Sometimes, it’s more convenient to find the answers to simple questions yourself. That’s why we’ve included on this page, answers to questions we get asked most often. To view the answers, click on the appropriate question(s) to the right.
We value your feedback. If you have questions about our agency, our insurance coverages or the products and services we offer, please let us know. We will get back to you promptly and, if appropriate, we will add your question to this page as a service to current and future customers. Submit your questions to:
- Why do insurance companies ask for so much information?
- Do you offer auto registration services?
- What is a deductible?
- What are the basic rules of the road for bicyclists?
- As an independent agent, how does Estabrook & Chamberlain make decisions on what insurance companies to represent?
- What is the National Flood Insurance Program (NFIP) definition of “flood?”
- Does the National Flood Insurance Plan cover basement improvements such as a game room?
A. Companies require information that enables them to evaluate the chances of a claim occurring. Favorable information supplied by you, can result in a lower insurance cost. The more favorable the information, the more comfortable a company feels about taking on the risk.
A. Yes, we make daily runs to the local Registry of Motor Vehicles office. We do it free of charge. No need for you to spend your valuable time standing in line!
Q. What is a deductible?
A. When a claim occurs, you are required to pay the first portion of the cost to repair or replace the insured property. This fixed amount is the deductible you selected. The insurance company pays the remainder of the claim. Deductibles are used as a method to stretch your insurance dollars. The greater the deductible amount you agree to pay for each claim, the lower your insurance premium. This can sometimes add up to a significant savings. However, to determine your deductible, you must decide how much of any claim you are willing and able to pay. We’d be glad to help you review your deductible options to determine which is most appropriate given your current needs.
A. They are valid road users and have all the rights and responsibilities of other vehicle drivers. They must drive on the right with the flow of traffic and use proper hand signals before making a lane change or turning.
A. The key factors are:
- Financial strength and stability of a company
- Types of markets served (e.g.: auto, home, business, special properties, etc.
- Competitiveness (range of coverages offered, pricing levels and overall cost-value of policies)
- Quality of claims service provided to our customers.
A. The NFIP flood policy defines “flood” as “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property)…”
A. No. Flood insurance does not cover finished walls, floors, carpeting, and personal belongings. It does cover your foundation. Also, functional items such as plumbing, furnace, water heater and circuit breakers are covered under your policy’s building coverage. Other limited items such as a washer and dryer or a freezer are covered under your policy’s contents coverage, which must be purchased in addition to building coverage.