Frees Advice

Claims Payment Process

Posted on November 15, 2018 by Taylor Payne

After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here’s what you need to know about claims payments.

The initial payment isn’t final
In most instances, an adjuster will inspect the…

Space Heater Safety

Posted on by Taylor Payne

Portable electric space heaters can be a convenient source of supplemental heat for your home in cold weather. Unfortunately, they can pose significant fire and electric shock hazards if not used properly. Fire and electrical hazards can be caused by space heaters without adequate safety features, space heaters placed near combustibles, or space heaters that are improperly plugged in.

Safety should always be a top…

Election Day 2018

Posted on November 5, 2018 by Taylor Payne

“When in the course of human events it becomes necessary for one people to dissolve the political bands which have connected them with another….” “We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness….” For those of you who…

Fall Housekeeping

Posted on September 20, 2018 by Taylor Payne

School has started. Political ads are running for the November election. That can only mean one thing. Winter is on its way. In preparation for the cold weather, we would like to suggest the following checklist to make sure that you and your house are ready for the change of seasons.

Monitor the falling leaves to make sure your gutters remain clear.
If you…

Water My Coverage Options?

Posted on September 14, 2018 by Taylor Payne

We have certainly dealt with our fair share of rain this summer. Long range forecasts predict continued bad weather on top of the torrential rains we have experienced.  Frees Insurance wants to make you aware of a potential gap in coverage on your home insurance policy. While your policy provides protection for water damage from a broken pipe, you may not currently have any coverage…

Happy Labor Day!

Posted on August 31, 2018 by Taylor Payne

This Monday commemorates Labor Day. The day is dedicated to more than just the unofficial end of summer, the official start of the school year, or the final gasp before election commercial start. The day is dedicated to the celebration of the labor movement here in America and honors the social and economic achievements of all American workers. It is to recognize the contributions made…

The Rogue Death Wave

Posted on August 15, 2018 by Taylor Payne

In boating, there is a term called the rogue wave. This is a huge destructive wave that comes out of nowhere with disastrous effects. Death can do the same thing. As we all know, death comes too soon. We all die too soon.
It was Franklin that said “Only two things are certain; Death and taxes.” It is just as important to be prepared for…

Underground Lines

Posted on July 19, 2018 by Taylor Payne

There is a huge difference between insurance and a warranty. Insurance pays, typically, for things that occur suddenly and accidentally” AND they are NOT maintenance issues. So, when you hot water heater fails and the water runs all over your basement, the insurance pays to clean up the mess. It does not pay to replace the water heater. The same goes if you need a…

Rental Cars: Buy the Insurance?

Posted on July 11, 2018 by Taylor Payne

We are in the heat of the summer and everyone knows what that means. Vacation! We’ve been waiting since this time last year to finally take some (hopefully) uninterrupted time out of the office. We get asked on a regular basis about rental car insurance on vacation. To buy the “expensive” rental coverage through the company or not? As long as you are within…

Father’s Day

Posted on June 12, 2018 by Taylor Payne

Searching for the right gift for your husband this Father’s Day? Forget the expensive silk tie, do-it-all DIY tool or the latest high-tech electronics and get the father in your life something he really needs: additional life insurance.

Perhaps your husband, like most men, carries some life insurance. A study showed that about 74% of husbands have life insurance coverage (LIMRA…