Month: June 2018

Are your Desert Toys Insured? This is Why They Should Be!

Posted on by AgentInsure

You’re cruising through the desert trails of Astoria, OR on your four-wheeler, when out of nowhere comes to a dirt bike doing a wheelie!  You stop but not in time, and neither does the dirt bike driver. There’s a crash, though no one is hurt, luckily.  Still, there is a significant amount of damage to your four-wheeler and the dirt bike? But you’re not too worried about it. Why? Because your favorite desert toy is insured by Linda Dugan Insurance.

Read on to learn more about why you should ensure your recreational toys with Linda Dugan Insurance.

1.  If there is an injury to your or another party while using a recreational vehicle, having insurance will help cover costs.

2.  If your desert toy is stolen or vandalized, having insurance could help replace or repair what was stolen or vandalized.

3.  If your recreational vehicle causes damage to someone’s property, having insurance will help minimize the financial consequences.

4.  Having insurance on all of your desert toys, from dirt bikes to four-wheelers and boats, will give you peace of mind every time you blaze the desert sands or cool off in one of Oregon’s lakes.

Contact our offices for more information on how you can insure your favorite motorized toys!

How To Itemize Your Flood Insurance Claims

Posted on by AgentInsure

While floods might not hit Astoria, OR that often, they may still happen. At Linda Dugan Insurance, we’ve seen too many people fail to itemize their damaged items properly. As a result, their claim was denied. Here is how you can avoid complications with this process.

Walk Through Your Home

After a flood strikes, walk through your home and take a look at everywhere that has been damaged. There is a good chance that the flood has affected many rooms in your home. Go through each of them and take a look at every element that has been damaged and takes a deep breath. This part is going to be tough.

Photograph The Damage

Take photos of the damaged areas to ensure that everything is properly documented. While your insurance company is likely to take your word, they may want some evidence. Photographs of important items showcase your damage and make sure your claim is approved.

Detail All The Possessions You’ve Lost

Write down all of the possessions that you lost because of the flood. These can include electronics, pieces of furniture, expensive pieces of electronics, and other elements that have a real value. Write them down, including their estimated price, on a piece of paper as you go through the house.

Break Them Up Into Types

After writing down all of the damaged items in your home, take the time to break them down into categories. These can include things like electronic items, home decoration products, and more. Breaking them down in this way helps your insurance company identify them more easily.

Getting Great Flood Coverage

If you live in Astoria, OR and want flood insurance, contact us at Linda Dugan Insurance. We serve this city and others in the area and can provide you the policy that you need.