The Zebra的动态

Do YOU qualify for Country Estate Insurance? ??????????The small farm takes many forms. They can feed the country, fill the farmer's market of just put fresh food on your table. But no matter what role, we craft coverage that fits you. ??Cover your farm, residence, barns, outbuildings and more ??Windstorms, hail, fire, theft and identity theft ??Mechanical equipment and utility service line failures ??Farm machinery, tools and products, livestock and supplies We also offer: Country Estate with Equine Coverage Insurance All coverage options from Country Estate in addition to: ??Horses in your care, custody and control ??Cover activities and participants at shows and events ??Tack belonging to others We can help you get the coverage you need. ??[email protected] ??[email protected]

Do YOU qualify for Country Estate Insurance? ??????????The small farm takes many forms. They can feed the country, fill the farmer's market of just put fresh food on your table. But no matter what role, we craft coverage that fits you. ??Cover your farm, residence, barns, outbuildings and more ??Windstorms, hail, fire, theft and identity theft ??Mechanical equipment and utility service line failures ??Farm machinery, tools and products, livestock and supplies We also offer: Country Estate with Equine Coverage Insurance All coverage options from Country Estate in addition to: ??Horses in your care, custody and control ??Cover activities and participants at shows and events ??Tack belonging to others We can help you get the coverage you need. ??[email protected] ??[email protected]

Do YOU qualify for Country Estate Insurance? ??????????The small farm takes many forms. They can feed the country, fill the farmer's market of just put fresh food on your table. But no matter what role, we craft coverage that fits you. ??Cover your farm, residence, barns, outbuildings and more ??Windstorms, hail, fire, theft and identity theft ??Mechanical equipment and utility service line failures ??Farm machinery, tools and products, livestock and supplies We also offer: Country Estate with Equine Coverage Insurance All coverage options from Country Estate in addition to: ??Horses in your care, custody and control ??Cover activities and participants at shows and events ??Tack belonging to others We can help you get the coverage you need. ??[email protected] ??[email protected]

Do YOU qualify for Country Estate Insurance? ??????????The small farm takes many forms. They can feed the country, fill the farmer's market of just put fresh food on your table. But no matter what role, we craft coverage that fits you. ??Cover your farm, residence, barns, outbuildings and more ??Windstorms, hail, fire, theft and identity theft ??Mechanical equipment and utility service line failures ??Farm machinery, tools and products, livestock and supplies We also offer: Country Estate with Equine Coverage Insurance All coverage options from Country Estate in addition to: ??Horses in your care, custody and control ??Cover activities and participants at shows and events ??Tack belonging to others We can help you get the coverage you need. ??[email protected] ??[email protected]

Do YOU qualify for Country Estate Insurance? ??????????The small farm takes many forms. They can feed the country, fill the farmer's market of just put fresh food on your table. But no matter what role, we craft coverage that fits you. ??Cover your farm, residence, barns, outbuildings and more ??Windstorms, hail, fire, theft and identity theft ??Mechanical equipment and utility service line failures ??Farm machinery, tools and products, livestock and supplies We also offer: Country Estate with Equine Coverage Insurance All coverage options from Country Estate in addition to: ??Horses in your care, custody and control ??Cover activities and participants at shows and events ??Tack belonging to others We can help you get the coverage you need. ??[email protected] ??[email protected]

Even if you’re vigilant, auto-deer collisions do happen (and we know our customers are extra careful ??). The risk of hitting a deer with your vehicle heightens in the fall and winter. Here is what to do immediately if you find yourself in this situation: ?? 1. Move your vehicle to a safe place. If possible, pull over to the side of the road, and turn on your hazard lights. If you must leave your vehicle, stay off the road and out of the way of any oncoming vehicles. 2. Call the police. Alert authorities if the deer is blocking traffic and creating a threat for other drivers. If the collision results in injury or property damage, you may need to fill out an official report. This report also can prove useful when filing your insurance claim. 3. Document the incident. If it’s safe to do so, take photographs of the roadway, your surroundings, damage to your vehicle and any injuries you or your passengers sustained. If witnesses stop, take down their account of what occurred, and ask for their contact information. 4. Stay away from the animal. A frightened, wounded deer could use its powerful legs and sharp hooves to harm you. 5. Contact your State Farm agent. The sooner you report damage or injuries, the sooner your agent can file and process your claim. Our number here at JennaLynn Drake State Farm is ?? (931) 548-4010. 6. Don’t assume your vehicle is safe to drive. Double-check that your car is drivable after colliding with a deer. Look for leaking fluid, loose parts, tire damage, broken lights, a hood that won’t latch and other safety hazards. If your vehicle seems unsafe in any way, call for a tow. Before a collision occurs, make sure you’re protected with the right type of insurance. Damages from auto-deer crashes typically are covered under comprehensive insurance, not collision. Contact your Muletown Agent at JennaLynn Drake State Farm for more information! ?? 1217 Hatcher Lane, Columbia TN 38401 #autoinsurance #columbiatn #muletownagent #jennalynndrakestatefarm #maurycounty #middletn #columbia #muletown #deer

While we will likely love our pets despite their unpleasant antics. That doesn’t mean we can’t protect ourselves from accidents caused by our more mischievous animal friends. If you are a pet owner or perhaps you live near wild animals you should consider additional home or property coverage for damages caused by animals whether they be friend or foe. #Insurance #commercialinsurance #lifeinsurance #homeinsurance #carinsurance #personalinsurance #insurancebroker #travelinsurance #businessinsurance

The unofficial creed of the United States Postal Service (USPS) is “neither snow nor rain nor heat nor gloom of night stays these couriers from the swift completion of their appointed rounds.” However, that doesn’t mention dog bites. According to the USPS, Louisiana is in the top 25 states with the highest number of dog attacks on postal workers. Of course, you don’t have to deliver the mail to get bitten by a dog. If that happens, you might wonder if homeowners’ insurance pays compensation for dog bites. The short answer is “yes,” most general homeowners’ insurance policies will provide reimbursement for the costs associated with a dog bite, but there are exceptions. Just because these canine attacks are accounted for in the policy terms doesn’t automatically mean there will be a payout by the insurance company. If you have been bitten by a dog, there are specific steps you need to take to receive any kind of compensation from a homeowners’ policy. #SouthLouisiana #DogBites #Lawyer https://lnkd.in/esk_WgPv

?? What to Do When You Hit a Deer ?? Even if you're vigilant, auto-deer collisions can happen, especially in the late fall and early winter. Did you know that State Farm? estimates over 1.5 million animal collision insurance claims in the U.S. between July 2019 and June 2020. Here's what to do if you find yourself in this situation: Move to Safety: Pull over to the side of the road and turn on your hazard lights. Stay off the road if you must exit your vehicle. Call the Police: Alert authorities if the deer is blocking traffic or if there's any injury or property damage. An official report can also help with your insurance claim. Document the Incident: Take photos of the scene, vehicle damage, and any injuries. Get witness accounts if possible. Stay Away from the Deer: A frightened, wounded deer can be dangerous. Contact Your State Farm Agent: Report damage or injuries as soon as possible for quick claim processing. Visit statefarm.com, call 1-800-STATE-FARM (800-782-8332), or use the State Farm mobile app. Check Your Vehicle: Ensure your car is safe to drive. Look for fluid leaks, loose parts, tire damage, broken lights, or other hazards. If in doubt, call for a tow. Stay safe out there! ?? ??4634 Central Ave NE, Columbia Heights, MN 55421 ?? (763) 571-6111 ?? 2724 University Avenue SE Minneapolis, MN 55414 ?? (612) 767-7775 #Kindofabigdeal #insurance #goodneighbor #statefarm #columbiaheights #minneapolis #columbiaheightsinsurance #minneaspolisinsurance #youragentkimberlynybo #kimberlynyboinsurance

Court Upholds Insurer’s Denial of Vulture-Related Roof Damage Claim Under Infestation Exclusion: The peculiar case of a Pennsylvania-based property owner’s appeal for a denied insurance claim brings to light the intricate nuances of insurance policy language and definitions. The owner’s claim for $300,000 to repair a Maryland commercial building’s roof, damaged by turkey vultures, was initially denied by Hanover American Insurance. This denial was grounded in the policy’s exclusion for damage from nesting or an infestation by birds. Both the federal district court and the Fourth Circuit Court of Appeals upheld this decision in 2022. Hanover’s stance was based on the behavior of turkey vultures, which do not build traditional nests but return to the same nesting sites year after year. This behavior, according to Hanover, fell under the dictionary definition of ’infestation’ - to spread or swarm in a troublesome manner. The policy specifically excluded damage from nesting, infestation, or discharge by animals, leading Hanover to conclude there was no coverage for the loss. Mitchellville Plaza Bar, the claimant, acknowledged the vultures caused the roof damage but argued that the activities of nesting and infesting were not present. They accused Hanover of bad faith in denying the claim. However, eyewitness testimonies and inspection reports indicated a persistent presence of a significant number of vultures, ranging between 10 to 75, over several months. This was contrary to the property owner’s expert ornithologist, who suggested that the damage was likely caused by a brief, acute incident by a small number of vultures. The court found no requirement in the policy for a species-specific biological definition of infestation. It concluded that the plain meaning of ’infestation’ is the unwanted and persistent presence of a number of animals large enough to cause harm or damage. The court ruled that the expert’s conclusions, which conflicted with eyewitness accounts, did not establish a genuine dispute of material fact, thus upholding the summary judgment in favor of Hanover. #Litigation #Property #Weird #Claims #Insurance