Western US Hail Severe Property Damage

Western US Hail storms are causing severe Commercial and Residential Property Damage. Provencher & Company has experienced staff in place. Call 866-722-5246.

HAIL COLLAGE

Submitting a claim is simple: Claims@Provencherclaims.com

Provencher_Logo

Winning Your Business One Claim At a Time!

Advertisements

Halloween Safety Tips for Homeowners

Halloween is a festive day that kids enjoy, because they get dressed up and get treats. However, for a homeowner — it could be an insurance claim waiting to happen.  Will you be hosting a party or inviting trick-or-treaters to your door? Opening your property to the public can leave you susceptible to insurance claims and lawsuits.
 
If you follow a few tips to ensure safety and protect your home from damages or liability, you can prevent the risk of a homeowners insurance claim spoiling the fun. Continue reading

Home Insurance Liability Coverage And Bees

Summer time is full of picnics, fun times and outside activities. While out on her patio, a next door neighbor is stung by a bee and notices that you have a huge beehive hanging from an overhang. The neighbor says she is calling a lawyer to sue you for her injuries. Should you be worried? See the attached article for one insurance advisor’s opinion.
Homeowners liability coverage: Can it handle bees?
By Jack Hungelmann • Bankrate.com
Dear Insurance Adviser,
We have a honey bee hive on our roof that is home to a couple dozen bees, and we recently were told by a neighbor that she would be contacting her attorney because she got stung. These bees have never bothered us at all. If she sues us, would the liability coverage in our home insurance take care of any or all of the lawyer’s fees? What about any damages?
— Sally
Dear Sally,
Good news! Home insurance policies pretty much universally include worldwide personal liability coverage to a limit of at least $100,000 for any damages. Defense costs are covered separately and completely until the full liability limit has been paid to the injured party.
Limits higher than $100,000 are available at minimal extra cost. For example, the additional cost to raise the limit to $500,000 is as low as $20-$30 a year. Additional liability coverage is one of the best buys in the insurance business. The extra liability protection comes with continued defense coverage until the higher limit has been paid in damages.
As an aside, it doesn’t seem like your neighbor has much of a case. You’re not raising bees and don’t have a honey-making operation. You are just a homeowner peacefully coexisting with nature. Some bees have adopted your roof as their home.
Where is the negligence? Even if it’s true that one of your bees did sting her, she would have to prove that the guilty bee came from your hive. Good luck with that!
I hope that helps.
*****
Ask the adviser
To ask a question of the Insurance Adviser, go to the “Ask the Experts” page and select “Insurance” from the drop-down box. Read more Insurance Adviser columns.
*****

*The posting of this article is for informational purposes only, as a courtesy to our reading audience. Provencher & Company does not own, has in no way been compensated for the sharing of this information, and content of said article belongs to that of the originating author. The use of or enrollment in any classes, seminars, training, etc. in no way constitutes or implies any endorsement of the provider of said programs. Provencher & Company shares no financial obligation to attendee or organizer.