COVID-19 Client Memo

To Our Valued Clients,

As the situation locally and worldwide continues to be fluid with regards to the COVID-19 pandemic, we want to assure you, we are available to assist with your insurance needs.  However, our employees, their families and our fellow citizens’ safety continue to be our top priority. If we need to make changes to our office hours, we will communicate that information as soon as possible.

We are following the recommendations of our state and city officials.  At this time, our office will remain open.  We are, however, requesting that you refrain from personally visiting our office unless necessary.  Until further notice, phone, email and website communication is recommended.

Insurance Carrier Apps

If you have not done so already, this would be an ideal time to download and sign up for your insurance carrier’s APP.  You can perform most insurance transactions within the carrier’s APP.  These APPS are free and are a great tool.

PAYMENTS

You can drop off payments at our office through our drop box located next to the front door.  We can also take payments over the phone.  Another option is to visit your carrier’s website directly to pay your bill. Below are links to our main insurance providers.    

If your employment and income has been directly affected by COVID-19, please let us know.  Many of our insurance carriers are ready to help with billing and payment issues, including the possible movement of billing due dates.

CLAIMS

In the event you have an insurance claim, please contact your insurance carrier directly.  Your auto insurance cards have the claim numbers on the back of your card.  In most cases, you can also begin a claim online – simply navigate to REPORT A CLAIM.  Beginning your claim by phone or website, will not delay your claim in anyway and is often the most efficient way to begin the claim process.

BUSINESS/COMMERCIAL CLIENTS

Many of you have questions and concerns regarding coverage if your business needs to or must close/shut down for a period of time.  We are gathering all the information we can from our carriers.  We are also waiting to see what relief the national and state governments may be providing to those impacted.  Please know we are here for you and will do our best to get the correct information into your hands.  We appreciate your patience as more information becomes available based on an ever-changing situation.

Thank you again for your patience as we navigate uncharted waters.  We will update you only as necessary with any changes to our current Oliver Insurance office plan.  For now, our hours remain 9 – 5, Monday through Friday (with lunch from 12:30-1). Stay safe, stay healthy and STAY HOME!

Sincerely,

Ryan Oliver

President, Oliver Insurance

Safeco:   https://www.safeco.com/

Progressive:   https://www.progressive.com/

Sublimity:  https://www.sublimityins.com/    Navigate to the Customer tab

Nationwide:  https://www.nationwide.com/

MetLife:  https://www.metlife.com/

Travelers:  https://www.travelers.com/

Liberty Mutual:  https://www.libertymutual.com/

** Don’t see your carrier here? You can call our office or review your insurance paperwork for contact information **

Earthquake Insurance

Recently there have been reports in the news about the imminence of the “Big One” shaking the greater Portland-Metro area, which has led many to begin thinking about what they can do to prepare for an earthquake.  In addition to storing food, water, and other supplies, it is important to think about the catastrophic damages that can take place at your home and whether or not your Homeowners Insurance will cover the damage.

Most people do not realize that a standard Homeowners, Condo, or Renters policy does not cover earthquake damage.  In fact, according to the Oregon Insurance Division, only about 20% of Oregonians have earthquake coverage.  Earthquake coverage can either be added as an extra endorsement or sold separately as a stand-alone policy.

Here are a few steps you can take to ensure you are covered:

  1. Check your current Homeowners policy to see if the Earthquake Endorsement has been added. If not, you can simply call your agent to have them add the endorsement or they can write you a stand-alone Earthquake policy.
  2. Find out what the deductible amount is. Earthquake coverage has a separate deductible from your base Homeowners Insurance.  Deductible amounts ranging from 10 – 25% will be applied in the event of a claim.   Example, if there is $200k in damages you could pay anywhere from $20k – $50k out of pocket.
  3. Identify your Coverage A (the dwelling itself), B (other structures), and C (personal property) amounts on your Homeowners policy to determine what your total deductible amount would be in the event of a total loss. Example: Coverage A = $200k, Coverage B = $20k, Coverage C = $120k for a total of $340k in coverage.  The deductible for a total loss would be 34k – 85k depending on your deductible %.

 

Although the deductible can be expensive, it is a relatively small amount to protect one of your biggest investments – your home.  Please contact your Oliver Insurance agent today for more information.

Homeowner’s Insurance: Storm Protection Coverage

Canby, Oregon is a gorgeous town not too far from Beaverton and Portland. It is categorized by vineyards, farmer’s markets, and more. The homes are valued higher than the state average and consist mostly of single family homes.

When you are in the 97013 ZIP code of Canby, you have to look at your homeowners insurance in terms of coverage. If there is a storm, snow or otherwise, it could result in roof damage. If your roof becomes damaged, it could cause leaks within the ceiling as well as various other issues.

You want roof damage to be repaired – and without being the one financially responsible for it. Your homeowner’s insurance may or may not cover the storm damage. This is why you have to look at the full level of coverage that’s in place as well as the fine print.

Our agents can help you with all of the specifics for insurance in Oregon. We can talk to you about specific storm protection so that there is additional coverage in the event of a storm. Whether the storm is rain or snow, you know that if your home becomes damaged as a result of it, you will be able to file a claim and have the insurance company pay.

Protecting your home in the 97013 area of Canby is critical and therefore you have to look at roof damage and overall storm protection within your policy. Our agents are experienced with homeowner’s insurance in Oregon, so let them work on a policy that will adequately protect your home.

Don’t let a storm take you by surprise and cause damage that insurance won’t repair. We can help you, so call us and let us provide you with assistance as well as quotes on a policy today.

Homes In Canby: Protecting Against Sinking Foundation And More

Canby, Oregon is a beautiful part of the Pacific Northwest. Home values are slightly above the state average and may be single family detached homes, town homes, and more. There are wineries and farms nearby and you are within close driving distance of Portland should you want to experience what the metropolitan area has to offer.

You want to do all you can to protect your home in 97013 and therefore you have to look at what your homeowner’s insurance offers. Protection may be minimal unless you know what to look for and what coverage needs to be added.

If you have a sinking foundation, it could impact your porch, your walls, and more. The longer you allow the foundation to sink, the more damage can be done. It should be as simple as calling your homeowners insurance in Oregon to receive assistance, but only if there is such coverage.

It can be advantageous to work with an agent where you can learn about what the fine print of a policy says. This will make it easier to know of the instances where a sinking foundation will be covered, amongst other issues that could occur within your home in the 97013 area.

One of our agents can talk to you about issues that homeowners have had in Canby and guide you through the coverage options. This will allow you to pick and choose what coverage you want to know that your home, your porch, and any other features are protected year round.

Homeowner’s insurance is our specialty and whether you have sinking foundation, have experienced a fire, or anything else, we want to work with you on finding the necessary level of coverage.

Call today to start asking questions and receive quotes on insurance premiums.