Home Insurance Getting Cancelled Because of Claims? 3 Tips to Get Your Insurance Back on Track

At the very core insurance is meant to protect you from the unexpected. Sometimes the unexpected events can add up and even the best insurance clients can end up with multiple claims over a short period of time. In today’s insurance market many customers are finding themselves in the position of being cancelled from their current homeowners companies for 1 or more losses in the previous 5-years. Often, these are customers that have been with the same company for a decade or more and may have gone without claims for years. If you find yourselve in this situation rest assured that you do have options to get your insurance back on track.

- Shop Around with an Independent Insurance Agent

An independent insurance agent represents several homeowners insurance companies. By offering a broad array of companies with different criteria an independent agent can match each client with the best company available. Companies all have different underwriting requirements. Some companies will not consider new policies with any prior claims and others may be willing to write new policies with multiple claims. Companies may classify losses diferently. Many companies will not count wind related claims, such as a blown down fence.

- Make your Case

If you are facing cancellation of your home insurance for previous claims, don’t give up. Making your case to your current carrier or a new provider can make the difference. What have you done to mitigate the potential for future losses? If you had a loss because of a burglary and installed a central alarm system to prevent future losses companies are interested in hearing that. Your proactive response to protect your home against future losses can make a difference. A few examples would be:

- Water Damage Caused by Ruptured Water Pipe – Updating or Replacing Plumbing

- Damage Caused By Leak in Roof – Roof Replaced

- Loss Due to Wind Damaged Wood Fence – Mitigated by replacing fence with a cement block wall

- Consider a Higher Deductible Option

A higher deductible option on your insurance can help a company consider writing your insurance with past losses. Especially if you have had losses in the smaller range. Many customers are finding that they can save a considerable amount of money and also prevent future small losses by chosing a higher deductible option such as $1500, $2,500 or even $5,000.

- Crosby and Crosby Can Help

If you are confused on which way to proceed and are facing a cancellation notice because of claims we can help. We represent 11 of the best homeowners companies and have many great options to choose from. Our consultive approach and comparative rating can compare many different companies and coverage options in one easy step. Give us a call today, 661-327-5531, send us an email at agent@crosbyandcrosby.com or complete a live comparative quote below.

Our Insurance Discounts for Bakersfield Teachers Just Got Better

Insurance companies have long recognized that certain occupations deserve lower insurance rates. Many companies including Safeco and Travelers Insurance have been offering large auto insurance discounts for teachers over the last decade.

The Bakersfield office of Crosby and Crosby Insurance helps numerous teachers, counselors and adminstrators with their home and auto insurance.

Our discounts have just got better! We can now offer an occupation discount on our homeowners insurance coverage in addition to the great discounts we have had on auto insurance.

These discounts are the best way to receive the best value for your insurance. Saving money is great and saving money while receiving the proper coverages is the way we have been selling insurance since 1963.

It is easy to get a quote. You can give us a call at 661-327-5531 or complete an instant online quote here.

 

Obamacare Update: Employer Mandate Delayed

Only 176 Days until the Affordable Care Act health insurance plans (often referred to as Obamacare) are available.  With the constant updates and changes going on we are going to try our best to keep you updated on what this all means and most importantly how it is going to affect you.  One of the most recent changes to the mandate is the extension of the employer penalty from 2014 to 2015.  This extension gives the business owners, employees, health insurance carriers, and government one more year to iron out the details of the mandates and how they will implement them.  Here is a notice from Anthem Blue Cross on this extension:

Employer mandate delayed

July 3, 2013

On July 2, 2014, the Obama administration delayed part of the Affordable Care Act (ACA or health care reform law) that affects employers. The parts of the law listed below will now go into effect in 2015 instead of 2014:

1.        Employers will not have to report certain information to the IRS. This has been referred to as “employer reporting requirements.” We are waiting for the IRS to give details on what requirements this includes.

2.        The rule that says large employers have to offer coverage to full-time workers or pay a penalty. “Large employer” in this case is a business that has 50 or more full-time or full-time equivalent employees (that work an average of 30 hours a week).

3.        The rule that says coverage offered by large employers cannot be more than 9.5% of a worker’s pay for self-only coverage.

The delay notice changes the employer mandate part of the law only. The individual mandate and other parts of the law are unchanged. We are evaluating the impact and waiting for more information. The IRS has said it will release more details about the delay soon. We will share more information as soon as possible.

This article applies to:

  • California, Wisconsin, Virginia, Ohio, New York, Nevada, New Hampshire, Missouri, Maine, Kentucky, Indiana, Georgia, Connecticut,  and Colorado
  • Small Group, Large Group,  and ANA Consultant

We will continue to update you as we receive updates from our carriers and the administration.  If you have any questions or would like to speak to us about health insurance please call our office at 661-327-5531, email Jennifer Crosby at jenni@crosbyandcrosby.com, or stop by our office at 111 H Street.

Tips For Great Course of Construction Insurance

Is the new home of your dreams planned out, the builder is ready to start, and suddenly you are looking for the last piece of the puzzle, Construction Insurance?

homeconstructionConstruction Insurance or Course of Construction Insurance is often relegated to the back of the line behind picking out great windows, the perfect master bath or the perfect builder to complete your new home. Don’t worry, here are some tips to make sure you are selecting the right insurance.

So what is Course of Construction Insurance?

We are all pretty familiar with homeowners insurance that provides coverage for our homes. Course of Construction Insurance is similar in many ways. The coverage is going to provide protection for your home as it is in the process of being built.

Generally the first consideration is going to be coverage for the structure from the foundation and framing to  roof, electrical, plumbing and interior features of our home.  You also need consider if you will have any additional structures like detached garages, shops, mother-in-law units and fences.

What other coverage options should I consider?

- Theft of building materials is a major cause of loss on homes under construction. Make sure if someone steals your property at the job-site their is adequate coverage

- Coverage of materials in transit or off-site. If you are going to store any materials off-site in another lot or storage area make sure to have coverage for off-site materials. Also check for coverage while your materials are in transit from the manufacturer or distributor to your job-site.

- Premises Liability provides liability for the property owner at the construction site. If someone comes onto the job site and slips and falls or injures themselves you need to have adequate liability. Some homeowners companies will allow you to extend liability coverage to another location. If you have a homeowners policy for a home you are living in while the new home is being constructed you may be able to extend coverage. You may also be able to purchase course of construction insurance directly from the construction policy.

Two Options For Coverage

Homeowners Policy with a Course of Construction Endorsement

If you home would normally qualify for a regular homeowners policy, not in a brush area or previous claims, you can purchase a regular homeowners policy with an endorsement to cover course of construction. Many companies require that construction has not started and that construction will be completed within 12-months.

There are several advantages of the endorsed homeowners policy to cover course of construction. First you can combine with your auto and other property policies to maximize savings. Second generally the homeowners policy will renew after 1-year as a regular homeowners policy so you won’t have to shop around for insurance again. Third the coverage is comprehensive and we can include liability under the single policy.

1-Time Course of Construction Insurance

We can offer course of construction insurance on a policy specifically designed for homes under construction. Generally it is required to write this type of policy when the home is located in a high fire brush area, there are previous claims, construction has already began or construction will not be completed within 12-months.

Coverage on this type of policy is tailored specifically for the time period the home is under construction and will need to be rewritten into a full homeowners policy upon completion of the home.

We can help you secure the most affordable coverage that helps to best protect your new home and have a quote to you within 1 day

We write course of construction or builders risk insurance in the states of California, Idaho, Oregon and Washington. We can provide a quote within the same business day. If you have any questions or would like Crosby and Crosby Insurance Services to help you with your coverage please call us at 661-327-5531 or send us an email at agent@crosbyandcrosby.com. You can get a live comparison quote here.

What about course of construction or builders risk policies in high fire areas?

We can help with your construction insurance even if you home is located in a high fire, brush area, or protection class 9 or 10. Please give us a call at 661-327-5531.

What about course of construction or major remodel on a commercial building?

We can help you with your commercial construction or major remodel projects. Our phone number is 661-327-5531.

What happens to your auto insurance when you get a California DUI?

Each year, in California, over 200,000 drivers are arrested for driving under the influence according to the California Department of Motor Vehicles. The penalties and monetary fines are steep.

What about your auto insurance? What happens to your auto insurance when you are convicted for drunk driving?

The first thing you probably will think of is that you will be cast off to buying insurance from some pirate, ringing a bell each huge broker fee he charges while slashing your coverages to nothing.

The good news is that many really great companies are now looking closer at drivers with a clean driving record other than an unfortunate DUI. With the nearly zero threshold for having a drink or two and getting behind the wheel many good and safe drivers are ending up being charged with DUI.

Can I keep good coverage and keep my home and auto insurance combined with a DUI on my record?

Yes! Some of our great companies now considering drivers with a clean driving record other than a DUI conviction there is no need to split off your home and auto insurance or slash coverages.

We can offer the liability and uninsured motorist protection that you need and extend multi-policy discounts to help you get the best value even if you have a DUI.

What is a SR-22 filing?

A Sr-22 filing is a filing the insurance company is required to make with the DMV. Normally insurance is tied to a vehicle but the SR-22 ties the insurance policy to the driver for  a period of 3-years from the conviction date. To keep your license active the SR-22 filing and the insurance policy must remain in-force for that period whether or not you own a vehicle.

There should be no “brokers fee” to issue a SR-22 filing.

The insurance company may charge an extra premium to issue the SR-22 filing.

How long does a DUI stay on my record?

A DUI will charge violation points for a 3-year period after your conviction. The DUI conviction will keep you from getting a “California Good Drivers Discount” and limit your insurance options with many companies for a period of 10-years.

How can Crosby and Crosby help?

Our agency is dedicated to helping clients that value great insurance. We understand that sometimes unfortunately some careful and safe drivers can make a mistake and end up with a DUI.

 We can also offer insurance from companies that have the same great coverages and multi-policy discounts that are available to “California good drivers” in addition to helping you complete all the SR-22 requirements.

You can give us a call at 661-327-5531 in California, 208-366-8366 in Idaho, email us, or complete an online quote.

If you have questions about your insurance with a DUI or a SR-22 filing please contact us. We can help!

Don’t Overlook Preventive Care Coverage When Comparing Bakersfield Health Insurance

Crosby and Crosby logo1In today’s marketplace finding health insurance is far from easy.  There are constant changes as Obamacare regulations take effect and companies try to meet the requirements and deadlines. 

 When looking for health insurance there are many factors to consider besides the monthly premium and deductible. 

One of the most common factors overlooked when purchasing individual or group health insurance is preventive care coverage. 

With the rising costs of medical care continuing to soar it is more important than ever to be proactive about your health care.  Getting the proper preventive care can help you avoid life threatening illness/disease by having early detection and treatment. 

 Many health insurance plans offer preventive care at no out of pocket expense.  For example, Anthem Blue Cross of California, offers preventive care coverage at 100% on their individual health plans. 

This means that if you were covered by an Anthem plan in California and visited your general physician for an annual physical as preventive care the visit would be covered.  Other preventive care coverage may include vision screening, hearing screening, cholesterol screening, PSA test, breast exam and mammogram, PAP test, and many others used in preventive medicine (depending on age and gender). 

Immunizations may also be considered preventive care and covered such as the flu vaccine and HPV immunization.  It is important to speak to your doctor about which appointments and screenings are “preventive” and which are “diagnostic”. 

Preventive care is precautionary and diagnostic care is used to find the cause of existing symptoms.  For example, when your doctor suggests you have a colonoscopy because of your age it is considered preventive care.  If your doctor suggests you have a colonoscopy because of abnormal symptoms you are experiencing that is considered diagnostic care.

  Be sure you speak to your doctor prior to receiving the care and make sure he/she is coding it properly when billing your health insurance, it can make the difference of the bill being covered at 100% by health insurance or going towards your deductible or out of pocket expense. 

Also, make sure to check your health insurance policy to see if your policy covers preventive care at 100%.  

 If you have any questions or would like to review your individual or group health insurance policy with our agency please give Crosby and Crosby Insurance a call at 661-327-5531.

 Crosby & Crosby Insurance Services offers many different health insurance carriers such as Kaiser, BlueShield, Anthem, and Aetna and would be glad to give you a no obligation review of your current medical coverage. To submit your information for a comparion quote please click here.

Packaging Your Bakersfield Home and Auto Insurance The Easy Way

A large majority of potential clients we meet say they are looking for a better deal on their insurance. Many of those potential clients aren’t taking advantage of the easiest way to save, combining their auto and home insurance.

Combining your home and auto insurance is the simplest way to get a better value for your insurance.

Crosby and Crosby Insurance has been helping Bakersfield residents combine their policies since 1963. Our great companies like- Safeco, Travelers and Kemper Preferred offer savings up to 20% for combining your home and auto policies.

Some benefits of combining your home and auto insurance are:

  • Savings up to 20%
  • Increased and enhanced coverages
  • Our package policies with Kemper Preferred and Safeco provide a single policy for both home and auto
  • A knowledgeable local agent to help you choose the correct coverage options and assist you with claims

It is now easier than ever to get a quote for combining your home and auto insurance. You can try Crosby and Crosby’s online rater now for a great comparison quote 24 hrs/day. You can talk to us at 661-327-5531 or stop by our office at 111 “H” Street.

The Best Way To Get Insurance On Your Classic or Antique Auto

Are you sure that antique beauty tucked away in the garage under a brand new coat of wax is properly insured? Classic autos have some unique coverage needs. First and foremost is 1965 Mustang Fastback With Cammer Enginethe valuation of that vehicle.

Cash or Stated Value

The cash value of a vehicle is essentially the market value with standard depreciation. Companies use many different ways to figure out a fair cash value including averaging recent sell transactions for similar vehicles and Kelly Blue Book values.

You don’t want a cash value on your classic auto!!!

What you are looking for is a stated value policy! That is a policy that states in the event of a total loss of your vehicle in a collision or other than collision loss the insurance company will pay you a settlement based on the stated value on your policy. For example your vehicle had a stated value of $20,000 and the vehicle was stolen the company would pay you $20,000 minus any applicable deductible.

Determining the “stated value” of your vehicle is best done with a professional appraisal of your vehicle.

Not only is it better coverage but a stated value policy might save you money

Most classic autos are being driven on a part-time basis and aren’t regular commute vehicles. By listing a vehicle as a classic auto, with stated value, you can take advantage of company discounts for part-time vehicles.

If you have another vehicle for your regular commute you may qualify for a discount.

Our Solution… Combine You Accounts

A quick google search shows that there are quite a bit of companies offering coverage for classic autos. Most of those are policies are specifically for your classic auto and are going to be an addition to your current auto policy.

Our solution is several of our great companies like Safeco Insurance that can put your classic auto on your regular auto policy. This allows you to take advantage of discounts with your other policies like your home, umbrella, motorcycle and boat policies.

You have the great “stated value” policy that you need with a lot less paperwork and added savings.

Contact Us About Your Classic Auto Insurance

If there is anything that we can help you with or questions we can answer for you, just say the word. We are easy to reach in California at 661-327-5531, in Idaho at 208-366-8366 or by email at agent@crosbyandcrosby.com. You can also complete an online quote 24 hrs/day.

Confused by Health Insurance? Let Us Provide Some Common Definitions to Help!

crosbyandcrosbyfacebookAt Crosby & Crosby Insurance Services we understand health insurance can be complicated.  There are so many abbreviations and codes used it can be a full-time job just to keep up with the constant changes. 

Here are a couple of definitions that we get asked about most often:

Coinsurance -

  • A form of medical cost sharing in a health insurance plan that requires an
    insured person to pay a stated percentage of medical expenses after the deductible
    amount, if any, was paid.
  • Once any deductible amount and coinsurance are paid, the insurer is responsible
    for the rest of the reimbursement for covered benefits up to allowed charges: the
    individual could also be responsible for any charges in excess of what the insurer
    determines to be “usual, customary and reasonable”.
  • Coinsurance rates may differ if services are received from an approved provider
    (i.e., a provider with whom the insurer has a contract or an agreement specifying
    payment levels and other contract requirements) or if received by providers not
    on the approved list.
  • In addition to overall coinsurance rates, rates may also differ for different types
    of services.

Co-payment -

A form of medical cost sharing in a health insurance plan that requires an
insured person to pay a fixed dollar amount when a medical service is received. The
insurer is responsible for the rest of the reimbursement.

  • There may be separate co-payments for different services.
  • Some plans require that a deductible first be met for some specific services
    before a co-payment applies.

Deductible -

A fixed dollar amount during the benefit period – usually a year – that an
insured person pays before the insurer starts to make payments for covered medical
services. Plans may have both per individual and family deductibles.

  • Some plans may have separate deductibles for specific services. For example, a
    plan may have a hospitalization deductible per admission.
  • Deductibles may differ if services are received from an approved provider or if
    received from providers not on the approved list.

Health maintenance organization (HMO) -

A health care system that assumes both
the financial risks associated with providing comprehensive medical services
(insurance and service risk) and the responsibility for health care delivery in a
particular geographic area to HMO members, usually in return for a fixed, prepaid
fee. Financial risk may be shared with the providers participating in the HMO.

Maximum out-of-pocket expense -

The maximum dollar amount a group member is
required to pay out of pocket during a year. Until this maximum is met, the plan and
group member shares in the cost of covered expenses. After the maximum is reached, the
insurance carrier pays all covered expenses, often up to a lifetime maximum.

Point-of-service (POS) plan -

 A POS plan is an “HMO/PPO” hybrid; sometimes
referred to as an “open-ended” HMO when offered by an HMO. POS plans resemble
HMOs for in-network services. Services received outside of the network are usually
reimbursed in a manner similar to conventional indemnity plans (e.g., provider
reimbursement based on a fee schedule or usual, customary and reasonable charges).

Preferred provider organization (PPO) plan -

An indemnity plan where coverage
is provided to participants through a network of selected health care providers (such
as hospitals and physicians). The enrollees may go outside the network, but would
incur larger costs in the form of higher deductibles, higher coinsurance rates, or non-discounted
charges from the providers.
For additional definitions please see http://www.bls.gov/ncs/ebs/sp/healthterms.pdf

Contact Crosby and Crosby to help with your health insurance needs.

If you have any questions or would like Crosby & Crosby’s help in finding you or your family health coverage please call us at 661-327-5531, complete a quote online, email our health department at benefits@crosbyandcrosby.com, or stop by our office at 111 H Street. 

Crosby and Crosby Insurance Services offers health insurance plans through great carriers like, Anthem/Blue Cross, Blue Shield, Aetna and Kaiser. We have been helping families in Bakersfield and throughout Kern County since 1963!

Confused with your Options on Bakersfield Health Insurance?

crosbyandcrosbyfacebookWith all the talk of Obamacare and health care reform it is easy to get overwhelmed.  PPOs, HMOs, HSAs… there are enough abbreviations and codes to make most people just give up.  If you are frustrated and confused with your health insurance let us help.  At Crosby & Crosby Insurance we offer quotes on all plan types available and help you pick the one best for you or your family. 

 Depending on your need we can find a plan that fits both your coverage needs and your budget.
 At Crosby & Crosby Insurance we work directly with Anthem Blue Cross, Blue Shield, Aetna and Kaiser to provide you with a perfect fit.  Many of our plans now cover preventive care at no additional charge to you—that’s right, the deductible and/or co-pay may be waived for routine preventive care depending on the plan you choose.  Plans are also available that cover up to 4 doctor visits per year with a small co-pay, no deductible applies. 

Not interested in doctor visits or preventive care?  We also have plans available with high deductibles and low monthly premiums for you.  These plans are better suited for those that are more concerned with a major illness or accident being covered than a routine doctor visit.
 Let us take the confusion out of health insurance for you.  Start by getting an online quote , call us today at 661-327-5531, email our health insurance department at benefits@crosbyandcrosby.com, or stop by our office at 111 H Street.

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