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Attain Insurance

611 Gault ave S
Fort Payne, AL 35967

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Protecting Your Vehicle From Storm Damage and Alabama Weather

Posted on by agentinsure

When faced with unpredictable weather, proper insurance is key. Whether you own a traditional vehicle or watercraft in Fort Payne, AL, it’s essential to insure all vehicles, even if you just use them seasonally. At Attain Insurance, we’ll work with you to protect your auto investment while saving money with the right form of coverage.

Comprehensive Insurance

Obtaining comprehensive insurance in Fort Payne is always recommended for anyone who owns a vehicle. Comprehensive goes above and beyond traditional liability insurance. It’s possible to protect your vehicle from damage caused by flooding, falling tree branches, and even unpredictable hailstorms. Those who live in Northern Alabama are more likely to experience seasonal flash flooding and hail, which needs to be considered when it’s time to review and renew insurance policies.

Proactive Measures

Before a major storm hits, it’s also advisable to have a contingency insurance plan in place. Preparing your vehicle for storms and potential downfalls of rain and hail can go a long way in protecting and preserving your investments. After a storm, documenting your property’s damage, such as leaks, cracked glass, or even dents, can help with filing a claim. Quick reporting ensures faster processing while minimizing potential repair delays. 

The right amount of coverage for storm coverage is key. At Attain Insurance, we work closely with our clients to help provide the proper auto coverage necessary anytime you’re out on the road. To learn more about your coverage needs while living in Fort Payne, AL, contact us for your quote and consultation. 

Winter Storage Mistakes That Cost Fort Payne RV Owners Big

Posted on by agentinsure

You shut the door, pulled the cover tight, and walked away. But winter doesn’t care how neatly you parked it. One overlooked valve, one missed step in prep, and suddenly, your quiet offseason turns into a five-figure headache.

In Fort Payne, AL, RV owners often learn this the hard way. Attain Insurance has seen it all: cracked water lines, storm-crushed roofs, and break-ins at unsecured lots. Nearly every time, the damage was preventable.

Cancelling Insurance? The Fastest Way to Lose Everything

Let’s start with the big one. You think the RV’s off the road, so you drop the policy to save a few bucks. Bad call. Theft, fire, collapse, storm damage—none of that takes a break just because your wheels aren’t moving.

Without insurance, every hit lands squarely on your wallet. And if you’ve got a loan on the RV, cancelling coverage can trigger a default, even if it never leaves the driveway.

Attain Insurance helps Fort Payne, AL RV owners maintain protection that holds through the cold months, not just during travel.

Water in the Lines? Say Goodbye to Spring Plans

You forgot to drain the pipes, maybe thought it wouldn’t freeze, or didn’t have time. Now the temperatures drop, the water expands, and your plumbing system shatters from the inside out.

One broken fitting, one pressure spike, and suddenly you’re dealing with flooded floors, mold, and warped cabinets. And guess what? If your insurer thinks it’s neglect, that claim could be denied.

RV insurance won’t cover what you didn’t try to prevent. Winter prep isn’t just a checklist; it’s a shield.

Parking Doesn’t Equal Protection

Your RV is a beacon. Thieves know it’s unattended. They see storage lots without cameras, notice long gaps between visits, and go to work.

Without the right coverage, your stolen gear becomes your loss. Every TV, solar panel, and battery bank ripped out, and your policy says no.

Winter isn’t your RV’s quiet season, it’s the danger zone. Call Attain Insurance in Fort Payne, AL before a small oversight turns into a total loss. Your RV insurance should work even when your RV doesn’t.

Does Flood Insurance Cover Mold Removal?

Posted on by agentinsure

Floods have devastated towns near Fort Payne, AL, leaving behind a trail of destruction. Homes are often submerged in water, forcing homeowners to sift through soaked belongings and salvage what they can. Even after the water recedes, mold can spread throughout the home, making it uninhabitable. While some insurance policies may offer assistance, coverage often depends on specific circumstances.

Understanding Standard Policies

Many standard homeowners’ insurance policies exclude mold removal, considering it the homeowner’s responsibility. However, some companies may provide coverage in certain situations. For example, if safety concerns or restrictions from authorities prevent you from removing water promptly, your insurance company might cover mold remediation costs.

Common Exclusions to Coverage

Private insurance companies may offer mold removal coverage, but exclusions are common. These exclusions often apply to standard insurance providers as well. Insurers typically assess whether water was removed promptly after a flood. Mold removal may only be covered if safety concerns or official restrictions prevented you from entering your home to address the water damage.

If you delay cleanup for several weeks and cannot prove that authorities restricted access to your home or that it was unsafe, your claim may be denied due to a lack of preventative maintenance. An agent at Attain Insurance can provide further clarification on these policies.

Previous Issues That Impact Claims

Claims are often denied if a homeowner had pre-existing issues that contributed to mold growth. For instance, a leaky pipe or roof may have already caused mold to develop before the flood. In such cases, the flood may have accelerated mold growth, but the insurer may not consider all the mold damage to be directly caused by the flood.

Understanding what your policy covers can be challenging. The experienced agents at Attain Insurance are here to help. Contact us today to learn more. We proudly serve the Fort Payne, AL, area.

Does Classic Car Insurance Cover Spare Parts and Restoration Projects?

Posted on by agentinsure

If you own a classic car, you know it’s more than just a vehicle—it’s a labor of love. Whether you’re restoring a vintage beauty piece by piece or keeping a prized show car in pristine condition, maintaining a classic car requires dedication. At Attain Insurance in Fort Payne, AL, we often get asked: does classic car insurance cover spare parts and ongoing restoration projects? It’s an important question that deserves a closer look.

Coverage for Spare Parts

Classic car owners often collect rare and hard-to-find parts over time, such as original carburetors, chrome bumpers, or unique emblems. The good news is that many classic car insurance policies offer coverage for spare parts, even if they’re not currently installed on the vehicle. However, this coverage typically comes with a limit, so it’s essential to review your policy and consider increasing the coverage if needed.

What About Restoration Projects?

If your classic car is a work in progress, insurance coverage can become more complex. Some insurers only provide coverage once the vehicle is drivable, while others offer protection during each phase of the restoration process. This may include coverage for theft, fire, or other damages that could occur while the car is in storage or at a shop. To ensure proper coverage, it’s important to inform your insurer about the car’s current condition and your restoration plans.

Comprehensive Protection for Your Investment

Classic cars represent an investment of time, money, and passion. Don’t let gaps in coverage leave you vulnerable. If you’re unsure whether your current policy protects your spare parts or restoration efforts, contact Attain Insurance in Fort Payne, AL. We’ll help you build a policy that honors the full value of your classic ride and provides peace of mind.