Month: October 2016

If A Tree Fell…Would Home Insurance Cover The Damage?

Posted on by AgentInsure

The recent devastation of Hurricane Matthew has a lot of residents of Woodstock, GA contacting us at Peter Laczko Insurance Inc. and asking about falling tree damage to their home. It is an understandable concern and one that must be fully understood before making an insurance claim.

Most Policies Will Cover Falling Damage…Usually

While most home insurance policies will cover damage to your home caused by a falling tree, there are certain limitations which apply. For example, you must pay your deductible before insurance will cover anything. So if the damage repair cost is lower than the deductible, you will receive no coverage.

Coverage will also be denied if the tree fell due to neglect on your part, such as failure to maintain the tree’s health or removing it if it was dead. The tree must have fallen due to no-fault of yours, such as during the extreme weather conditions of a hurricane. Tree removal is also not covered if your home wasn’t damaged by the falling tree.

Coverage For A Neighbor’s Falling Tree Is More Complex

If your home is damaged by a neighbor’s falling tree, your home insurance policy is likely to cover the damage. The same is true if a tree from your property falls and damages their house. However, if neglect is proven in either case, home insurance will not cover the damage. These unfortunate situations often result in lawsuits, so it is best to work with your neighbor to keep your trees in great health.

Contact Us Today

If you live in Woodstock, GA and suffered from falling tree damage to your home after a severe storm, please contact us at Peter Laczko Insurance Inc. today. We can help you understand your rights and get you the insurance coverage that you deserve.

Dealing with Teen Auto Insurance in Woodstock, GA

Posted on by AgentInsure

If you live in the city of Woodstock, GA, you should familiarize yourself with auto insurance policies in the state of Georgia. If you have a teen who is about to start driving in this state, you will want to know exactly what you need to do and what auto insurance policies you should know about that can help you in this situation.

Dealing with the knowledge that your teenager is soon going to be behind the wheel of a car can be stressful enough without having to think about the insurance aspect. This is why it is important to be as well versed as possible when it comes to auto insurance for teens. Georgia teenagers who are driving with their instructional permits and being supervised by a licensed adult do not need to have their own auto insurance policies. However, they will need auto insurance when they start driving on their own. Most of the time, families will add teens to their existing policies. The risk of an accident is significantly higher for a teen driver when compared to that for an adult driver, and this is particularly true during the first year that the teen is driving. However, there are few things that you can do to help minimize auto insurance costs. You can raise your deductibles so that the premiums are lower, walking the discounts that are offered by the company, share vehicles within your household, and avoid SUVs and sports cars. Additionally, be as involved as you can with the learning process, and make sure that your teen gets as much practice behind the wheel as possible. 

If you are interested in learning more about how auto insurance applies to a new teenage driver and other aspects of auto insurance in the state of Georgia, you should contact the professionals at Peter Laczko Insurance, Inc. The insurance agents at Peter Laczko Insurance, Inc. will be able to tell you everything you wanted to know about auto insurance and answer any questions that you may have about how this coverage applies to you as a resident of Woodstock, GA.