Archive for the ‘Home Insurance’ Category

Listen to KFYI or KGME and you will hear Frank Capparelle Sr talk about the great benefits of having AnCap Insurance be your agent.  KFYI is AM 550 in Phoenix, AZ. KGME is AM 910 in Phoenix, AZ. KGME also has streaming and you can hear the ads online! Of course if you can’t wait to hear our great advertisements, go to the home page and you can hear them right now!!

If you were in Phoenix, Arizona or any of its surrounding cities on October 5, 2010, you took part in the crazy weather that blew threw the town. On the following day AnCap Insurance got over 70 calls!  Many people across the valley had damage due to hail, wind and rain.  One company that AnCap works with got almost 600 claims resulting from that damage. 90% were hail related claims. 

These types of claims are still subject to your deductible and are considered a comprehensive claim. Our advice to your customers was to make sure the damage was over the deductible before they call and make a claim.  Please be patient with the insurance companies, there were many claims called in last week.  To the right you will see a map of Phoenix showing the areas that were hit the hardest.

Yesterday was the official beginning of monsoon season here in the valley. In 2008, the National Weather Association decided that instead of guessing when the monsoon season would begin that they would give the season official dates. The dates are June 15th through September 30th. Even though these are the official dates of the season, the average starting date is July 7th. Normally the season will leave us on September 13th. What qualifies as a monsoon day? The dew point average must be 55 or higher. In history the worst monsoon season that Phoenix had ever encountered was 1984. It was the wettest with over 9 inches of rain!! 1984 also had the most consecutive days, coming in at 72.

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Have you started a small business that you run from your living room?  Maybe you are a photographer, or pet groomer. What about cosmetic sales? Do you know what coverages are needed even for the small picture framing business? Most homeowners companies will not cover a loss for the business materials that you have on site for your small business. Some insurance companies might even drop your policy all together if they knew about the taxidermy company that you are running. There are some options for your company that can be affordable, depending on the business you have decided to start.

 What do I need??

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This past weekend I was flipping through the channel and landed on a popular HGTV show, Holmes on Homes.  The shows premise is to educate homeowners that hire shady contractors to renovate their home. When shortcuts are taken it leaves the homeowner in a possible dangerous situation. The episode that aired on May 30,2010 (and will air again on June 23, 2010 if you are interested), had a slightly different twist. The homeowner was actually renting out an investment property when the police raided it and called the owner to inform her that the tenants had been engaging in an extensive marijuana operation.

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Arizona is well known for consistently being above the national average for drowning deaths. On average 90 people will die from drowning in Arizona each year. Most of these tragic deaths will happen between April & August. 20% of these accidents are related to swimming pools.

Do you know what the law says about pool safety??

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There are nearly 74.8 million dogs in the United States. There are approximately 800,000 bites each year. Maricopa reported just under 5800 bites in 2009. Nearly 80% of dog attacks are to friends or family of the dog owner. May 16-22 is Dog Bite Prevention week in Maricopa County.

All dog owners need to understand their potential liability should their animal bite, maul or, heaven forbid, kill someone. A single bite could cost you tens of thousands of dollars — a lawsuit, hundreds of thousands — and your insurance coverage might not apply. If the attack is especially serious, you could even go to jail.

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