Hurricane Dorian – Important Information

Dear Customer and Friend,
 
With Hurricane Dorian approaching, currently forecasted as a major storm, I want you to know that the Pritchards And Associates Agency Family is here to assist you.  As it appears right now, Dorian will reach us on Tuesday, September 3rd (although that could surely change.) We will be closed Saturday, Sunday and Monday due to the holiday and the hurricane. As weather and damages permit, we will be open for business again as soon as possible. 
 
Should you have a claim, please do the following, being careful to follow the instructions explicitly:
 
1 – Please visit, ahead of time, our website (www.pritchardsinc.com), our blog (especially THIS PAGE), our Facebook Page (https://www.facebook.com/pritchardsinc/), and the two web pages mentioned below, so you are aware of how to reach out to both your insurance company and us, and how to report a claim and mitigate your losses.  We have a lot of information there that you will find useful to help you both through and after the storm. A list of insurance carriers and their contact information can be found HERE and HERE. 

2 – After the storm, call or email your insurance company as soon as possible. Carefully copy down your claim number and call or email us with that claim number. Be sure to state the extent of the damage and if your home is or is not livable. 

3 – Please keep our Agency in the loop if you have questions about or difficulties during the claim process. Remember, a company is only as good as the person you are dealing with. If you have problems along the way in the processing of your claim, please know that while we can’t work miracles, we often can get to the bottom of things that are slowing the resolution of a claim.

4 – For your benefit, keep a claim diary notated with the date and time of all your discussions and contacts with insurance company personnel and their titles, our Agency, your field adjuster, contractors, engineers etc. Do this from the very beginning of the claim and continue until your claim is closed. Keep a copy of all correspondence from anyone associated with the claim. You will likely be dealing with both an in-house adjuster and a field adjuster. The first one, the insurance company desk adjuster, deals with your claim in regard to your policy coverages, and the field adjuster deals with assessing the actual damages. 

5 – Also, please remember that being kind goes a long way. After the last hurricane, two of our own associates had total losses with their homes and yet they were here at work right away, helping others all day. You should be able to reach both us and your insurance company by email or phone after the storm passes. Please understand that we will be handling many inquiries and there could be a delay in getting through because of the volume of calls coming in at one time. We will have our entire staff available and on the phone helping people the first few days after the storm. 

6 – You can reach Pritchards And Associates at the following phone numbers: In the Okeechobee area = (863) 763-7711. Along the coast = (877) 763-6625.’

We pray for your safety and wish you the very best as we face this serious situation.

Sincerely,

Lowell H. Pritchard
General Lines Agent

Romans 15:13

Getting the Most From Your Life Insurance Options

You retired to Okeechobee, FL, and you want life insurance that will protect you and your family from issues. Therefore, you need to talk to us at Pritchards and Associates Inc. right away to learn more about what you can do to ensure that your policy is as high-quality as possible.

Pay Attention to Payout Rates

When buying life insurance, make sure that your policy pays out at a reasonable time. Some plans will take a few weeks to go into effect after a person dies. Others will go into effect almost immediately. The differences mostly lie in the policy cost and what you pay.

For example, more expensive policies typically utilize incentives – such as faster payouts – to get you to buy. And other plans have to pass through a few hands and get some specific execution before they work. So read through what to expect to ensure that you get the most from your policy.

Visit Your Doctor Right Away

Many people try to get a life insurance policy without talking to a doctor. This step is often a mistake because a company may penalize you if they find out you had a health problem before taking to them. However, they are willing to work with you if you have certain illnesses.

For example, if you spot a health problem that could affect your policy, you want to know sooner rather than later. When you see what is happening earlier, you can talk with your insurance provider and find a plan that is specific to that unique situation and save yourself the cash.

We Can Help You

So if you live in Okeechobee, FL and you want high-quality life insurance, please contact us at Pritchards and Associates Inc. to learn more. Our experts will sit down with you and come up with a plan that serves your needs comprehensively and effectively.