replacement cost. There are tools that our agents use to help approximate this value.
DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details regarding terms, conditions, coverages, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording, details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable.