As a policyholder, you have the responsibility to know what is in your policy. This includes the general information about what is or isn’t covered by the policy, coverage limitations, and so on. Sometimes, things change as part of a renewal, making an annual review of your policy a good idea.


While appraisals are an effective way to establish the needed coverage amount for your property, there may be other factors that influence how much coverage you need. Consulting with an independent insurance agent will help you find the best solution at the best value for your unique situation.


Should a loss occur, there are certain things that you need to do so your claim can be processed. These items include tasks like protecting your property from additional loss (like placing a tarp over a hole in the roof), choosing from a list of preferred contractors, keeping contact information up to date, and reviewing ownership changes. Staying current on your responsibilities will ensure everything is processed properly when you file a claim.


Most insurance policies include exclusions within the policy.  These exclusions are often overlooked by policyholders however looking for exclusions is an absolute must.  At Pike Mutual, we don’t want there to be any unpleasant surprises when you file a claim. Exclusions tell you what is not covered by your policy, and reviewing this information will ensure you know about these restrictions in advance.

By routinely reviewing your insurance policy, you will know for certain whether you have adequate coverage in the event of a loss. You can make any needed adjustments to your policy, and avoid misunderstandings should you ever need to file a claim. All those benefits are well worth the effort!