Holiday Claims Etler-Kettenacker wants to wish all of our clients and readers a Happy Holiday Season!  This week EK Agency posted an article on the types of holiday claims that are often seen by insurers during the holiday season.  To see the full article about holiday claims visit http://www.ekagency.com/holiday/claims.aspx.    If you need any of us at EK Agency over the holiday season please contact us with questions or concerns if you should have any h...

Etler-Kettenacker Agency’s Disaster Preparation Paid Off Early morning January 10th, EK Agency’s disaster preparation was put to the test.  All week EK Agency had been servicing many of their clients with water burst claims due to last week’s sudden plunge to sub-zero temperatures when they faced the same crisis.  As seen in the photos the damage to the building that houses EK Agency was extensive from the rupture of sprinkler system pipes.  To see the full p...

This week EK Agency wanted to present an accident scenario for their clients and friends to think about and learn from.  This scenario is a common motor vehicle accident scenario and will demonstrate how claims are adjusted behind the scenes.   It was a rainy evening and the claimant (plaintiff) was with a friend leaving a restaurant.  The claimant was attempting to turn left onto a four lane road.  The plaintiff had their left turn signal on.  There were severa...

Alright: its quiz time! Today we are going to play a round of "Would You File an Insurance Claim If...". Answer the following questions honestly -- and remember, this makes a great game for the next family get-together! Would you file an insurance claim if... you got into a fender-bender in the parking lot at Preschool dropoff? Would you file an insurance claim if... a tree branch fell and damaged your gutter? Would you file an insurance claim if... your teenage son backed i...

Ohio was in the headlines this week -- but not for great reasons: Despite incidents of copper theft trending downward in recent years, Ohio still leads the U.S. in the number of insurance claims for this type of felony. Its the fifth straight year Ohio has claimed this title. Ohio policy-holders filed more than 4,000 claims in for the theft of copper, bronze, brass or aluminum from 2013 to 2015, or 11 percent of the 36,000 such claims nationwide, according to the National Insurance Cri...

Technology cant replace humans -- especially when it comes to insurance. However, a recent article published in VentureBeat, called "How chatbots can settle an insurance claim in 3 seconds," challenged this idea. Citing AmazonGo, the article presented the idea that chatbots, those "smart" robots a consumer texts with, offer a fast and convenient option that is especially appealing in the insurance industry. Writer Alex Sun argues that, since the insurance claims process is usually less t...

The insurance industry has been hit with hundreds of thousands of claims in the wake of recent hurricanes - but its not just homeowners and business owners who are filing the claims. Car owners have flooded insurers with claims, the New York Times reports. Roughly 100,000 claims have been filed so far, with analysts expecting that number to climb as high as 500,000. Unlike most homeowners policies, which generally exclude flood damage, comprehensive car insurance policies do cover flooding, m...

Many times we receive the question, "Why is my auto insurance more expensive than my neighbors or friends?"  There are many different factors that go into insurance rates and no one is exactly the same.  Here are just a few of the components of auto insurance rating.  Insurance score- Each company has their own way to calculate your insurance score, but most follow this method. They calculate your score from information on your credit report, accident, and insurance claim h...

Spring time often means strong storms, often causing damage to your home!  Please take a quick minute to read this high-level summary of information about storms, and how your policy could affect your claims outcome!  Even if you are not one of our clients, please take some time to read this, it could apply to your homeowner’s policy too. Reporting a Weather Related Claim Several companies have shortened the timeline in which you can file claims for windstorm and hail even...