FAQ

some of the most common questions about insurance, and thier answers

1. Does Insurance needs change at different stages of life?
2. How do I file a claim?
3. How do I determine if my home is insured correctly?
4. Are you prepared for a disaster situation?
5. Flood Insurance, What does it cover and where can I find out more about it?
6. What is Identity Theft and how do I protect myself?
7. What does my credit history have to do with my getting insurance?
8. Do you have any tips on helping us with insuring our teenage driver?
9. What about Health Insurance for the Uninsurable?
10. Where can I find information about Colorado Insurance Laws and Practices?
11. Do you know of any Internet Links that would help the consumer to learn more about insurance?
12. Do I really need an umbrella policy and what extra protection does it offer?

1. Does Insurance needs change at different stages of life?

   Click on the "Life Stages" tool on the, Insurance Information Institute website.

2. How do I file a claim?

   Most of our companies have direct numbers to their claims department. When you first received your policy or in a separate mailing, most compines will advise you of their direct claims number. This makes the process the easiest and quickest. In one simple phone call, the insurance company will get all the information they need from you, or will address what information the assigned adjuster will still need. They will get your statement of loss so they can quickly proceed with the claim. You will receive phone numbers, claim numbers and names all at once. So why have an agent? So they can help you sort out your questions and help explain coverages, assist you when a claim drags on, or assist you when your not sure you are receiving the best settlement. But never hesitate to give Hallam & Associates a call if you feel uncomfortable about if you should file a claim or if it is a catastophic claim and you need help through the process.

3. How do I determine if my home is insured correctly?

   Great resource for all your questions and and indepentdent research from the Insurance Information Institute

4. Are you prepared for a disaster situation?

   Check out this site for Disaster Preparedness.

5. Flood Insurance, What does it cover and where can I find out more about it?

   National Flood Insurance Program Information Includes a wealth of information on how to insure homes against flooding. This site is the official web page for the Federal Emergency Management Agency.

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6. What is Identity Theft and how do I protect myself?

   Great resource for all your questions

7. What does my credit history have to do with my getting insurance?

    

   • http://www.safeco.com/safeco/for_you_or_your_family/consumer_Tips/credit_score.asp
   • http://travelers.com/spt01portalmain.asp?startpage=/tcom/learn/learnmore.asp

    

8. Do you have any tips on helping us with insuring our teenage driver?

   Check out this great Safeco Insurance Company link

9. What about Health Insurance for the Uninsurable?

   The State Funded Plan, Cover Colorado may be your answer. Check out their web site and then contact Clint Anders in our Montrose office for more information.

10. Where can I find information about Colorado Insurance Laws and Practices?

    Regulatory Agency serving individual consumers and the insurance industry.

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11. Do you know of any Internet Links that would help the consumer to learn more about insurance?

     

    • Rocky Mountain Insurance Information Association

      The Rocky Mountain Insurance Information Association’s full time job is to help consumers, the news media and its partners in safety and loss prevention better understand auto, homeowners and business insurance. This is a great consumer site!

    • Insurance Information Institute

      A non-profit group sponsored by the insurance industry to provide general information about insurance. This is an excellent resource for unbiased information. Order publications at the web site.

     

12. Do I really need an umbrella policy and what extra protection does it offer?

     

    • http://www.safeco.com/safeco/for_you_or_your_family/umbrella/default.asp
    • http://travelers.com/spt01portalmain.asp?startpage=/tcom/learn/learnmore.asp