Registry Reminder

The Registry no longer sends drivers license renewal forms to you.  Don’t let your license expire.  Be sure to check the renewal date!

Read & Ride

In partnership with the Bridgewater 
and West Bridgewater libraries, Estabrook & Chamberlain 
will be sponsoring the One World, Many Stories
 Read & Ride program.

Participants must read at least one book 
to qualify.

Drawings for each age group will take place on August 11th.

Winners will receive a new bicycle (value up to $220), donated by Estabrook & Chamberlain Insurance Agency.

An entry form must be filled out to include the child’s name, address, telephone number, the name of one book read, and a parent’s signature along with the date.

Register and submit entries at 
the Bridgewater Public Library or West Bridgewater Public Library.

Demystifying Claims Processing

Many clients are unsure of what to do when filing a claim. To some, the process is a mystery. There’s no need for confusion though. Just remember – The staff as Estabrook & Chamberlain is here for you. We can help you file a claim and we’re available to clear up any confusion that may arise during the claims process. We can often intervene to answer questions, contact a hard to reach adjuster, even help negotiate on your behalf.

If you need to file a claim on a weekend, our answering service can connect you with a staff member who will assist you.

For your convenience, we’ve outlined the typical steps associated with filing auto and homeowners claims below. If you need more details beyond this or need help filing your claim, just give us a call – we’ll be happy to help.

Typical Auto Claims Process:

  • Call Estabrook & Chamberlain to report the claim. You may also call the insurance company directly.
  • An adjuster will be assigned to your claim and will make arrangements to view the damage to your vehicle.
  • For simple auto claims, the adjuster may deal directly with your auto body shop.
  • Shortly thereafter, the insurance company will issue a check to the person named on the policy. If there is a loan on the vehicle the check will be made payable to the bank as well.

Typical Property and Homeowners Claims:

  • Contact Estabrook & Chamberlain. In cases of extreme damage, you may call the insurance company directly to report your claim. Insurance company reporting services are typically available 24 hours a day, 7 days a week.
  • Obtain an estimate of the damage from a contractor.
  • In certain cases, repairs will need to be completed before final payment is made.
  • For your convenience, claim checks may be made payable directly to the contractor.

Homes For Our Troops

Honoring Our Troops

As part of our ongoing commitment to our communities, Hal Estabrook*, who served in the Marine Corps, provides pro bono services to members of The Massachusetts Guard and Reserve. This program is a military initiative sponsored by the Financial Planning Association of Massachusetts. Hal offers pro bono financial counseling for soldiers and their families prior to and post deployment to Iraq and Afghanistan. This includes advice on managing family budgets, dealing with credit card debt and making the family aware of the benefits available to them through the many organizations that serve the military.

Dawn Michael*, whom many of you know from purchasing involved with helping local service families. She was able to procure a $25,000 grant that will be presented to Homes for Our Troops – a national non-profit organization that provides housing assistance to veterans with serious disabilities due to combat injuries. Dawn belongs to the life insurance organization, Million Dollar Round Table. She applied to the MDRT and detailed the work that Homes for Our Troops does in constructing homes for injured soldiers upon their return home.

*Securities and Investment Advisory Services are offered through ING Financial Partners, Member SIPC. Estabrook & Chamberlain is not a subsidiary of nor controlled by ING Financial Partners.

You Have Mail!

We'd like to keep in touch.

May we have your email addresses? Some insurance companies use a client’s email address to notify that client immediately once a client’s claim has been reported. The email address will speed contact information to you regarding the adjuster handling your claim. Please provide us with your email when our staff asks for it. With your approval, we would also like to use your email to send timely information about new personal insurance coverages, ways to economize, and loss prevention.

Yard Sale Insurance

Ask us about yard sale liability insurance

Liability insurance provides coverage in the event of an injury incurred by a visitor. In addition, medical payments are included up to $1,000. There is a difference in one time event yard sales and frequent yard sales. Most one time yard sale events are held to sell unwanted personal items. These kinds of sales are generally covered under standard homeowners policies. If you intend to hold more than one yard sale or a series of yard sales, your homeowners policy may not provide liability coverage. This is because multiple yard sales may be considered a business. In such cases you should consider purchasing a specific business liability policy to provide adequate liability insurance.

Wedding Insurance

Wedding Insurance

We can help make sure your special day is tear-free.

Wedding insurance will cover the lost costs that result from a wedding postponement that is no fault of the wedding party. Two examples of this would be and ill-timed hurricane or a fire that burns down the venue.

A comprehensive wedding insurance policy will cover the expenses involved in cancelling or postponing a wedding due to events beyond the control of the insured. Most wedding insurance will also include $1,000,000 of liability insurance to cover an injury to a guest, damage to the wedding facility, and host liquor liability. There is some built-in liability coverage under your homeowners policy.

Wedding insurance also provides the following coverages:

  • Repair or replacement of the bride’s dress or the groom’s tuxedo if they are lost or damaged.
  • Reimbursement for lost deposits if a vendor goes out of business or declares bankruptcy before your wedding.
  • If the rings are lost, they will be replaced

The starting cost for wedding insurance is $160.

Golfers & Liability Insurance

Golfer's liability insurance - worth looking into.

Who is responsible if my errant golf ball strikes another individual? Your homeowners policy may offer you some needed protection. The liability portion of the homeowners policy will pay for any injury if the golfer who struck the ball has been determined to be legally liable. To be held legally liable, the injured person must prove that you failed to exercise ordinary care. In most cases if you yelled out a timely warning for a wayward shot, you would be considered to have given adequate care. Yelling fore may be a very timely action to practice.

Homestead Act Info

Homestead Certificate Circa 1868

The Homestead Act allows an individual to protect their primary residence up to $500,000 from any attachment, or execution or sale to satisfy a debt. Very simple information is needed to file a Homestead Act in which you reside. This filing may be done in the town or city clerk’s office. You will be asked to provide the book and page number for your deed or for your certificate of Title #. Homestead Act forms may be obtained at most Registry of Deed offices. To find your local office go to www.sec.state.ma.us/rod. The cost to file a Declaration of Homestead is $35. Remember, the Homestead protection is not a substitute for homeowner’s insurance. The Homestead protection will be effective only after any liability insurance is used to pay for any judgements against you.

Flood Insurance – A Rising Concern

Ask us about flood insurance

The 2010 spring brought tremendous amounts of rain and with that, flooding damage to many homes and businesses. Before another round begins, perhaps you should consider purchasing flood insurance or sump pump coverage. The federal government has done a major change in the flood maps and has also increased the flood insurance rates. This may mean that properties formerly deemed to be in a non-hazardous zone could now be found to be in a hazardous zone. If a bank that holds deposits that are insured with the FDIC, mortgage holders who conduct business with that bank may suddenly find that they will now be required to purchase flood Insurance.

Anyone may purchase flood insurance even if their property is not located in a hazardous flood zone.

The National Flood Insurance Program offers low cost protection for homes and apartments in areas of low to moderate flood risk. Some people assume that federal disaster assistance will bail them out if their property is flooded. But disaster assistance is available only if a flood is a federally declared disaster. Most floods are not. Disaster assistance usually comes in the form of a loan which must be repaid with interest. The advantage in purchasing flood insurance is it reimburses you for your covered loss and never has to be repaid.

Ask us for a copy of the National Flood brochure