Do Homeowner’s Policies Cover Plumbing Issues?

At the Zot Insurance Agency, serving Davie, FL, we have heard just about every question imaginable about insurance. One of the most frequent is if plumbing problems are covered by their homeowner’s policy. The answer really isn’t a straight-forward yes or no so we’ll go over various issues and how they generally are seen by adjusters.

Plumbing Issues Generally Covered

  • Pipes that burst suddenly without warning
  • Burst plumbing systems or appliances
  • Pipes that are frozen, but the home is heated and maintained

Plumbing Issues Sometimes Covered

  • Improperly installed plumbing that malfunctions
  • Plumbing leaks or mold that is in the walls or floors
  • Old pipes or corroded pipes that burst

Plumbing Issues Hardly Ever Covered

  • Galvanized steel or polybutylene pipes that are outdated and obsolete
  • Sewer line backup or sump pump backup
  • Pipes that freeze in a home that isn’t heated or maintained
  • Preventable mold growth or pipe leaks

A rule of thumb is that things that happen suddenly are usually covered more than things that have taken time to malfunction.

Keep in mind also that if you have $6000 in damages but a $1000 deductible, you’ll have $5000 to use to help whereas a $1200 plumbing bill on a $1000 deductible may not be worth the possible increase in your premiums. Talk with an insurance professional to make sure that you are not only properly covered, but have the right deductibles for your situation.

If you’re in the Davie, FL area, we at the Zot Insurance Agency are here to help answer your questions and make sure that your policies are exactly what you need for your unique situation. Call or come by the office to speak with us.

Trucking Insurance 101

If you don’t mind long days on the road, trucking is a fantastic profession that’s vital to the economy. Here at Zot Insurance Agency in Davie, FL, we spend a lot of time connecting truckers with insurance that meets their needs, so here’s our quick trucking insurance 101.

What Kind of Insurance Does a Trucker Need?

Because truckers have a particular combination of business and auto coverage needs, their usual coverage is grouped together under commercial trucking insurance. With this coverage, the policy will typically cover damage done to or caused by your truck, the trailer, the cargo. This tends to include the medical bills for anyone injured by you. Every policy is different, so make sure to check the coverage and compare your options.

Travel Distance Matters

Driving further puts your truck and cargo at more risk. Trucking policies tend to have an operating radius where your coverage applies. Be clear with your agent about where you plan to operate and communicate any changes to avoid the brunt of full liability.

General Transport Versus Specialty Trucking

The type of cargo you haul has a large impact on the pricing of your insurance policy coverage. A trucker who takes a variety of jobs with no clear idea of the cargo will need general coverage. If your shipping is specialized to one product, you get a rate based on how volatile and valuable that cargo is. Hauling loads of cabbages doesn’t have the same risk involved as driving a car carrier trailer full of luxury vehicles.

Keep Your Eyes on the Road

There are enough distractions out there that your insurance coverage doesn’t need to add another one. Contact Zot Insurance Agency in Davie, FL for more information on how commercial trucking insurance works or to shop for a policy.

What to Expect if You’re Having Problems Getting Florida Auto Insurance

There are many reasons why you would be denied Florida auto insurance. You may have a poor driving record, too many claims, or have let your previous policy lapse in payments. These are the most common reasons.

If it happens to you, know you are not alone. You can still get auto insurance. At Zot Insurance Agency, we want every Davie, FL driver to get the insurance they need. We can help you find the solution that works.

Most Common Reasons To Be Declined for Florida Auto Insurance

The most common reasons for being declined for Florida auto insurance are:
• Poor insurance rating (non-payment, high claims)
• Your car is expensive or fast (insurance companies see claims on these cars and want to avoid this)
• Bad driving record (speeding tickets or other moving violations)
• A lot of car accidents
• One or more DUI on your record

When you have been denied auto insurance in Florida, you may not always be told why if you have filled out an online application. It doesn’t mean that you can’t get auto insurance. 

The best way to handle the problem is to talk to an insurance agent that can look at your insurance file and help you figure out the problem. From there you can consider your options.

What to Expect When You’ve Been Denied

The most common thing to expect when you have been denied auto insurance is a hike in your insurance rates. You will likely be considered a high-risk driver at that point and will see insurance rates in that range for approximately three years.

If you have a good driving and claims record for those three years, your rates will come back down again. That is the most common thing to expect when you are having problems getting car insurance.

If you can not get insurance because you have a DUI on your record, that is a separate kind of high-risk insurance. You will need SR22 or FR44 insurance, which most insurance companies can do for you.

Another option for you if you can not get insurance is to get added onto someone else’s car insurance as a secondary driver.

Get a Quote

These are just a few things to expect when you get denied for Florida car insurance. At Zot Insurance Agency, we want to work with all Davie, FL drivers to help them get the solutions they need. Call us for a quote today.

Trucking Insurance FAQ

Are you in the trucking business? Are you adequately insured? Contact the knowledgeable insurance agents at Zot Insurance Agency serving Davie, FL, with your query today.

What Does Trucking Insurance Cover?

Your trucking insurance should cover five main areas:

  • Your truck or trucks
  • Driver
  • Cargo
  • Passengers
  • Liability

Trucking insurance is often commercial and should be a tailor-made package that covers the appropriate areas above. Be willing and able to discuss these areas extensively with your insurer. They can assist you in providing different coverage options. These options are based on the information you provide, so be as accurate as possible. Review regularly.

What Are the Florida Insurance Requirements?

Most state insurance requirements revolve around liability, and FL is no exception. Any driver on FL roads and highways are required to have mandatory liability insurance, including truckers. However, their liability insurance requirements are much higher, depending on the category of cargo they are carrying.

Interstate truckers must register with the Federal Motor Carrier Safety Administration (FMCSA), and they have their insurance requirements before they issue operating authority.

When discussing your liability cover, consider.

  • Property damage liability
  • Personal injury liability

What Else Should I Think About When It Comes to Trucking Insurance?

The trucking business is sensitive to time delays and costs, and it is essential to consider all the aspects involved when it comes to trucker insurance. Hope for the best, but plan for the worst.

Crashes, breakdowns, and lost cargo are regular occurrences when it comes to trucking, and these affect your bottom line. Having the appropriate insurance in place helps to negate this, and you should therefore consider your trucking insurance as an asset.

Speak to Us Today!

Call Zot Insurance Agency serving Davie, FL, today and make sure you have peace of mind when your trucks are out on the road!

Commercial Truck Insurance: A Guide to Getting the Right Coverage

Commercial truck insurance is a tailored policy suitable for trucking risks. This insurance protects drivers and trucks on the road for owners of truck businesses and independent truck drivers, thus safeguarding your business. Zot Insurance Agency provides truck owners in Davie, FL, with the best coverage options for commercial truck insurance.

What You Need to Know About Commercial Insurance For Your Truck

Truckers have unique needs, which are accounted for in commercial truck insurance policies. If you want to be safe and keep your truck on the road, get your truck insured. The trucking policies start with primary liability and build on that foundation for additional policies, including general liability.

Commercial truck insurance is mandatory in most states. The Federal Motor Carrier Safety Administration requires truckers to show proof of insurance on the road to perform commercial activities. There are many risks involved with heavy cargo transport, and proper insurance helps shield you from monetary losses in these cargo damage cases due to road fatalities.

Buying The Right Commercial Truck Insurance

Commercial truck insurance is a big and key investment for anyone with a truck business. Before purchasing this policy, it’s important to understand what they entail to know the level of coverage offered. You can get multiple quotes from agents specializing in truck insurance to determine what best suits your business needs.

Determine the type of commercial insurance that best protects your assets in cases of negligence claims and malpractices. Choosing a reputable insurance company with enough experience and reserves is important to cater to insurance claims.

What Is Covered In Commercial Truck Insurance?

Truck businesses have unique safety needs. Commercial truck insurance policies cover general liability, workers’ compensation, and commercial umbrella insurance for truckers.

If you want to cover all fleet damages and protect yourself against losses occurring on the roads, get commercial truck insurance from Zot Insurance Agency serving Davie, FL. Contact us to protect your truck business against unforeseeable losses.

Is Home Insurance Required in Florida?

You have made huge of your money as well as your time and passion into the home you chose to purchase so you will want to protect it properly. The home insurance agents at the Zot Insurance Agency in the Davie, FL area stress the importance of having home insurance in place.

While home insurance is not required in the state of Florida, you will more than likely be in violation of your mortgage contract with the lender that you borrowed the money from to purchase your home if you do not have the proper amount of home insurance coverage in place. Your lender can actually create a policy for your home if you do not have home insurance and tack the premiums onto your mortgage payment and more than likely that policy will be a lot more expensive than if you obtain home insurance on your own.

Even if you do not owe money on your home or paid cash to purchase it, having a good home insurance policy in place is still a great idea. Home insurance will cover not only your house and outbuildings on the property, such as a garage or shed, but it will also cover your personal possessions, appliances, computer equipment, and anything else you have inside the home.

We never know what the future holds and a home insurance policy will protect your house from theft, vandalism, natural disasters, and a fire. Most home insurance policies do not automatically cover flooding or earthquakes, but you can get additional coverage added to your home insurance policy that will cover those types of incidents that can occur.

To decide upon the proper home insurance coverage options to be included in your policy, you should consult with a trusted insurance agent. The home insurance agents at the Zot Insurance Agency in Davie, FL are ready to assist you in creating the best home insurance policy for your situation. Call for an appointment today!

Does an Online-based Business Need Commercial Insurance?

With businesses moving from the traditional office setup to online business, one may expect their commercial insurance to change — and rightly so. An online business presents you with unique risks that you need to mitigate by investing in a commercial insurance policy from Zot Insurance Agency of Davie, FL. Yes, you may not have a physical office, but this doesn’t mean you don’t have risks.

Do you have an online business? Below are coverages to consider for your business.

Liability insurance

Whether your business is physical or online, you need general liability insurance to protect your business against advertising injury, property damage, and bodily injury. Your products or services could harm customers. Similarly, you could publish a report deemed libelous by a third party. Either way, liability insurance covers you, ensuring you don’t incur out-of-pocket expenses.

Worker’s comp insurance

If you have one or more employees in your business, you need to invest in worker’s comp insurance to protect them from illnesses or work-related injuries. Besides, this coverage compensates your employees for partial loss of income when they cannot resume work.

Cyber liability insurance

By their nature, online businesses face a constant threat of cyber crime activities like hacking. When this happens, you could suffer data breaches and other costly consequences. Worse yet, if you store sensitive data on behalf of clients, any leakage may result in expensive lawsuits. Without business insurance, your business can’t withstand such costs.

Cyber liability insurance helps you pay for legal fees, notification costs, public relations expenses, and other related costs, lessening your financial burden when faced with cyber threats. 

Professional liability insurance

If you offer online professional services, you need liability coverage to protect you when sued for alleged negligence, missed deadlines, or non-delivery. Professional liability insurance covers legal costs, including lawyer fees. 

Buy commercial insurance today

Whether your Davie, FL business is online or physical, you need commercial insurance that suits the nature of your business. If you need commercial insurance coverage, don’t hesitate to contact Zot Insurance Agency for a competitive quote. 

Everything you need to know about selecting trucking insurance

We at the Zot Insurance Agency in Davie, FL have years of experience working with truckers and trucking companies to get you the commercial coverage you rely to stay on the road. We understand that there’s no such thing as a one-size-fits-all insurance solution. Read on for our tips on ways to help us get you the best insurance for your specific needs.

Gather the documentation your insurer will need

To speed things along when discussing options with your insurance agent, it helps to have some basic information readily available. Gather information — such as your driver’s license number, driving history, and the VIN number of the vehicle you’d like to insure — before speaking with an agent. Having these documents in hand will speed the process and help your agent guide you to the optimal coverage for your needs. 

Think about the type of coverage you require

It often helps to have an idea of the type of coverage you’ll require before approaching an insurance agency. A bit of basic knowledge makes it easier to understand the details of the various available policies. Individual truckers are required to carry primary liability insurance. General liability insurance provides coverage for trucking companies. Some general liability policies offer protection in the event your company is sued for libel or false advertising. 

We’d love to help

If you’re interested in discussing your options, we at the Zot Insurance Agency in Davie, FL are here to help. We have years of experience helping South Florida truckers with their insurance needs. We understand what you need and can help get you insured and on the road quickly and efficiently. 

Keeping Your Home Cool During the Summer

Summers in Davie, FL can get hot, and the costs associated with cooling off your home can rise exponentially. There are many ways to help keep your home cool during these hot summer months. Some methods work better than others, so you may have to try the different techniques to see which works best for your home. While keeping your home cool, you not only save energy but also help your cooling system last longer. 

In addition to keeping your home cool, call our experts at Zot Insurance Agency to learn how to protect your home. 

Block Out the Sunlight

Keep blinds and curtains closed during the day when sunlight is hitting the home. Black-out curtains provide added sun-blocking measures to help keep the inside of your home cool. Keep things closed until the afternoon, and when shade starts covering the house, you can open up windows to bring in cooler air. 

Bring In Cool Evening Air

Temperatures cool off at night, and this is the time to open up your windows and take advantage of the cool evening air. Then, when the sun goes down, open up the windows and bring in that cool air. Once the home is cooled off, close the windows to keep the cooler air trapped inside. 

Create a Cross Breeze

Depending on your home’s setup, you may be able to use fans in the early mornings or late evening hours to create a cool cross breeze. The fans will help keep the air in the home moving, which can create a cooling effect. If using ceiling fans, set them to spin counterclockwise to push cooler air down. 

Hopefully, this summer, you stay cool and comfortable in your home in Davie, FL. For information about protecting your home and homeowners insurance policies, contact the experts at Zot Insurance Agency. The agents there can help answer all of your insurance-related questions. 

Do I need to get property insurance for my second home in Florida?

Owning a second home in the Davie, FL area is a dream for a lot of people. While you may be excited to own a property that you can visit to enjoy the sun, warm weather, and a variety of local activities, it is important to remember that the property is a valuable asset that requires appropriate insurance coverage. There are a few reasons why you need to have insurance for your second home. 

Coverage Protects Your Home

One of the main reasons that you need to have property insurance for your second home in this state is because it can protect your home. Anyone that buys a second property will be making a significant investment that they will want to last. To ensure that your home is protected, you need to have a home insurance plan that can be used to repair your property if it is damaged. 

Coverage is a Requirement

Most people are also going to have specific home insurance requirements that need to be met. If you are going to own a second home, you likely will take out a mortgage and may also be part of a home association. In almost all cases, both your mortgage lender and the home association will require that you carry a full home insurance plan at all times. Having the proper coverage can help you stay in good standing.

In the Davie, FL area, there continue to be a lot of second and vacation homeowners. As you are looking to buy a home here, you should speak with the Zot Insurance Agency to discuss your needs. If you do call the Zot Insurance Agency, you can learn a lot about your housing options and choose a plan that is ideal for your situation.