Storm season

How to Check Your Property for Damage After a Storm

 

When a big storm hits in Roseville, MN or St. Paul, MN, you hunker down inside, relying on your home to protect you and your family. Once that storm passes, though, it’s time to repay the favor — identifying damage and protecting your home from further issues.

 

The National Storm Damage Center has a number of resources and tips for homeowners. Here are four major things we, at Atlas Insurance Brokers – Deleski Agency, recommend you check after a storm:

 

  1. Your roof: If you see holes, split seams or missing shingles on your roof or if you notice leaking inside or out, it’s a good idea to have a qualified inspector come assess the situation.

 

  1. Your exterior: Siding, brick and stucco are all vulnerable to storm damage. You’ll want to look for cracking, chipping or dings and dents in siding, and for holes in stucco. Look closely and at different times of the day. Some homeowners don’t notice damage until it’s too late to file a claim, and different lighting can reveal damage you didn’t see before.

 

  1. Driveways and walkways: Cracking and splitting can create safety hazards, as well as reduce the lifespan of the concrete.

 

  1. Trees: According to the National Storm Damage Center, fallen trees and limbs cause more than $1 billion in damage annually. Check roofs, vehicles, fences and machinery for fallen limbs that may have caused damage or could pose a risk. Clean up what you safely can and rely on a reputable tree removal service to handle the rest. Depending on the circumstances, your homeowners insurance policy may help with tree removal and damage repair costs – if you experience a covered loss, that is.

 

A few more helpful tips:

  • Keep trees well maintained and trimmed. Also notify neighbors if you see any overhanging branches on any of theirs.

 

 

  • Know your insurance. Take a look at your policy so you know what’s covered, what your limits and deductibles are, etc. This will prevent any surprises during the claims process.

  • Take pictures. Photographs can help you show the cause and extent of any storm damage that occurs.

 

Of course, if you’ve suffered through a major storm, don’t hesitate to call us at Atlas Insurance Brokers for help with an insurance claim or with finding a professional property inspector.

Classic Car Show in St. Paul, MN

Make the most of a classic car show

As the weather warms, you’re likely to start seeing announcements for a classic car show in Roseville, MN and Saint Paul, MN. These automotive events are a great way to kick start your weekend or vacation. Classic car shows are held all across the country, from small rural towns to large metropolitan areas, and they draw classic car enthusiasts from near and far.

 

Some people attend classic car shows as spectators to check out unique and rare vehicles. Others go to connect with fellow car buffs or to show off their prized possession. And some attend shows to shop or to sell.

 

Whether you’re planning to shop, sell, show, or just go, here are some tips for making the most of a classic car show.

 

  • Family fun. Larger classic car shows typically feature entertainment, food vendors, raffles and more. Bring the whole family for a day of fun.
  • Plan. Take note of the event schedule, plan before you go, and make sure you’re aware of the hours for check-in.
  • Be the early bird. If you’re entering your automobile in a competition, sign up early. Most are limited to a certain number of entries, and it’s usually first come, first served.
  • Know the value. If you are planning to sell or buy, you must be well versed on the value of the vehicle and the market conditions. Buying or selling a car—especially a classic—can be an emotion-driven experience. Knowing the facts is essential if you are to get the right deal.
  • Need parts? Some larger car shows also feature a swap meet. Before you go, research the show and take note of car accessories and parts you might need.
  • Get some rest. Larger car shows can sprawl for miles upon miles. Make sure you’re rested, hydrated, and fed so you have plenty of energy for a long day of roaming.
  • Pack a bag. Be prepared to get the most out of the day by bringing along what you might need for the weather – from coats to sunscreen – and for your basic needs – from water to snacks.

And most importantly, contact Deleski Insurance Agency at 651-633-0400 to make sure your classic car has the coverage it needs so you can enjoy yourself at the classic car shows.

Winter car accidents

How to Stay Safe After a Winter Car Accident

The days are short. The air is cold. And, roads are often slick with rain, snow or ice.

 

It’s winter driving season in Minneapolis and St. Paul. And, while most people know what to do to try to avoid an accident, many don’t know what to do after one. It’s vital knowledge to have, because the aftermath of a crash can be just as dangerous as the crash itself — especially when it’s cold and snowy.

 

Here are five things to do (or not do) if you’re in an accident this winter to help keep yourself and others safe:

 

  • Make sure everyone’s OK — then get off the road if you can. The safety of everyone involved in a crash is the first concern, of course. So, check on the occupants of each vehicle and call for emergency assistance if it’s needed. Then, if the vehicles are drivable, get them off the road as soon – and as carefully – as possible.

  • Stay in your car if you can’t safely move away. If you can’t get your car off the road, but you can get off the road, wait until there’s no traffic around and then move well out of the way. Otherwise, stay in the car so you’re protected from other vehicles.
  • Stay visible — and warm. Turn on your hazard lights and put up road flares so other vehicles know something is wrong. And, grab your vehicle emergency kit (you have one, right?) for blankets and extra clothing. If you’ve run off the road and you’re still in your car, make sure nothing is blocking your exhaust pipe. Otherwise carbon monoxide may build up.
  • If you’re stranded, stay put. Running off the road in a remote area is scary, but resist the urge to try to walk for help. You risk getting lost, especially during a storm, if you set off on foot.
  • See a crash? Don’t always stop to help. Being a Good Samaritan could cause more problems than it solves. So, if those involved aren’t in immediate danger, call 911 and let the professionals help with medical aid and traffic control.

 

 

It’s not always easy, but keeping a cool head after an accident will do more than help everyone get through a stressful situation — it will help keep everyone safer, too.

 

And, remember, if something does happen on the road this winter, your agent from Deleski Insurance is here to help with your auto accident claim.

Jewelry coverage

 

Have some new jewelry in the house? Protect it!

Ah, Valentine’s Day is near, and love is in the air. Well, love and a few other things, such as chocolates, romantic dinners, candy hearts that say “Be Mine” – and, of course, jewelry.

 

It’s exciting to receive jewelry from a loved one — or to give it as a gift. But if you’re lucky enough to have some new jewelry in your Minnesota home this Valentine’s Day, you should take a few minutes to think about something you probably don’t find exciting or romantic: insurance.

 

Don’t know where to turn? Don’t worry. At Deleski Insurance Agency, we think it is exciting to help our customers protect what’s most important to them — so we’re ready to help and can answer all of your questions.

 

Things to consider when insuring jewelry:

 

You may need to purchase additional coverage. Your homeowners policy covers valuable items such as jewelry only up to set amounts. If the cost of replacing your jewelry exceeds that limit, you will want to purchase scheduled personal property coverage. You can check your policy or give us a call at 651-633-0400.

Do you need an appraisal? You may need to have an independent appraisal if the insurance company requires it or if you don’t know the value of your jewelry. Each item should be listed with a description and value. Color, cut, and clarity is very helpful.

What kind of coverage is offered? You’ll want to determine if items are covered no matter where they are, whether they’re in Minneapolis or St. Paul, or on an international trip, and if the policy offers full replacement cost. You also should ask if you will be required to replace your jewelry if lost or stolen, or if you can simply keep the cash settlement.

Pictures can be helpful. Lost or stolen pieces of jewelry sometimes can be recreated if the jeweler has a good photograph to work from, but the appraisal is always best to have as well.

Should I go with a company that specializes in jewelry insurance? There are companies that specialize in jewelry insurance. Whether you choose one of these, or a company that we represent, you’ll want to make sure they are reputable and stable.

Is the value of your jewelry mainly sentimental? Is an item irreplaceable? If the answer to either of these questions is “yes,” you might consider foregoing insurance. But please, talk to us at 651-633-0400 before making that decision. That’s what we’re here for.

Is is covered if I lose it or a stone falls out? Yes, it is covered, but only if you schedule it separately on your homeowners policy. It is not covered if you lose it without listing it on the policy or “scheduling” it.

 

Of course, it’s important to store your jewelry securely when it’s not in use; a safe in your home or a safe-deposit box is best. We want your jewelry to be replaced if it’s lost or stolen, but we’d rather your sentimental and valuable pieces stay with you and your family for years to come.

 

Here’s hoping your Valentine’s Day is full of fun and romance. And if there’s no jewelry involved, well, there’s always next year! Happy Valentine’s Day Twin Cities!

 

Contact Us!

For further questions and assistance, please contact Deleski Insurance at 651-633-0400.