It is important to know what your policy covers, but also what is not covered. Asking these questions up front will help you avoid any surprises in your coverage.
Maintaining your property can help with avoiding issues that could have been preventable, such as conducting roof checks and removing dead tree limbs.
Once an incident occurs, you should contact your insurance agent to go over your options to better understand the scope of the damage. We even recommend getting a repair estimate prior to filing the claim.
If the monetary value of the loss of property is close to the amount of your deductible, consider paying it instead of filing a claim. This will help you avoid your premium being increased in the future.
Pike Mutual, with their willingness to insure “Preferred Non-Standard” dwellings, has filled a void we had been experiencing in our agency. I define “Preferred Non-Standard” as properties that may not qualify with other carriers’ guidelines, yet they show pride of ownership or average rental property conditions. The underwriters at Pike Mutual are willing to consider most risks that are presented to them with honest, all-inclusive field underwriting. We feel Pike Mutual has strengthened our agency by offering appropriate coverages at an affordable rate for almost all of our "Preferred Non-Standard" business.
I work at Hawkins Insurance Agency in Kensington, Ohio. One of the companies we do business with is
Pike Mutual Insurance Company.
I like working with Pike Mutual because Jim, Julie, Kathy and
the rest of the staff are very responsive to answering questions, whether
it be on a quote I have been working on or questions about an existing
policy. They are very open to discussing our agency ideas and any suggestions we have for them.
I am really excited about the upcoming changes that Pike Mutual has
told us about, especially the downloading of policies. Pike Mutual has
come a long way since I started with Hawkins Insurance Agency 18 years
ago. Keep up the awesome job!