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Attain Insurance

611 Gault ave S
Fort Payne, AL 35967

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What is Included in Flood Insurance Coverage?

Alabama is an excellent state to live in, but the hurricane and other types of storms could cause significant flood damages in the cities this state including Fort Payne, AL. Just a few inches of water and residents plus business owners are already losing everything. Unfortunately, such incidences are hard to predict, and the only thing left to do is to stay prepared by getting a flood insurance coverage. It is the wisest plan you can take to protect yourself, your family and your assets. Attain Insurance works to ensuring that everyone is safe by providing comprehensive policies to see that their clients are adequately protected.

Your standard home insurance does not include flood

First, you need to understand that having standard home insurance does not mean that you should relax as it does not include everything. You need to have that additional policy if you want to be protected against water damages.

Damages caused by the flood are much expensive compared to other disasters. Water damages can take you back to zero where you had nothing after everything has been swept away. It is hard to recover from such losses if you do not have a backup plan such as having insurance coverage.

What is protected by flood insurance?

This policy is tailored to protect you from any direct physical damage by the flood to your home or any other personal property. You can decide to buy both policies to protect your home and the other one to protect your personal property. Other things included under the federal flood insurance program are;

  • The plumbing system
  • Electrical system
  • The HVAC equipment
  • Kitchen appliances
  • Permanently installed carpets
  • Permanently set up cabinets, wardrobes, and bookcases
  • Window blinds
  • Garages and other structures detached from your building

You may feel that your home is located in a safe area, but the truth is there is nothing like safe ground. This disaster can happen to anyone. If you wish to learn more or purchase flood insurance in Fort Payne, AL, contact Attain Insurance, and we will show you the right way to getting the most favorable policy for you.

Why There is No Standard Commercial Insurance Coverage

When it comes to purchasing commercial insurance for your business, there is not a one-size-fits-all policy that you can purchase. This process can become very confusing if you have never done it before which is why you need to have someone on your side helping your navigate. Attain Insurance, serving Fort Payne, AL, can help you through the process. 

Why Is There No Standard Policy?

No business is like another which is why it makes sense that there is no commercial policy that can be used to fit the needs of all types of businesses in the market. There are different needs that your business may have that the business right down the road may not have. A commercial insurance policy is designed for each individual company so that it can fit those needs. Different policies tend to have different policy clauses to help tailor that policy to the business in question. If you are ever offered a commercial insurance policy that is standard, then you should take a detailed look at the policy to make sure that it will meet your needs in every sense. In most cases, this will not be true. Instead, while it can take some time to develop the right policy, it is always best to have one developed for your specific business, the work that you do, and the way that you run your business so everything is covered no matter what happens in your day to day operations. 

If you would like help determining what you need in your commercial insurance policy, be sure to reach out to Attain Insurance, serving Fort Payne, AL, today. They can help you find the right policy to fit your needs as well as help you find one that fits within your budget. 

 

Are There Discounts for Commercial Insurance?

When it comes to investing in commercial insurance. There are many benefits to be gained. From adding proper protection to your business to having peace of mind in knowing all your bases are covered, this type of insurance can be paramount to the overall success of your company. Even if you own a home-based business, commercial insurance may be of the utmost value. To assess whether you need this type of insurance, it is highly suggested that you speak with a qualified insurance agent. For now, let’s take a quick look at two discounts you may be able to take advantage of in regards to your commercial insurance. 

Combining multiple policies

There is a good chance that you already have other types of insurance policies. From auto insurance to life insurance, when you combine these policies with your commercial insurance policy, this can save you a considerable amount of money. All you need to do is ask your current insurance agency if they offer commercial insurance, and if so, whether or not a discount can be taken advantage of if you combine all of your policies. 

Put in an alarm system

Another way to take advantage of a discount on your commercial insurance policy is to install an alarm system on your commercial property. Insurance companies want to know that they will have as much information and data as possible if a claim is made, and with an alarm system, this helps provide them with the information they need. 

If you would like to learn more about commercial insurance discounts, please contact Attain Insurance serving the Fort Payne, AL area. 

Three Common Home Insurance Claims

Having home insurance in Fort Payne, AL is something that most people understand they need. After all, for most people, your home is the largest investment you will ever make. While you hope you will never have to file a claim, having the peace of mind that you can is quite beneficial. 

The fact is, a standard homeowner’s insurance policy can help protect the structure of the home, as well as everything inside from a number of man-caused and natural issues. Learn more about the most common home insurance claims seen at Attain Insurance here. 

Water Damage

During the winter, freezing temperatures can result in burst or leaking pipes if they are not properly insulated. The good news is, that this type of water damage, as well as damage caused by ice storms and rainwater, is usually covered by a typical home insurance policy. 

The best way to avoid water damage in your home is to take preventative steps. Make sure there are no leaks and keep all your exposed pipes insulated when it is cold out. 

Theft

There is not anything quite as rattling as returning home at the end of a day to discover someone has broken into your home. If you have been a victim of theft, then you have recourse thanks to your homeowner’s insurance policy. 

To make sure you can get what your property is worth, be sure to document your possessions. This will make the claim process for this much easier. 

Fire

Even though a fire is not the most common type of claim, it is one that can be the most expensive. Regardless of the type of fire, you can get help from your homeowner’s insurance policy if this type of disaster strikes. 

If you need more information about your homeowner’s insurance policy or what it covers, contact the staff at Attain Insurance serving the Fort Payne, AL area today. 

 

Who Needs Commercial Insurance?

Owning a business is a dream for many people, but also comes with a lot of responsibilities. For those in the Fort Payne, AL area, one responsibility that they will have is the need to get commercial insurance. There are several types of businesses and situations in which having commercial insurance is a practical necessity.

Those with Employees

The first group of people that will need to have a commercial insurance policy are those that have employees. Depending on the type of business you are in and the number of employees that you have, you could be required to have Workers Compensation Insurance. This part of the commercial insurance policy will provide you and your employees with protection in the event they are injured while they are working on the job. It can cover medical bills, costs due to being out of work, and other expenses.

Those that Produce a Product

Another type of business is one that produces a product.  If you produce a product that will then be used by a consumer, you are taking on some risk every time your product is used.  Even if you place a warning label on your product, you could be found liable if your customer is hurt or becomes sick due to the use of your product.  If you have a commercial insurance policy in place, you will receive coverage in the event that you are found liable for an injury or illness and are sued.  

Since it can be incredibly complicated to figure out your commercial insurance needs, all Fort Payne, AL area residents would benefit greatly by speaking with Attain Insurance first.  Attain Insurance is a company that specializes in providing commercial insurance to businesses and will be able to help you better understand your commercial insurance needs.  

Your RV insurance checklist before your next trip

So you’re ready to head out from Fort Payne, AL and do a little adventuring in your RV. The fridge is stocked, you’ve loaded up the water tank and charged the battery, and you’re ready to roll. One last thing: Before you hit the road, you’ll want to check your policy with Attain Insurance and make sure that you’re covered. Here’s what you’ll need to check:

  • Who’s driving? Are you going to do all the driving or do you have a co-pilot? You need to make sure every driver is on the policy.
  • Have you covered what you’re hauling? If you’re taking your boat with you, for instance, your insurance policy on that boat may come into play should there be an accident on the road.
  • Do you have accessory coverage? If you’ve tricked your RV out with a new shower or a propane rig, you’re going to need to make sure that that’s addressed in your policy.
  • Get roadside assistance coverage. This will really take a load off your mind while you’re out on the road.
  • How’s your liability? Should there be an accident, large vehicles like trucks and RV’s are likely to do more damage. You’ll want to make sure you’re covered.

This may seem like a lot that you’ll have to deal with, but the truth is that the more work you do to make sure you’re setting out on the right foot, the less worrying you’ll have to do out on the road. With a good policy from Attain Insurance, you can launch your next expedition from Fort Payne, AL with nothing on your mind but the thrill of the open road.

Can a Lending Company Require You to Carry Flood Insurance?

At Attain Insurance, serving the greater Fort Payne, AL area, we are often asked if a lending company can require you to carry flood insurance on your home. This is something that many people do not know about, but should before they purchase their first home or a home in a high-risk flood area. Here is information regarding lenders and their ability to mandate you to carry flood insurance. 

Can You Be Required to Carry Flood Insurance? 

By law, you can be required by a lending agency to carry flood insurance if you have a federally backed mortgage or if you live in a high-risk flood area. If you do not meet either of these requirements, the lender can encourage you to obtain flood insurance, but cannot require it. 

How Will I Know If I Am Required to Carry Flood Insurance? 

If you are required to carry flood insurance by your lending agency, this information will be disclosed to you when you sign your loan documents. If it is not in the agreement, you are not required to carry this type of insurance. 

Do I Have to Use the Lender’s Insurance Company? 

If you are required to carry flood insurance, the lender will give you the option of buying the insurance directly through one of their preferred insurance companies. You are under no obligation to buy insurance from or recommended by the lending company. 

Regardless of whether or not a lending company requires you to carry flood insurance, it is always strongly advised that you do. If you are in the greater Fort Payne, AL area and do not currently have flood insurance, contact Attain Insurance today to obtain a quote and begin the process of protecting your home against a flood. 

Protect Your Condo from Disasters

Many people believe that they do not need condo insurance because they don’t have a mortgage. They think that their condo’s association policy will cover damages if there is a problem. Attain Insurance in Fort Payne, AL can give you advice about understanding how you can protect your condo from a disaster.

Association Policies

Many condos have their own policy. These policies protect the buildings’ structure, so if the building you were living in were completely demolished, the association could cover your loss. Association policies usually do not cover your belongings, appliances, or furniture. You’ll need to have condo insurance to protect you in case something happens to your home.

Condo Insurance

Although it can happen, a building is rarely completely destroyed. It is up to you to acquire the appropriate amount of coverage for your property and belongings.

  • Liability Insurance – if a person is injured on your property, they could file a lawsuit if they feel that you are liable for their injuries. Liability insurance could protect you from having to pay out thousands of dollars for medical costs, lawyer’s fees, and rehabilitation expenses.
  • Personal Property – your property could be covered against such disasters as theft, vandalism, and fires. Without this coverage, you may not be able to replace your clothing, furniture, appliances, or jewelry.
  • Building Property – although the walls and buildings’ structure are usually covered under your condo association’s policy, it normally doesn’t cover the inside walls that hold fixtures and built-in bookshelves.

If you decide to purchase a condo in Fort Payne, AL, stop by Attain Insurance. Their independent insurance agents can help you discover the type of condo insurance you’ll need to stay protected in your home. They can also get you started with auto, life, and commercial insurance as well.

Homeowner’s Insurance in Fort Payne, AL and Claim Impacts

Going through a fire, home invasion or windstorm can be very traumatic. The last thing you need to worry about if something happens is what your homeowners and renters insurance covers in Fort Payne, AL. Find out now so that you can be prepared.

All policies vary, but most include fire, windstorm, and theft. In addition to basic coverage, your insurance should also contain coverage for property damage, personal liability, living expenses and medical payments. Home insurance policies are geared toward single-family homes but there are versions modified for renters and condo insurance.

Property Damage

Property damage covers your home and personal property. For properties with outbuilding such as tool sheds or detached garages, the contents there are also covered. Check with your Attain Insurance representative to find out more about your existing policy and to understand your options.

Personal property refers to items you own lost in the covered event. The belongings of family members living with you are also covered.

Replacement Cost or Actual Cash Value?

Replacement cost is the amount of money to replace lost items before depreciation. Actual cash value is the amount of money to replace lost items after depreciation. Most standard home insurance policies are written on an actual cash value basis.

Additional Living Expenses

Most home insurance policies in Ft Payne, AL cover additional living expenses if you are denied access to your home by the government or other authorities. This might include limited motel and restaurant costs. It also covers storage.

Personal Liability

If a guest in your home is harmed by the condition of the property, they can sue you for negligence. Personal liability covers you against a lawsuit for bodily injury or property damage.

Medical Payments

This covers medical costs for anyone harmed by the condition of the property, by someone living there or by a pet. Medical payments on a home insurance policy don’t apply to injuries sustained by people living in the home. Contact Attain Insurance to see if your coverage is sufficient.

 

Does Commercial Insurance Cover Damage Caused by Weather in Fort Payne, AL?

Commercial property owners in the Fort Payne, AL area can contact the agents of Attain Insurance if they have any questions concerning weather damage and if it is covered by their commercial insurance policy. There are several aspects that must be considered when it comes to buying commercial or business insurance. They include liability, property damage, Worker’s Compensation, and many other types of insurance that are designed to protect the business owner from sustaining extensive financial losses if an accident or emergency happens. While many businesses can go several years without the slightest glitch, it only takes one strong storm to significantly damage a building and cause extensive loss.

Depending on the circumstances, most types of weather damage are covered under a commercial policy that covers property damage. If a building has been properly maintained and receives damage from high winds, large hail or wind-driven rain, the damages will be covered once the deductible has been paid. In most cases, the larger the premium paid on the policy, the lower the deductible. If a person chooses to pay a lower premium, the deductible will be higher. If the business owner expects to have weather damage covered, they need to make sure their policy covers property damage caused by certain natural events. Flood insurance is often added separately as its own distinct policy.

In Fort Payne, AL, business owners need to be able to talk to a reliable insurance agent if they have questions concerning commercial insurance and property damage coverage. Call the agents at Attain Insurance and have your current commercial policy reviewed and brought up to date to ensure you have the amount of coverage you need to protect your business and your livelihood.