Month: December 2020

Tips for getting your home ready for winter

Posted on by AgentInsure

Your home is a major investment and making sure it is always protected from as many things that can go wrong as possible is important. There are many ways you can protect your home. Doing the necessary maintenance is one and having a good home insurance policy is another. How can you tell if you have a good home insurance policy? If you live in Huntington, TX, you can talk to the knowledgeable team at Integra Insurance Services. They will provide the information you need to make an informed decision and welcome you into the Integra family. 

Check the chimney

If you have a fireplace and you want to use it, you must make sure that not only is your chimney in good repair but that it is clean. Having a chimney fire can cause a lot of damage and it is easily avoidable with proper maintenance. 

Clean the gutters

One of the hallmarks of Fall is the beautifully colored leaves. Those same leaves end up falling on to your roof and eventually end up in your gutters and downspouts. This is not a good thing and can lead to water backing up and causing damage to not only your roof but potentially your walls and ceilings.  

Change the batteries

This is the time of year to change the batteries in your smoke and carbon dioxide detectors. They should be changed twice a year to provide safety. 

Tune-up the furnace

Having your furnace working at maximum efficiency saves you money and provides a safe home for your family. This involves cleaning  the main unit and changing the filters

At  Integra Insurance Services in Huntington, TX, we look forward to working with you to make sure you have the right home insurance. As independent agents, we can provide more choices and we will give you a quality home insurance quote at our office, on the phone, or online. 

In Case of Natural Disaster, Here’s What You Need To Know About Texas Auto Insurance

Posted on by AgentInsure

Unfortunately, natural disasters are occurring now more than ever due to the climate crisis. For Huntington, TX residents that means that floods, hail, strong winds, and storms are wreaking havoc on the area. In case one of these catastrophes damages your car, Integra Insurance Services has explained below what Texas locals need to know about their auto insurance.

Prepare With Your Insurance Company

1.         Make sure you have comprehensive auto insurance. This policy covers damage to your car caused by flooding, hail, fire, or wind.

2.         Double check what your deductible is in case you end up filing a claim.

3.         Make an inventory of what’s in your car. Similar to home insurance, this helps both you and your insurance company calculate any costs of damage. 

What To Do If A Natural Disaster Damages Your Car

Unfortunately, if your car was damaged or totaled from floods, hail, storms, or fire, you have to make a few calls.

•           File a claim as quickly as possible.

•           Keep a record of everyone you talked to.

•           Be ready to answer any questions about the damage.

•           Ask about completing an advanced payment if you need help ASAP.

What Insurance Companies Look For

After you file a claim for natural disaster damage, Integra Insurance Services and other insurance companies will compare the car’s actual cash value to the cost of repairs. 

•           If the cost of fixing it is more than its worth, then the car is considered totaled.

•           As another rule of thumb, if water from flooding reaches the dashboard, it’s considered a total loss.

Are you looking for comprehensive auto insurance or other insurance policies? Contact Integra Insurance Services in Huntington, TX for more information on how to protect your car, home, or business from instances like natural disasters.