How To Deal With a Fallen Tree

How to deal with a fallen tree in Auburn, WANeighbors are great! You can count on them to keep an eye on your place while you’re away, let out a furry friend or even borrow some last minute ingredients! Shoot, some of your neighbors are probably some of your closest friends. But having neighbors can sometimes cause some uncomfortable exchanges.

With spring on the way, often high winds occur when the cold air and warmer air mix together. This, mixed with sometimes wet soil can bring a vulnerable tree toppling down. So, what happens when YOUR tree drops down onto your neighbor’s house, car, fence or other property? Who is liable for that and which insurance company should you call?

Well, the answer is most of the time quite simple. Whoever owns the damaged property is responsible to get the damage repaired – not the owner of the tree.

Let’s look at some specific examples:

Your tree falls onto your neighbor’s house:  Neighbor responsible to mitigate damages and call their own insurance company.

Your neighbor’s tree falls on your car: You should call your insurance company.

Now, proving any sort of negligence on the part of the tree owner is exceedingly rare. Trees die but can remain strong and standing for many years. If you or your neighbor has a tree that has died and you’re worried about it, you should call out an arborist. If the tree is the neighbors, have a conversation about the risks it poses and potential harm it could cause if it fell. Perhaps this will remedy the problem.

It is our goal at Head and Malesis Insurance to provide you with the service you deserve and the knowledge you expect. Head and Malesis Insurance has been providing Washingtonians with insurance options for 30 years! We value each of our clients and want to do everything we can to exceed your expectations. We are here to answer your questions, address your concerns, advise you when needed and provide you with an overall, positive insurance experience. If you want to discuss your home, auto or other insurance needs, please feel free to call our agents or visit us online on our insurance website. We also provide life insurance.

Two Ways to Construct a List

How to Keep a Home Inventory Checklist in Auburn, WAFor most of us, we won’t have to experience a disastrous home loss such as a flood, fire, earthquake or other disaster. That doesn’t mean any of us should be less prepared for such an event should one occur. Preparing a home inventory can be a large task, but taking the time to do so can make a difference of thousands of dollars when it comes to your claims settlement as well as simple ease of processing your claim.

For many of us, where we live symbolizes us and what is in that house symbolizes our lives. Our belongings represent our memories, personal style and even investments that hold significant value such as art.  When you add up how much all of your personal items are worth, it can be a substantial figure into the many 10s of thousands of dollars or more.

Home insurance claims from disasters such as flood or fire are traumatic. A home inventory checklist can help you remember quickly what items you had. Would you recall exactly how many pairs of jeans you had and what brand they were? Would you recall how many pairs of shoes you had or what brands they were? What about art? Could you recall the name of the artist and how much you paid for it?

Taking the time to inventory your home can be useful in the event of theft or damage to the contents of your home. Keep track of your items with this easy to use chart! You can even attach photos of your items and quickly send this chart to your insurance agent to help speed up the claims process. Another way to document is with a thorough video or video series. Be sure to store your home inventory checklist in a safe place like in the cloud.

The good news is your insurance agent likely gave you sufficient coverage for your personal property. If you feel like you need more, be sure to tell your agent. Home, renters and condo insurance policies typically come standard with this coverage.

It is our goal at Head and Malesis Insurance to provide you with the service you deserve and the knowledge you expect. Head and Malesis Insurance has been providing Washingtonians with insurance options for 30 years! We value each of our clients and want to do everything we can to exceed your expectations. We are here to answer your questions, address your concerns, advise you when needed and provide you with an overall, positive insurance experience. If you want to discuss your home, auto or other insurance needs, please feel free to call our agents or visit us online on our insurance website. We also provide life insurance.

Winter Weather Driving Tips

How to Drive Safely in the Snow & Ice in Auburn, WAIt’s important for every driver to know how to drive in winter weather conditions. It can be challenging to drive in these conditions, but with the knowledge of the information below, you’ll know how to stay safe on the road.

  • Be sure your car has plenty of antifreeze. You do not want to run out while driving in poor weather conditions.
  • Make sure your windshield wipers are in good condition and that your wiper fluid remains full. Dirty roads can cover a windshield with dirt quickly impacting your visibility.
  • Keep control of your vehicle by not using your cruise control settings.
  • Pack the essentials in your car in case you get stuck. A flashlight, roadside visibility reflectors, a snow brush and ice scraper, jumper cables and a bag of sand to help with traction are all key items that can help you deal with winter weather.
  • Always check the road conditions before you leave on your trip. Once you know the weather conditions, be sure to leave earlier so you don’t have to feel rushed. Giving yourself the extra time allows you to drive at an appropriate and safe speed.
  • Brake appropriately on slippery surfaces. If you start to skid, take your foot off the accelerator until you regain traction. Many people want to slam on the brakes when they notice their car starting to skid.
  • Give yourself more distance between the car ahead of you. When the weather conditions are poor, you will need more space between the car ahead of you to stop.
  • Know where to be extra cautious. Bridges, ramps, overpasses and shaded areas are likely to freeze first and can be extra slick.
  • To defrost your car, turn on your front and rear defrosters. Don’t use your windshield wipers. Once your car has warmed up slightly, use your plastic ice scrapers.

Knowledge is the first step to becoming a safe driver. Having the awareness and driving skills can help you stay safe in less than optimal weather conditions.

It is our goal at Head and Malesis Insurance to provide you with the service you deserve and the knowledge you expect. Head and Malesis Insurance has been providing Washingtonians with insurance options for 30 years! We value each of our clients and want to do everything we can to exceed your expectations. We are here to answer your questions, address your concerns, advise you when needed and provide you with an overall, positive insurance experience. If you want to discuss your home, auto or other insurance needs, please feel free to call our agents or visit us online on our insurance website. We also provide life insurance.