Your Neighbor’s Dead Tree

Dustin from Tipton recently asked me a great question. He asks,

“If my neighbor has a tree that is dead and could possibly hit my house if it falls. How do I go about making sure that if their stuff falls on my house that I don’t have to pay for it?”

Yes, it’s true. If your neighbor’s tree falls on your property and causes damages, you are responsible for the damages to your own property. Meaning if there is enough damage for an insurance claim, it would hit your policy. storm-843732_1920

However there could be an exception to that rule if you have noticed the dead tree and asked your neighbor to cut down the tree or remove the hazard. The key is to give your neighbor proper notice of your concern, establish a paper trail, and ask him to remove the hazard.

Here are some suggested steps that you can take

  1. Verbally tell your neighbor of your concern and ask if he will remove the hazard. Most of the time this is the only step you will need to take as most people want to be good neighbors. It could even be a project you and your neighbor could work on together.
  2. If your neighbor will not comply, the next step would be to send him something in writing. An email or certified letter would be ideal. At this point you are looking to establish a paper trail of notices and requests. I would try this step several times before moving on to step 3.
  3. If significant time has passed and your neighbor is either ignoring your requests or does not indicate he will comply with your request you may want to get a third party involved. You could ask your homeowners association, local town board, or an attorney to send a letter to the neighbor on your behalf.

Remember, this is still America and your neighbor has rights, and in most instances, there is actually nothing you can do to make him remove the hazard. You are simply establishing a paper trail that you may need at some point in the future. You want to be able to show an insurance adjuster that you gave your neighbor plenty of warnings and requests of your concern.

If there is ever an event that involves that hazard, your insurance adjuster may be able to take the paper trail that you provide him and hold your neighbor accountable for your financial loss.  In most cases the insurance company would first take care of your damages, and then pursue other actions to get the money back from the neighbor.

Referring Partner Rewards Program

FOR IMMEDIATE RELEASE

Bragg Insurance Agency Announces

Referring Partner Rewards Program

Free Gas Card

Bragg Insurance Agency (BIA) will be rewarding our clients and members of our community for referring their friends and family to our agency.  Each qualified referral will earn the referring partner a $10 gift card (no purchase necessary).  The referring partner’s name will then be entered into a drawing at the end of that month for an additional $50 gift card.  In addition the referring partner’s name will be entered into another drawing to take place twice per year for a $100 gift card.

There is no limit to the number of gift cards that can be earned   Purchase is not necessary to enter and win!  A referring partner could potentially earn up to $160 for a single referral!

A qualified referral is a person or business that has a verifiable need for an insurance product that BIA offers;  is not a current customer of BIA; has not been a customer of BIA within the past 90 days;  and hasn’t applied for insurance with BIA within the past 90 days.

Call Brian Bragg at 317-758-5828 for all of the details and to learn how you can become a BIA referring partner!

Don’t Set It & Forget It

KneeI got good news today from my doctor, telling me that instead of the surgery I was dreading for my worn out knees, that I likely just need Physical Therapy (PT).  For many reasons this is welcomed news as well as an eye opener for me.

The reason for the PT is because years ago I had my knees operated on and then I just moved on with life.  I failed to do any PT after the surgery and the muscles in my legs never fully recovered.  I just moved on and forgot about it.

The bad news is that my knees are now weak and in bad need of PT, the good news is that I can now do something about it.  I met with a physical therapist and he has me on a plan to help me strengthen my knees that will help improve my life.

The attitude that I had about my knees reminds me of the attitudes some people have  toward their insurance plan.

Insurance AgentThey meet with an insurance person once, purchase a policy and then move on with life.  They “Set it and Forget it.”

Insurance is not a “Set it and Forget It”.  It is important that you review your coverages with your agent at least every 12 months.  Another important time to review your coverages is when you have a “Life Event”, such as a wedding, a new driver, or a new room addition to your house.

Don’t treat your insurance plan like I did my knees.  Take the time to review your coverages as often as necessary with your agent.  Life changes and your insurance needs will change with your life.

Sports, Events & Recreation Insurance

Sports and Recreation are American’s favorite pastime, but for many the pastime becomes an obsession.  We put great athletes on pedestals and aspire to be like our favorite sportsman or sportswoman.  This pushes us to work hard to accomplish our goals and win the prize.  And sometimes we go too far.motorbike-438464_960_720

Going to far often times leads to injury or even death.  These injuries can be as simple as a twisted ankle or as a sever as a heart attack or anything in-between, and in our litigious society you better have a plan to cover your team, your league, your facilities and your own personal assets.

Bragg Insurance Agency is excited to offer Sports and Recreation Insurance.  Below is a partial list of some of the sports, events, and recreational activities that we can insure.  Before you hit the field…Call Bragg!

  • Religious Camps
  • Conference Centers
  • Retreat Camps
  • Fairs & Festivals
  • Political Campaigns and Events
  • Tourist Attractions
  • Trade Shows
  • Zoos & Aquariums
  • Motorcycle Dealerships
  • Dirt Bikes an Motocross Bikes
  • Health & Fitness Facilities
  • Skating Facilities
  • Amateur Sports Associations
  • Amateur Sports Events
  • Athletic Conferences
  • Coaches & Officials
  • High School Athletics
  • Sports Camps
  • Racing
  • Tractor & Truck Pulls
  • Climbing Walls
  • Carriage Rides
  • Bowling & Billiard Centers
  • Movie Theaters
  • Social Clubs
  • Gymnastic Clubs
  • Martial Arts Schools
  • Concessionaires
  • AND MANY MORE

 

 

Finding Motivation After a Long Weekend

It’s Tuesday the day after Labor Day Weekend and most people are not excited to be back at work.  So here are some motivational tips that may help you to get back into the groove.sleepy

Make a Plan – It may sound too simple and maybe even a little dull, but making a plan can help you to get more accomplished.  Even a simple checklist can get you going in the right direction.

Get up and Walk Around – Instead of just sitting at your desk  or your workstation like a zombie get up and walk around and greet your fellow workers.  If you job doesn’t allow you to walk around then go for a walk on your lunch time.  Get the blood pumping by moving around.  For every 60 minutes of work, get up and move around for 10.

Turn off the Distractions – Yes this means your phone needs to be either put on silent or just turned off.  Those pesky alerts are distracting enough on a regular day, on a day after a long holiday can really kill your production.

Focus – Focus on one thing at a time.  Instead of multi-tasking and becoming overwhelmed, simply just do one thing at a time.  This will help you to see some success, and success breeds success.

Drink Water – Instead of pounding down that 2nd, 3rd, or 4th cup of coffee, drink water.  Water will hydrate you and give you energy and the ability to focus.  I’m not a barbarian so yes go ahead have a cup of coffee but too much caffeine can make if difficult to focus on one thing and be counter productive.

 

 

 

Insurance Video Library Now Open!

 

Bragg Insurance Agency is excited to announce the opening of our video information Library!  This new tool developed for Bragg Insurance Agency clients will help to answer many of your questions about how your insurance coverages work.  insurance-agent

To visit the Insurance Video Library you can click on the following link.  http://myinsurancevideos.com/all-videos/braggins/

We are hopeful that these 36 videos will help our community to make great decisions about their insurance coverages!

Erie Insurance Earns JD Power Award for 5th Consecutive Year

Bragg Insurance Agency is proud to offer Erie Insurance products and works hard to make the customer buying experience an easy and pleasant one.  Erie’s excellent reputation with how they handle claims along with their awesome buying experience makes Erie a company hard to beat.

Bragg Insurance Agency-final fileOn May 3rd of this year the put out the following press release in regards to the JD Power award.

For the fifth year in a row, Erie Insurance received the highest ranking in Customer Satisfaction with the Auto Insurance Purchase Experience in the J.D. Power Insurance Shopping Study. In 2017, Erie Insurance received a score of 879 out of 1,000.

“In this digital age, we strive to provide our agents with the right tools to reach .  Customers in ways they prefer and expect, but still reflect our hallmark of service,” said Tim NeCastro, president and CEO of Erie Insurance. “A customer might start an insurance search online, but we believe it should end with a handshake.” Erie-Insurance

The Insurance Shopping Study provides a detailed look at the customer experience in shopping for a new auto insurance policy. It explores what prompts someone to shop for insurance and which factors contribute to the purchase decision. Three factors were measured to determine overall satisfaction. They are, in order of importance: price, distribution channel and policy offerings