CUSTOMER NEWSLETTER
Volume 1, Issue 3
June 2010
Avoiding the Greatest
Danger of Roof Collapse,
Falling of Branches and
Trees
Throughout the United States, trees cause
millions of dollars of roof damage each year. You're probably more likely
to experience damage to your roof caused by falling trees than you are from any
other source. And although your insurance policy covers many types of roof
damage and liability caused by trees, you could still face deductible payments,
and lawsuits that exceed your policy protection.
Tree experts offer several tips for minimizing
the danger that trees present to your property. First, don't plant trees
too close to your house. If you buy a tree from a nursery, follow the
recommended planting distance from your house, your neighbor's house, or other
structures.
If you already have mature trees on your
property, maintain them well. Hire a licensed, insured, professional tree
service to properly trim the tree, and to keep branches from dangerously
overhanging your property or your neighbors' property. You can be held
responsible for damage that your trees cause to your neighbors' property.
In most instances, your neighbors may trim any parts of your trees or shrubbery
that overhang their property. Be a good neighbor, and have a professional
make sure that your trees don't endanger your house or your neighbors' house.
We are celebrating a
Century of Service!
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Protect your home,
your car, your
savings and your
family with a
Personal Umbrella!
You work hard
to provide for your family ... a
nice home, a car or two,and
savings for a vacation. You’re
not rich, but you make a good
living. And it could all be gone
in an instant. Lawsuits are
commonplace these days, and not
just against the rich and
famous; anyone can be sued.
Middle-class Americans can find
themselves facing a lawsuit
about any number of issues.
Could it happen to you? Would
you and your family be protected
if it did?
BUT I THOUGHT THAT’S WHY I
HAVE INSURANCE?
Basic
insurance protection for your
home and your cars will most
certainly help. But if your
homeowners liability coverage
limit is $300,000, how much will
that cover in a lawsuit where
the judgment against you could
be sufficiently larger? Normal
policy limits just aren’t enough
to cover the large court
settlements we’re seeing today.
Let’s say you
caused an accident with a school
bus that injured several
children. As a result, you were
responsible for paying for their
medical needs plus any civil
judgments placed against you.
Without our personal umbrella
policy, you would need to use
your personal assets to make
these payments once the limits
of your basic auto policy are
exhausted.
EXTRA
PROTECTION
Our personal
umbrella policy protects you
against amounts above the limits
of your basic policies (auto,
homeowners and boat/watercraft).
For example, your homeowners
liability limit is $300,000,
your personal umbrella limit is
$1 million, and the claims
against you total $800,000. In
this case, your homeowners
policy will pay the first
$300,000. Then your personal
umbrella policy would pick up
the remaining $500,000. We’ll
also pay the cost of defending
you in court ... even once
you’ve met your basic policy
limit.
Our personal
umbrella policy protects you
when your basic policies won’t.
For instance, we’ll cover libel,
slander, defamation of
character, and other personal
injury lawsuits that may not be
part of your basic insurance
policy.
CAN I AFFORD
EVEN MORE INSURANCE?
A personal
umbrella policy from South-West
Insurance is extremely
affordable. Depending on your
needs and other underwriting
criteria, you can purchase a $1
million personal umbrella policy
for only a few hundred dollars
each year. We can help you
determine the correct limit for
you, based on your needs.
Our mission is to provide
unequalled service for our clients
as we support our community through volunteer efforts
and financial support.
South-West Insurance
Customer Newsletter
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