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Birmingham, AL 35242

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Featured Birmingham Insurance Brokers Blog

What to Do if a Tree Falls on Your Property and Who’s Responsible?

Dealing with a fallen tree can be stressful, particularly if it damages your home, car, or other property structures. Factors like severe weather, disease, or old age can cause a tree to fall unexpectedly. If this occurs, you might be left wondering who is responsible for the damage and what steps you should take next. At Birmingham Insurance Agency LLC, serving the greater Birmingham, AL area, we aim to help homeowners understand their coverage and responsibilities regarding fallen trees.

Who Bears the Responsibility for the Damage?

The responsibility depends on the location of the tree and the circumstances of its fall. If a healthy tree on your property falls due to a storm, your homeowner’s insurance will likely cover the damage. However, if the tree was already dead or unstable and you neglected to maintain it, your insurance company might deny the claim, citing negligence.

If a tree from your neighbor’s property falls onto yours, their insurance typically won’t cover the damage. Instead, your homeowner’s insurance would handle the claim. However, if you had previously warned your neighbor about their hazardous tree and they failed to address it, their insurance might be held liable.

What Steps Should You Take After a Tree Falls?

Firstly, ensure everyone’s safety and check for any immediate dangers, such as downed power lines. Next, document the damage with photos and contact your insurance company to initiate the claims process. If necessary, hire a professional to remove the tree safely.

At Birmingham Insurance Agency LLC, serving the Birmingham, AL community, we’re here to help you navigate home insurance claims and ensure you have the proper protection in place. Contact us today to review your policy and stay prepared for the unexpected.

Insure New Flooring Materials in Your Home

The new flooring that was installed in your home could become damaged at some point. If a natural disaster or criminal activity results in damage, your home insurance policy may pay for the repair work needed. Use the tips below to assess the flooring and update your home insurance coverage.

Flooring Materials

Some modern floors consist of a top, middle, and base layer. Other floor styles may only feature one or two layers. Assess the flooring materials that were installed in your home.

Consider the value of each material that the floor is made of. You will need to provide a description of the floor when you are ready to insure it. The dimensions and style of the floor should be furnished during this time.

Risks

The new flooring materials will undergo normal wear and tear. This is to be expected. However, flooding, vandalism, or another unexpected event could cause extensive damage.

Assess the risks associated with owning new flooring. If you live in an area that often floods, the flooring materials may become exposed to rising waters at some point. The risk level could influence how much insurance coverage you need for the new flooring materials.

Protection

Seek some ways to protect the flooring. The use of floor mats will prevent the floors from becoming scuffed. Avoid placing heavy, sharp items on top of the flooring materials. If flooding is a big concern, have your property’s drainage materials inspected. Replace any drainage materials that are damaged.

Contact Birmingham Insurance Agency LLC

Contact an agent who serves Birmingham, AL. Our representatives of Birmingham Insurance Agency LLC provide our customers with solid insurance advice.

Tips for Creating the Perfect Summer Home

Homeowners in Birmingham, AL and the surrounding area are infamous for their outdoor lifestyle. At the Birmingham Insurance Agency LLC, we take pride in providing home insurance that offers the peace of mind to allow homeowners to spend more time relaxing and less time worrying.

So go ahead and enjoy your summer. And in the event of something happening to your home, you can count on the Birmingham Insurance Agency to be there when you need us most. For most of us, home is not only our greatest investment, but it is also where we spend most of our time, making memories, raising families, and creating history. Summertime also means time to make our homes summer ready.

Creating Your Summer Home

With a few easy steps, you can prepare and help create your perfect summer home. Here are a few tips to get you started.

Open It Up

Now is a good time to declutter, create more open space in your main rooms, and let more light into your home. This will not only invite the feeling of summer in, but it is also practical for dealing with the added foot traffic associated with summer.

AC Check

Alabama summers at their peak can get very hot. Make sure you do your AC checks now, and if your unit needs service, now is not the time to procrastinate.

Emergency Kit

This is also a good time of year to replenish and make sure your emergency and first aid kits are ready to go. Extra batteries, flashlights, battery-powered radio, first aid supplies… check.

Be Prepared and Protected for Summer

At the Birmingham Insurance Agency LLC, we are here to help families and homeowners across the Birmingham, AL area protect their homes. Go ahead and get your home prepared for summer, and contact us today to have your home protected too.

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