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Alan Galvez Insurance Blog: homeowners insurance claims

View the latest blog posts from Alan Galvez Insurance.

After the record-setting rain Ohio has gotten, we’ve received a number of calls concerning water in basements. However, homeowners insurance policies treat water differently depending on its cause. And not ALL water is covered under the homeowners policy, whether via the basic policy or even as an addition to the policy. READ MORE >>

If you submit an Ohio insurance claim and then decide you no longer want the insurance company involved, you are allowed to close your claim. A few things to keep in mind...  This has been my general experience over 20+ years and applicable to all companies we represent. READ MORE >>

 As a general rule, coverage for dog bites would come from the liability section of your homeowners, condo or renters insurance policy. Liability insurance covers bodily injury and property damage to others. I’m sure we can all agree that a dog bite qualifies as bodily injury to others. READ MORE >>

One of our long time customers recently experienced a house fire. I decided immediately that telling their story was necessary, in the event you too suffer a fire. For the sake of privacy, I have renamed the customers Jack and Jane, but everything discussed here is exactly how it played out post-fire. READ MORE >>

One of the most common homeowners insurance claims we encounter is a tree falling on a property. You can imagine the logical follow up question- "Does my homeowners insurance cover the removal of the tree?" The answer is- it depends. I know you hate that answer, but unfortunately, it's true. READ MORE >>

The Biggest Problem with Siding and Roofing Claims In the many home insurance claims we've seen over the years, roofing and siding claims cause the most frustration for policyholders. Why? Because when siding and/or roofing is damaged as the result of a covered claim, there is always the chance that the replacement siding/roofing will not match what's left. READ MORE >>

Every once in a while, we get questions that make us really stop and think. Case in point- A customer called and asked, "if my house is damaged by an Act of God, do I still have to pay the deductible? I've heard that from several people."   READ MORE >>

Here's one of the grayest areas in insurance, And one that often causes a lot of arguments. So hopefully this explanation will help you understand how Bellefontaine Ohio homeowners insurance responds to and covers trees that fall on your property.  READ MORE >>

As an insurance agent for 20 years, I've talked about water and sewer back-up so many times I've lost count. And we've paid lots of these claims over the years as well. But it's something altogether different when the claim happens to you. So roll up your sleeves and let's "dig" into my sewer back up experience. READ MORE >>

Have you ever had an Ohio homeowners insurance claim?  Many of our clients worry because they just aren’t sure what to expect or how the process works.  Today I want to walk you through it so you’ll know exactly what to do if you experience a homeowners insurance claim. READ MORE >>

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Alan Galvez Insurance
134 W. Columbus Ave.
Bellefontaine, OH 43311

 (937) 592-4871

 info@galvezinsurance.com

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