Huff Insurance

Nancy Nicklow with Real Insurance Talk at Huff Insurance explains what happens when a neighbor's tree falls on your property.

Many people assume the neighbor automatically pays, but that's not always the case. If the tree was healthy and came down during a storm or other unexpected event, your homeowners insurance may be responsible for the damage—or you may pay out of pocket if the cost is below your deductible.

Watch the video to learn how tree damage claims typically work.

At Huff Insurance, we believe insurance conversations should be honest, real, and easy to understand.

If you have questions, frustrations, or just want someone to explain insurance in plain English instead of policy language, we’re here for the conversation. Not an argument. A real conversation.

Nancy and Jerry aren’t afraid to talk about the good, the bad, and the confusing parts of insurance because helping people understand what they have matters.

f you’ve got questions, give us a call at 410-647-1111 or shoot us a DM

We love what we do, and we’re always happy to talk insurance in real terms.

A quick warning based on years of experience dealing with hundreds of payment issues involving bank bill pay services and insurance payments… (This does not mean that all bank services are bad.....)

If you use your bank’s bill pay system to send payments to your insurance company, there’s a good chance the payment is not being sent electronically. In many cases, the bank is actually mailing a paper check. Unless you are insured with a large national insurance company, this may be the case. (This varies by bank as well)

That means:
• The money leaves your account immediately
• The bank may only cut checks once or twice a week
• The check still has to be printed, mailed, and processed

We’ve seen delays of 10-15 days or more before the insurance company even receives the payment. Remember that mail time can pla a significant role in the timing of the payment as well....

Over the years, we’ve also seen issues where:
• Insurance account numbers changed and bill pay kept sending payments to the old account
• Clients thought payments were being made correctly when they weren’t
• One client canceled their policy but forgot to turn off bill pay, so checks kept getting mailed for almost a year while the insurance company kept refunding the payments

To avoid headaches, late payments, or even policy cancellations, we strongly recommend making payments directly through the insurance company’s website or payment system whenever possible.

This is one of those insurance issues people usually do not hear about until it becomes a problem.

After last night's storms here in Maryland, this is again a relevant question....

If you have not done so, go on over and give our Real Insurance Talk page a follow.

It is our outlet to post reals that explain insurance in simple term and will have more insurance related content than our main page.

It’s time for another Tuesday Trivia from Real Insurance Talk with Huff Insurance.

We’ve talked before about how flood damage is not covered under a homeowners insurance policy without separate flood insurance. But what about your vehicle?

If your car gets damaged by flooding, will your auto insurance cover it?

Comment with your answer.

Watch Jerry Nicklow explain the answer in this week’s Tuesday Trivia video and learn how comprehensive coverage plays an important role when it comes to flood damage to your vehicle.