Timothy Bohlman Insurance Agency Inc.

05/12/2022

It's still storming outside and I'm already seeing roofers posting "call me so I can come inspect your roof" posts and ads.

Whether or not you are my client, here's some free insurance advice.

1. Do not let some random roofing company salesman enter your property and climb up on your roof.

2. If you do get your roof inspected, make sure you see proof of adequate liability and work comp insurance before they even get the ladder off their truck.

3. Do not let some random roofing company salesman talk you into filing a claim on your homeowner policy "and let's see if I can get you a free roof." Don't believe them if they say "it doesn't cost you anything to file a claim and see what happens." While at face value that's true - there's no fee to file a claim - if you have a couple of weather-related claims it will be difficult to impossible to shop and switch carriers for several years until the claims age off, even if one or more of them were zero payouts because it turned out you didn't have any damage.

4. Here's the most important tip. Ignore the storm chasers pounding on your door. Call your insurance agent and get a legitimate inspection of your property to see if you have any real damage BEFORE you file a claim.

5. Then if you do have significant damage go ahead and file the claim and choose a reputable local contractor to perform the repairs. If you need a callback for something after the job is done, it's going to be a lot easier to get someone to come see you from within the metro area than it will be to get them to come back from one to four states away.

09/22/2021

Thru September 30th only! Get it before it’s gone!

*Contains expedited underwriting with no medical exams.

Call now 952-222-4300!

02/22/2021

The weather we are experiencing is shaping up to be the perfect storm for 1,000’s of homeowners in our area to have problems associated with attic frost. We have a nice blanket of snow acting as insulation over homes and vents, we just had an entire week of subzero temperatures, now followed up with a quick warm up to nearly 40 degrees. It’s unusual that all of these conditions happen so “perfectly”.

When it gets this cold, people tend to stay in more and they cook, turn up the heat, take long/hot showers, and turn on the humidifier to stay comfortable and avoid setting the dog on fire with static from the blanket.

When that heat and moisture rise into a cold attic, it can turn to frost. Normally, the frost has a chance to sublimate or turn to v***r before it turns into water, but when the extreme cold is followed by a fast warm up, the frost turns to water, that water turns into wet spots on homeowners ceilings and I get phone calls about leaking roofs.

The most important preventative measure homeowners can take is to keep humidity levels low. Below is a quick cheat sheet created by the MN Dept of Public Services:

• If outside temperature is 20 to 40 degrees, humidity indoors should not be more than 40 percent.

• If outside temperature is 10 to 20 degrees, humidity indoors should not be more than 35 percent.

• If outside temperature is 0 to 10 degrees, humidity indoors should not be more than 30 percent.

• If outside temperature is 10-below to 0, humidity indoors should not be more than 25 percent.

• If outside temperature is 20-below to 10-below, humidity indoors should not be more than 20 percent.

• If outdoor temperature is lower than 20-below, inside humidity should not be more than 15 percent.

Share this helpful info with your friends!

04/23/2020

https://youtu.be/9U_p0Ynb62c

In 90 years at Farmers®, we thought we’d seen it all. But we haven’t seen this. So, we’re finding new ways to help our customers. See how we’re helping at ht...

04/10/2020

Farmers has announced that all of our auto insurance customers will be receiving an automatic 25% reduction in their April premiums. We will continue to monitor this situation should we need to extend this beyond April.
There is no enrollment or other action on your part needed, we'll take this action for everyone automatically.

Additionally, Farmers has rolled out further assistance to its valued customers through the following policies:

* All cancellations for non-payment are paused.

* We have options for clients to modify or defer payments.

* We have temporarily modified commercial/personal auto coverage to allow for delivery of goods.

* Our business policies in the restaurant, office, retail, and service sectors are going to see a 20% monthly credit on their business owner policies for the next two months.

This is unknown territory for Farmers as well, but we're moving as quickly as we can and trying to prioritize in a smart and well thought out way, to do everything we can to help lessen the impact on all of our customers.

Lastly, I have been working with clients individually to make cost saving modifications. If you have questions about your policy or would like to look at options,
please let me know and we'll do everything we can to help.

04/09/2020

Farmers Insurance just announced a return of 25% of April premium on auto insurance and 20% on business owner policies for 2 months! Taking care of ALL customers and helping businesses. What we do best!

https://www.farmers.com/covid-19-notice/

03/29/2020

GREAT NEWS FROM FARMERS INSURANCE:

Are you considering delivering food to make some extra cash during this time when the restaurant dining rooms are closed, or are you a restaurant owner now having to deliver orders or ask your employees to deliver in their own vehicles?

If you’re insured by Farmers Insurance, we’ve got you covered. Please read the following press release about the food delivery exclusion being temporarily lifted during this time.

Add an extra layer of protection with an umbrella policy to provide additional coverage above your primary policies. Contact your local Farmers agent.

03/24/2020

Just letting all our clients know that due to the current situation we all find ourselves in, we are open for business as usual but have limited in-office availability and for the most part we're working remotely for now.

Please call us at the regular office number 952-222-4300 and whether I am in the office or elsewhere you will be able to reach me and most things can be handled over the phone and by email or US Mail. If you have an insurance need that requires an in-person visit we can arrange that, too.

Thanks for your patience and understanding during all of this craziness. Stay safe out there!

03/24/2020

For my clients or any Farmers Insurance customer reading this, if you are financially impacted by the COVID-19 situation and need some assistance with your insurance payments, give us a call. We can help.

11/25/2019

If you're thinking of picking up some cash on the side by driving for Uber, Lyft, GrubHub, DoorDash, etc. or you're already doing that but weren't aware you need the right insurance to cover you for those kinds of driving activities, call us today for a free, no-obligation consultation.

Former Grubhub driver warns food drivers to check insurance coverage

11/07/2019

If you feel like you got poor service at the restaurant you went to last night or your family portrait didn’t turn out like you envisioned, what do you do? Why, you go tell everyone about it on social media, right? Wrong. Here’s why.

By the way, this also applies to situations like cyber-bullying among kids. There is coverage available that can protect you from a lawsuit in these situations. It’s called personal injury liability coverage and it is so cheap. Give us a call for more information. 952-222-4300.

Texas jury awards Andrea Polito more than $1 million after determining married couple launched social media campaign to defame her

10/11/2019

Doubling down with my better half! My wife, Carrie, has joined me at the agency! Carrie is fully licensed to help you with anything from routine policy service requests to a full portfolio proposal. I’m so happy to have her on board!