A guide to filing a home insurance claim

Home insurance is one of those policies you buy, hoping never to use. Many homeowners in Mesa, AZ purchase home insurance to protect their homes from various natural disasters and accidents such as fires. Unfortunately, many of them don’t know how to file a home insurance claim, or their claim ends up rejected.

INW Insurance Solutions found that many policyholders don’t study their policies and will assume that every damage is covered. Others simply don’t know what to do when such incidents happen. If you are one of those, who don’t know how to file a home insurance claim. Here is a simple step-by-step guide to help you understand the process.

Notify your insurance company

If it’s a typical accident like a fire, inform your insurance company immediately. You can inquire about the coverage limits, deductibles, and what documents will be required so that you can prepare. If the damage is related to a crime such as theft, notify the police first.

Submit your claim documents

Next, you will need to fill some forms with your personal details sent to you by your insurance company. Fill the forms and return them as soon as possible.

Document the damage

If it’s safe, walk around and salvage the situation. Check what is damaged and record with a camera if possible. Make a list of the damaged areas and items.

Meet with the adjuster

Depending on the extent of the damage, an insurance adjuster will be sent to assess the damage in person. They will check the damage and report back to the company.

Make small repairs

After the meeting, make minor repairs to prevent further damage and keep receipts as proof. If you’re staying in a hotel, track your expenses by keeping receipts of everything you buy or use until your home is ready.

Remember to read your policy and understand what is covered to avoid filing claims for uncovered perils. If you need more help learning how to file a home insurance claim in Mesa, AZ, please reach out to INW Insurance Solutions, and we will be happy to help.

Monsoon Season & Insurance

INW Insurance Solutions made Mesa, AZ their home so we are no strangers to the Arizona monsoon season that comes every year. We love the excitement from the storms, but we also know that monsoon season is the perfect time to determine if your home and auto insurance is enough.

Arizona’s monsoon season normally lasts from June to September. During this time thunderstorms, rain, wind, and dust storms can make frequent appearances. As astonishing as monsoons are to the Arizona desert, they also bring in hazards for your home, car, and personal safety. Strong winds can cause heavy objects like trees to fall down violently, heavy rain can cause sudden flooding, and dust storms can reduce visibility on the road.  However, your current policy may not cover certain damages or losses from extreme weather such as floods or the need for temporary living expenses. Your independent agents at INW Insurance Solutions can explain to you what these options are.

Monsoons are unpredictable and can change in an instant. Some years, our monsoon seasons are disappointing by being hot and dry. Other years, they are exciting and full of rain and haboobs. A sunny day can quickly become a hazardous rainstorm in a matter of moments, or a dry monsoon season can increase the chances of fires, which is why it is important to stay protected against the impacts of monsoon season with great insurance. Call INW Insurance Solutions today to see if your policies cover the possible damage that a monsoon can bring. Together, we can review and adjust your coverage so you can enjoy the storm from the safety of your home, knowing you are protected.

As we enter the last month of monsoon season, INW Insurance Solutions presents some tips to keep yourself safe and protected:

  • Stay updated on the weather
  • When driving in a dust storm, you should pull off the road, stop, and turn off your vehicle lights
  • Do not attempt to drive through a flooded road
  • Secure your outdoor objects that can blow away and cause damage
  • Keep up to date with repairs and maintenance of your home and car to minimize possible damages

What Is Umbrella Insurance?

Having liability coverage today is more important than ever. With the litigious nature of today’s society, it’s important to have enough liability coverage for serious events that can happen. If you need more liability coverage, call us at INW Insurance Solutions in Mesa, AZ to talk with an agent.

Liability Coverage

If you own a home and a vehicle, you likely have insurance on both. The auto insurance and home insurance policies that you have will both have some coverage for liability protection. This will pay out if an accident is judged to be your fault and the other party has been injured and/or had their property damaged. However, even though you have this coverage, chances are that you have very little of it. Home and auto insurance policies often have a small amount of this coverage, and it can be highly expensive to add more to the policy.

Umbrella Insurance

Getting umbrella insurance solves all of these problems. It gives you a higher level of liability coverage without the high cost that comes from adding more coverage onto your home and auto policies. Instead, it is a separate insurance policy that adds liability to both. After there has been an accident, your home or auto coverage, depending on where the accident happened, will pay up to its maximum coverage amount. After this, many people end up paying the rest out of pocket. But with umbrella insurance, you don’t have to. It kicks in after your other policy has maxed out, and it has its own, higher, maximum payout amount. This saves your future finances from having to come up with payments for medical and property bills that result from an accident. 

Get Your Umbrella Coverage

If you need more liability coverage, call us at INW Insurance Solutions in Mesa, AZ to talk about your liability insurance needs. 

Student Discounts from INW Insurance Solutions

The tassel was worth the hassle!

Teen or young adult drivers can be very expensive to add on insurance. Luckily, if you call INW Insurance Solutions to review your coverage, we can help find you a better rate! Some of our carriers such as Encompass, Nationwide, Travelers and many more offer a variety of student discounts to help you save while you get your diploma or degree. This can help both you and your student driver! These may include:

  • Good Student Discount: Students with a 3.0/B or higher average   
  • Students Away at School: Students who live on campus without a car and are 100 miles away from the insured’s residence
  • Driver Courses/Training: Student drivers under 21 who have completed an approved driver’s education course

These discounts range from 7%-20% savings! With the rising price of tuition, saving money is always nice!

Are there any hardworking students in your life? Refer them or their families to our independent insurance agency and you’ll be entered in our referral drawing where you could win $500! Students may have a difficult time learning about insurance but with INW Insurance Solutions, they won’t have to worry because our independent agents work hard to find quality and affordable insurance.

INW Insurance Solutions applauds all the graduates of 2021. Our team cannot wait to hear of your future successes. And if you can’t wait to hear about better insurance policies, be sure to call us today at 480-626-0797 where we can begin finding you the best rates for insurance including auto, home, and more!

Insurance Discounts for Teachers

INW Insurance Solutions is wishing all educators a Happy Teacher Appreciation Week! If you are a full time or retired teacher, teacher assistant/aide, professor, principal, or are responsible for the education of children and college students, INW Insurance Solutions has wonderful news for you.

There are hundreds of insurance carriers to choose from which can make finding insurance a daunting task. But INW Insurance Solutions looks over nearly a dozen carriers to find our customers the best rates and policies. One of our favorite insurance carriers, CSE Insurance Group rewards active and retired public employees with exclusive lower rates and additional benefits. This includes law enforcement, military personnel, firefighters, government employees, and educators! You can receive discounts of up to 24% when you reach out to INW Insurance Solutions and their agents to review your coverage and compare quotes.

If you know anyone who is a teacher or public employee who is seeking better insurance, refer them to our agency and you will be entered in our annual referral drawing. You’ll be helping them get affordable, quality insurance and you can win $500 next year! That sounds like a win-win to us.

Our team at INW Insurance Solutions celebrates all the hard work educators put in to support their students. Whether in class or remotely, teachers enrich our communities. We look back at memories of our favorite teachers and the positive impact they have had on our lives. As our thank you, we work hard to find you the best prices and policies. Call us today so our agents can review your current coverage and find you amazing discounts.

What Exactly is Condo Insurance?

If you’re living in Mesa, AZ, and would like to know what condo insurance is, INW insurance solutions has you covered.

Condo insurance is basically a cover you would take out to help protect yourself from losses to your condominium that includes water and fire damage, theft, vandalism, and others like this.

The biggest difference between condo insurance and homeowner’s insurance is that the homeowner needs to take a policy out for their entire property while a condo owner can take out a cover for their individual unit.

Standard and Master Condo Insurance

On the condo insurance level, there are two main coverages you can pick: standard condo insurance and master condo insurance.

Master insurance is often taken by the owners jointly to keep the outside surroundings of the units secure. This is necessary because standard condo insurance will only cover the outer walls of the unit it has been taken for and what is inside.

The compound, parking areas, and grounds will be covered by the master insurance.

What Standard Condo Insurance Covers

Standard condo insurance is also called an HO6 policy and usually covers these five areas:

  • Personal property is your personal items- the things you own inside your unit.
  • The dwelling is the unit itself so anything from improvements and repairs to additions and alterations.
  • Personal liability for when accidental harm is caused to others while on your property.
  • Medical payments to others to cover issues that may arise at your place.
  • Loss of use covers additional living expenses in the event your condo becomes uninhabitable.

If you’re purchasing a condo or refreshing your cover and need some help getting robust coverage, INW insurance solutions can be the guide you need to navigate the dense insurance jungle and deliver what you need.

What Happens if I Don’t Have Mexican Auto Insurance?

Sunscreen? Check. Passport? Check. Mexican Auto Insurance?

Your auto policy will most likely not cover Mexico, so Mexican auto insurance is something that you need for your next vacation. Luckily, INW Insurance Solutions offers Mexican auto insurance throughout Arizona.

After all, nothing may be more synonymous with Spring Break or summer than a trip down to Mexico. For many people in Mesa, Rocky Point is a popular vacation spot. If Mexico’s sandy beaches are in your future, then be sure to learn about Mexican Auto Insurance from INW Insurance Solutions.

How many trips to Mexico have you taken without being properly insured? It’s surprising how many people visit Mexico for vacation, but either forget or opt not to purchase Mexican Auto Insurance, which can potentially lead to the vacation being anything but a fun, relaxing time! If you end up in an car accident without Mexican auto insurance, your vacation can become a nightmare with possible consequences including expensive fines and jail time.

We at INW Insurance Solutions realize that when you’re thinking of the beach, margaritas, the music and the food that awaits you in Mexico, perhaps insurance isn’t at the top of your list of priorities. This is precisely why we’re doing all we can to help make buying insurance an easy, painless, economic experience…so you can move on to concentrate on the fun stuff!

We can insure your car, your recreational vehicle, and of course your quad or motorcycle.

The importance of insuring your car while you are in Mexico is indisputable. What you may not know is how affordable an annual policy is. We have many clients who just love to visit Mexico every year and know how valuable Mexican auto insurance is! Let us provide you with a quote or answer your questions. We truly look forward to the opportunity.

Our policies are very economical, offering Liability Only coverage on any street-legal vehicle while in Mexico. We’re often asked about what the policy would cover. Most include property damages, partial theft and vandalism as well as accident coverage, but your agents can give you more details. Give us a call at 480-626-0797 for more information and specific policy details.

Is It Worth To Invest in Umbrella Insurance?

Umbrella insurance refers to a policy that protects your assets when your homeowner’s or car insurance can no longer provide coverage. Such a scenario may seem unlikely, considering your most valued possessions are already taken care of. But despite this, a significant incident may arise, resulting in substantial expenses. INW Insurance Solutions explains why getting umbrella insurance is worth it.

Benefits of Getting Umbrella Insurance

One of the benefits of getting umbrella insurance is that it protects your assets from liability when your standard policy is exhausted. Numerous lawsuits often award compensation exceeding insurance covers, resulting in the impounding of assets to offset damages. Umbrella insurance safeguards you against this, providing coverage when needed.

Apart from protecting you from any financial setbacks, umbrella insurance also protects all members of your household from liability. This is, however, possible where they are included in your policy.

What Does Umbrella Insurance Cover?

Damage to Property

Damage to other people’s property is often covered under options such as auto and home insurance. If, however, you get into an accident within the Mesa, AZ area and damages exceed your limit cover, umbrella insurance will come in handy in covering the extra costs.

Lawsuits

If one of your guests gets injured in your residence, they can sue you for damages for medical bills or pain and suffering. If either of these exceeds your homeowner’s insurance, umbrella insurance helps you pay for all hospital bills and legal fees arising from your case.

Lawsuits can also arise where defamation claims result from slander or libel. Along with this, legal claims inclusive of fender bender faults and landlord liability follow suit, all of which are covered under umbrella insurance cover.

When Should You Consider Umbrella Insurance?

If you check any of the following boxes, you may occasionally face a liability claim or injury when someone pays a visit to your residence. Investing in umbrella insurance should be your next step.

  • If you own rental properties in Mesa, AZ
  • If you own a vehicle or a boat
  • If you are a public figure
  • If you own pets
  • If you own a pool or equipment such as trampolines
  • If you frequently host parties

No matter how big or small your assets, umbrella insurance is worth it. Let INW Insurance Solutions help you protect your assets against any unforeseen emergencies.

Updating Your RV Policy

You probably do your best to protect your recreational vehicle parked in Mesa, AZ. You carry insurance on it and provide it regular maintenance. Did you know that if you update your RV, you also need to update your insurance policy?

INW Insurance Solutions can consult with you on a policy update whenever needed. Read on to learn what actions create the need for an RV insurance policy update. Some of them might surprise you.

Interior Changes that Increase RV Value

When you renovate your RV with new flooring, counters, furniture, etc., your RV insurance requires a review for potential updates. You might only change out one item, like the dining table, but your new furniture could have cost significantly more than the original. It is not just about paneling. If you upgrade the appliances or plumbing, you also need a review.

You did more than give your RV’s interior a new look. You increased its value. Your insurance covers the original value though.

Exterior and Mechanical Changes that Increase RV Value

Other updates that require a policy review include updating the RV’s mechanical, especially its engine or its exterior. Adding a spoiler or luggage racks or bike racks, or other customizations can increase its value, whether your use OEM or aftermarket parts. 

Contact INW Insurance Solutions serving Mesa, AZ for more information on what changes to your RV would raise its value. We can meet with you to discuss your coverage and review your policy in person or via Zoom. Call us today for an appointment so you can keep your RV properly covered. We can help you get ready for a summer full of road trips.

Why Wedding Insurance is Worth It

Don’t let it rain on your wedding day. You’ve gotten all the details down from finding the perfect venue to say your vows to the dress of your dreams— but what about the things beyond your control? Even the most meticulous planning cannot prevent the groom from getting a cold, unreliable wedding vendors, extreme weather, or other accidents that force your wedding to be cancelled or postponed. This is why INW Insurance Solutions offers wedding and event insurance across 7 different states and locally here in Arizona including Mesa, Chandler, Gilbert, Queen Creek, and San Tan Valley.

Getting married is expensive. In 2019, the average cost of a wedding was $33,900. Wedding and event insurance from INW Insurance Solutions can help prevent you from being left at the altar with poor coverage that results in you losing hundreds or thousands of dollars. Our insurance experts can find comprehensive coverage that fits within your wedding budget.

For your wedding, you will have to consider a variety of factors. Are you getting married in your home’s backyard? Or out of state? Will there be alcohol served? Are loved ones helping pay for the wedding? Finding wedding insurance on your own can be an additional stressful and tiring step to add to your wedding planning. But we do the work for you. With our agent’s skills and care, we have found our customers discounts when they get both event liability insurance and event cancellation insurance.

Our agents shop nearly a dozen carriers because peace of mind on one of the most important days of your life is priceless. After all the time and dedication put into making your celebration perfect, it is important to prepare for the unexpected.

INW Insurance Solutions can do more than protect your home and cars. With wedding and event insurance, we can help protect your financial investments and commitments for special moments. Call our agents today to start discussing your event and discover the possible coverages that can protect your wedding against many unfortunate scenarios.