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Does Home Insurance Cover Roof Damage?

The coverage of a standard homeowner’s insurance of roof damage usually depends on how the damage occurred. Hence, the insurer will cover the damage except if a certain cause has been discarded from your policy. Here are some essential things explained by 5 Star Roofing and Storm Restoration that you should know with regards to home insurance coverage for roof damages.
Roof Damages
Roof damage or loss that is caused by vandalism, fire, and natural disasters like typhoons and tornadoes is usually covered by homeowner’s insurance. Basically, your insurance policy will decide whether your insurer will shoulder the repair or replacement for your …

The Reality of Cannabis Insurance Claims

With the cannabis market gaining fast traction in the commercial world, several related services are cropping up in the market. However, with the future of the industry hanging by a thread, contradictory claims on these services are being raised as well. People started looking for how to get marijuana seeds in USA online and this is available widely.
The Cannabis Insurance Industry
Ever since certain states in the USA have legalised the sale and use of cannabis-related products such as cannabis seeds, cannabis oil, cannabis edibles, and other smoking-related products, there …

Does Insurance Cover Broken Glass Windows?

Windows are some of the main parts of a house. There are many types of window repair pelham al depending on the house design or the owner’s preference. But one thing is common among most windows – they are mostly made of glass. It is understandable given the nice picturesque view a glass window can give. Windows also allow light to pass through and give the house a natural lighting system. Even your car also has glass windows, which enables you to keep the air-conditioning on during a hot day or keep out dust and smoke.
But, glass is fragile. It can crack and be broken due to stress or …

Ways Insurance Companies Use SMS

Using text messaging as a tool to use for insurance companies is a must nowadays. Bulk SMS is deemed better than email messaging since people look at their phones more often than checking their emails. The advantages of using SMS is it helps increase the company’s income, find prospects for the business, and be able to notify the customers about their loans.
Text messaging is also chosen by most customers because it is more convenient to send a message if they have issues regarding their insurance or if they simply need customer service support. Below we have made a list of ways that insurance companies can do to utilize …

Why Does Your Domestic Helper Need Insurance?

Having a household helper is a great aid for families, especially for parents who are both working. These workers help families by doing household chores like house cleaning, preparing family meals, and tending to the needs of children. Apart from the salary that an employer must compensate to the helper, the latter needs insurance coverage. Countries like Hong Kong and Singapore require their citizens who are planning to employ a domestic helper to purchase an insurance plan. Here are the reasons why having an insurance is required for your helper:
Covers medical expenses
Accidents and illnesses can happen to anyone, regardless of the profession …

Mold Contamination Insurance Coverage 101: The Basics

Molds can be found everywhere, and they are naturally part of the environment. They can be found when moisture and oxygen are present. Molds are fungi that are microscopic in nature, and they can be found indoors or outdoors. According the field experts, Mold breaks down and digests organic materials, which is why they are an important part of the environment.
Molds do not usually cause any problems indoors unless water has damaged your property and leads to mold contamination. Mold contamination can also be associated with some health risks like:

Skin Rashes
Stuffy nose
Allergic rhinitis
Red eyes…

Why You Need to Have Life Insurance When Buying a Home

If you have ever looked for a property, you know that finding a dream home is one of the most stressful and chaotic tasks of your life. Weighing between the options, taking care of everyone’s needs, and negotiating for discount plans all take a lot of time and energy. And even if you somehow manage to choose a property, you know that the work has only just begun.
Everyone dreams of having their own home, but they need to go through an appreciable amount of work to get it. And when they get it, they need to make it secure for their loved ones. A home insurance policy secures one’s home from any calamity that might harm the property.
What …

What You Need to Know About Phone Insurance

In this age, almost everything can be insured. There’s the homeowner’s insurance. There’s the car insurance. There’s the business insurance. Unsurprisingly, there’s also phone insurance for something like Phone insurance is usually offered when you buy your phone. Along with the mobile plans, insurance packages for your new phone are available, too.
Why Should You Have Mobile Phone Insurance?
Lost Phones
Phone insurance covers phone loss. If you’re someone who often forgets and loses his phone, then it might a good idea for you to get a phone insurance policy.
Stolen …

How to Sell Life Insurance Online

Selling life insurance online usually requires a number of things and none of which is hassle-free. You must have a decent website to establish yourself as an authority. And the best thing is, it just need you hosting and few other things to start with.
The move to hosting your options online can be easy but also difficult in some situations. It’s usually done with the right clothes for one. Jeans and a white tee won’t cut it. Suits would be the better choice. Then, the location where you sell it can’t be in one place only. See, life insurance isn’t that typical scrumptious burger which people would go out of their ways to buy, even if that means a 30-minute drive or a 45-minute wait in line…

The Best Life Insurance

One can never really judge which Life Insurance is the best among the thousands around the globe. As every person is unique, so as insurance companies and their insurance policies offered.
An insurance policy can also be described and ranked according to different factors such as:

Policy’s Terms and Conditions – Is it easily understandable for a layman? Are all factors and aspects considered in each clause?
Percentage of claims upon payout – How much will your family and home get in case of death?
Exclusions – Are there are any specified types of death?

The exact answer for which one is the …


Having this option means that if you ever want to increase the amount of lump sum payout of your policy in the future, you are eligible to do so without providing current medical status, or simply, no questions asked.

The insurance company will always assess their risk when a client has medical conditions. Being overweight may lead to other more serious cardiovascular diseases or diabetes so that the company may have to adjust the policy terms. You may also undergo a medical examination that ensures that you are perfectly healthy despite your weight. The severity of your asthma may also matter.

If you have just started smoking, the company may encourage you to stop it in order to not compromise your health. If your smoking has already damaged your lungs, then an insurance company will have to assess their risks depending on the severity of the damage and your own management of the addiction.

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