Blog

Click Here for "September Business Insurance Newsletter"

Is your outdoor hot tub covered by insurance?  A client called to inquire about this today.  It’s a good question.  Hot tubs are usually covered subject to deductible but where is often determined by the installation.  Hot tubs are typically covered under your personal property as long as they are not attached to anything (like sitting on a cement slab). It could be covered under other structures if it is attached to decking or a structure, not just sitting on top of it.      When purchasing a hot tub check with your insurance company to confirm coverage and make sure that the coverage amounts you have are still adequate with the addition of a hot tub. You can increase your current coverage for an additional premium. 

Is your outdoor hot tub covered by insurance?  A client called to inquire about this today. 

It’s a good question.  Hot tubs are usually covered subject to deductible but where is often determined by the installation.  Hot tubs are typically covered under your personal property as long as they are not attached to anything (like sitting on a cement slab). It could be covered under other structures if it is attached to decking or a structure, not just sitting on top of it. 

 

 

When purchasing a hot tub check with your insurance company to confirm coverage and make sure that the coverage amounts you have are still adequate with the addition of a hot tub. You can increase your current coverage for an additional premium. 

Are you concerned you might have hail damage from the storm yesterday?

If so, we highly recommend you speak with your agent for recommendations before filing the claim.  This is very important.  You deserve to know how it works, how it affects your claims history, how it may affect your premium, and so on.  Get the facts before filing a claim.

Here are some things to consider:

  • You need to have a trusted roofing company check it out before you go through the claims process.  Let your agent walk you through your options before filing the claim. 
  • We highly recommend that you do not work with a company that comes to your home immediately following a storm.  We are only referring to the companies that walk around your area or neighborhood trying to get your business right after a storm.  You could get locked into a contract and possibly have less negotiating power, like getting dimensional shingles instead of 3 tab shingles. 
  • Look at your plants around the house.  Are flower petals on the ground or hostas damaged?  This could be an indication that the hail was dense enough to cause damage to your car or roof.
  • Do you see dents in your gutters?  This could also be an indication that you may  have hail damage.

If you take anything from this information, have a conversation with your agent before filing the claim.  State that you might have a claim and are just wondering how it works if you do.