Monthly Archives: August 2020

What’s Involved in a Home Insurance Claim?

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Many people never want to have to deal with a disaster and the insurance of their home. It is something that can be unpleasant, to say the least. Hurricanes, floods, vandalism, among other events, can be unpredictable and unpreventable so having quality insurance is very important for such a big investment as your home.

Having an insurance provider you can trust is crucial if something major happens. That is why choosing a company that will look out for you. Pizano Insurance of Wayzata, MN has reliable agents who will take the time to get to know what your insurance needs are.

Beginning Stages of a Claim

If your home is damaged by an accident that was unforeseen, you are eligible to file a claim to cover expenses to repair your home. There is not a guarantee the claim will be approved, but the process must be started and your information collected. General repairs from age are not considered under a claim as they are not accidental in nature. You will need to contact your provider for more information during this process.

The Claim Process

Your insurance company might refer you to a damage repair company as a temporary measure to prevent further problems. Investigations must be made and an adjuster will be involved in the process. The insurance company will determine if a claim is to be paid. This payment can happen in different ways depending on your provider and conditions. It is good to have a trusted insurance company you can rely on during this whole procedure.

If you need help selecting the best home insurance policy, Pizano Insurance of Wayzata, MN can help. We have experienced agents who can answer your questions about policies and claims processes. Give us a call to schedule an appointment to speak to one of our representatives today.

The Most Common Myths About Auto Insurance

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Auto insurance can be difficult to understand, especially if you have never purchased it before. There are also many misconceptions and myths about car insurance that make it even more complicated. In order to help you make an informed decision, Pizano Insurance serving Wayzata, MN, and other surrounding communities has prepared the list of the most common auto insurance myths that everyone should know: 

  • The color of a car affects the cost of insurance.  Despite this common misconception, the color of your car does not affect your premium.  There are other factors affecting the cost of insurance, including the vehicle’s model, age, body type, engine size, the car’s safety features, and rating, and some others. 
  • Older drivers pay more for car insurance. Auto insurance does not go up with age. Actually, it is often just the opposite. Many drivers at the age of 55 and older can be qualified for discounts if they complete an accident prevention course successfully. 
  • Getting a traffic violation increases the cost of your insurance.  In fact, getting a traffic violation does not always increase your premium, especially if the violation was minor. If you want to keep your auto insurance at the same price, you need to maintain a clean driving record following the violation. 
  • It costs more to insure expensive cars.  The price of your car does not necessarily affect your insurance costs. However, if your car is costly to repair, then your insurance will be more expensive. 

There are many myths that make auto insurance so complicated to understand. If you are a resident of Wayzata, MN and you have doubts about car insurance, Pizano Insurance is ready to help and answer all the questions you may have. Do not hesitate to call us and let our experienced agents help you find a policy you and your vehicle deserve.