What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
9500 S Dadeland Blvd Ste 801Miami, FL 33156
From Business: The advisor listed is an Ameriprise financial advisor in Miami. Comments are not verified, may not be accurate and are not necessarily representative of the exper…
689 Grand AvenueMiami, FL 33181
From Business: Greene 24/7 Appliance Repair, we are a complete appliance repair company that has been in business for many years. We are recognized for providing outstanding ser…
3443 Boundary StreetHialeah, FL 33012
From Business: Greene 24/7 Appliance Repair Fl, we are a complete appliance repair company that has been in business for many years. We are recognized for providing outstanding …
In the event of a disaster that affects your home and property, what are your options?
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I have been having an impossible time trying to find someone who could help me understand this insurance marketplace after my insurance company dropped my plan. i literally called 5 different companies and spoke w several different ppl who gave me incorrect or insufficient information. Finally I ended up using google to do my own research and found the company phone numbers to the individual health insurances offered on the market place. I called them all but the only one who seemed interested in helping me was this man named Keith from Molina healthcare. Keith sent my info to some brokers in the area that were supposed to get back to me and never did. I called keith back a few weeks later to let him know and he was so devastated he said he would make it his first priority to find me a broker who would take the matter seriously. The next day he referred two different brokers. I called the first one and got an agent named Danny Delgado. I could tell from the first 4 sentences that he was the first agent Ive talked to that is fully knowledgeable on all this new healthcare marketplace stuff. He explained in laymens terms all the different health care options and how each differentiated from the others. I honestly feel 100 percent more educated on the subject myself after speaking with him. He helped me choose the most appropriate plan for me and was not focused on trying to get me to spend as much as possible in fact he found me the cheapest plan ive seen so far. I usually dont go out of my way to write long reviews unless im really disappointed in something I will give credit where it is due and but Keith (of Molina Healthcare) and Danny (of Super Insurance) need to be recognized for being 2 of the few that take their job seriously now adays. I applaud you both.
Highly recommend. Through extensive research, I decided to hire them because they were GAF certified to install a TPO roof. My initial contact was with Angel Suarez, their customer service/salesman representative. A free estimate was prepared in a very timely manner. I had MANY questions of which he went above and beyond to answer in full detail. He was always polite, courteous, professional and returned all my phone calls promptly. Their estimate was on the higher side of the spectrum but still reasonable and competitive in the market. Upon signing the contract, Project Manager Jorge Mosquera was assigned to the job. The roof had to be completed within a certain time frame due to my availability. He made every effort to accommodate my request and commenced/completed the work within that period of time, as promised. Installers worked diligently and were very neat in their daily tasks. Although there may have been minor issues during installation, Jorge addressed all concerns and corrected them without hesitation. He kept me updated on their daily progress and even took pictures of the roof to show me. Upon completion of work and final city inspections, GAF also inspected roof to validate a 20 year NDL manufacturers warranty that includes material and labor. T&S was rated a project quality rating of a "10.0", highest rating given, by GAF. I am extremely pleased to hear of these results and look forward to a "worry-free" roof for many years to come. Thanks T&S Roofing for your dedication in making customer service a priority !
Desde que nosotros compramos la casa en el 2015, sabiamos que ibamos a necesitar cambiar el techo. Asi que en Octubre de 2016, nos dimos a la tarea de contactar varias companias que nos dieran propuestas para hacer nuestro techo. Entre esas 5 companias, T&S Roofing se destaco por su buen servicio, multiples opciones y una asesoria completa para escoger dentro de nuestro presupuesto, la mejor opcion. Adicionalmente, como nosotros estabamos interesados en utilizar Ygreen para financiar el proyecto, nos ayudaron para lograr conseguir la aprobacion de manera rapida y sin contratiempos.Una vez firmado el contrato y aprobados los fondos, el apoyo, la asesoria y el manejo del personal de trabajo, fue impecable. Notamos que no solo el personal administrativo era muy amable y dedicado al cliente, sino el personal de campo que trabajo en nuestro techo, siempre fueron muy profesionales, cuidadosos, atentos y muy serviciales. Realmente, recomiendo con 5 estrellas y muchas mas a T&S Roofing. Una compania que si entiende que es servir al cliente de comienzo hasta el final. Muy profesional, el trabajo que hacen es impecable. Nosotros quedamos muy satisfechos con nuestro techo, felices! Gracias Maycol, Jorge, Jose, Raul y todos los demas que participaron en nuestro proyecto, ustedes saben lo que hacen y lo hacen muy bien!!!
I have just finalized my roofing project with T&S Roofing, Inc. I was extremely content with all aspects of the work and especially impressed in how quickly the roof was replaced. I called T&S Roofing for a roof quote and Ralph the sales manager took time to gather all the necessary information and documentation needed for the roof project. I was scheduled to meet Angel Suarez, roofing consultant in Palmetto Bay, and I have to say that every question I had about my roof Angel addressed before I even asked. He was also prompt with returning the final roof quote. Two days before the project, we had a meeting with Jorge Mosquera, our project manager and he prepared us for what was to come. Throughout the project Jorge showed up on a daily basis and he made sure to answer all our questions, address our concerns, inspect the work and also completed the roofing project in less than a week!! My wife and I are extremely satisfied with the end result and we have already recommended T&S Roofing to our neighbors, friends and family!
We signed a contract with T&S Roofing for a whole reroof based on their reputation and their courteous sales rep Danny who from the beginning explained everything in great detail and made me feel at ease with giving them the job. Not to mention the cost was competitive with respect to other estimates I had gotten. There was a bit of a delay getting going as we had to wait on the HOA approval but once everything got approved and the permit was obtained, it was seamless throughout. I have to hand it to the Project Manager, Troy, who was there from the start explaining every part of the process to me as things moved along, and going out of his way to make sure I had my needs met. He did an outstanding job following up with me and ensuring the project stayed on schedule. He built a relationship with me and because of the trust he’s earned, I now call him a friend. I will definitely be going back to T&S Roofing for all my future roofing needs.
We had a need to replace our roof which created a very comprehensive search for the right roof and more important, roof company. After receiving bids and proposals, we settled on T&S Roofing. The sales person Mike, promptly showed up for our appointment and was very prepared. He had details of the entire job complete with photos of samples, references and most impressive, quotes from competitors. He prepared us for ambiguities in their quotes where materials used were not disclosed and he was correct. Our project manager Troy, stepped in to continue the process and was tested when there was a misunderstanding. He reassured us by pledging his and T&S Roofing guarantee to correct an error. Troy communicated constantly with daily preview of events and a wrap up of activity complete with photos.I am extremely pleased with T&S Roofing and their employees especially Mike & Troy and would highly recommend them. Job well done !!
This place was a great find! I saw their website online and was amazed with the furniture they offer. Everything on their website was beautiful so I decided to take a visit to the store to get a good feeling of the quality and the finishes and was very excited to see that it was all perfect! The place is run by the owners who were very nice and wonderful. The service was impeccable and they helped me design my recently renovated living room/entertainment area. I picked what I liked, and I was happy to find out that everything was in stock and I could receive my purchase very quickly!Everything was delivered to my house when promised and in perfect condition. The delivery guys installed everything with precision and were very professionals. I recommend everyone to check out their high quality furniture at their store in Aventura. I am sure I will get all of my furniture from them from now on!
My husband and I have just replaced our roof with T&S Roofing Systems, Inc. I’d like to start off by saying that from the first engagement with our roof consultant, Angel Suarez and our project manager, Jorge Mosquera, we knew that we were in good hands. We actually did our roof along with our neighbor simultaneously and T&S finalized both roofs in less than 2 weeks as promised, right before Thanksgiving. We are extremely pleased with everyone involved. Great customer service, they answered all our questions and made this as easy and as pleasant as can be. Property was kept cleaned and Jorge made sure to move the job forward and treated this project as if it was his house. They actually had a magnet roller that they would pass to make sure they picked up all nails around property. I highly recommend T&S Roofing to anyone looking to repair or fully replace their roof. Mr. & Mrs. Lindberg
We were very pleased with our experience using T and S Roofing in replacing our twenty year old Shingle roof. T and S installed a new roof in a timely fashion professional fashion.Our project manager Jorge Mosquera was on top of his game. Before the project began, Jorge sat with us explained every step of the way. The office informed us the week before and then again the day before that work would commence. Jorge kept us aware of everything happening. Even when something was not to our satisfaction, Jorge went out of his way to make everything perfect. Jorge kept his word and made sure we were more than satisfied customers. They also did some extra painting and we want to thank David Malave for the extra help.We highly recommend using T and S for roofing work and request Jorge Mosquera to be your project manager.
We live in the Grove and had a living room with a layout that was difficult to redecorate - We tried several interior decorators and got nothing that we liked. Then one day, while walking thru the Coconut Grove Gallery we saw a very cute two chairs and table that looked like they might solve our seating problem. The Gallery brought them over for a try-out and they were perfect! We let them suggest other items and today we have a living room that we love! I think the best thing is that they let you try it in your home before making the purchase decision. We checked prices and they are not much more than the web, and you get a designer and in-house tryout.
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.