Janice Crosswhite Agency

06/07/2024

Some important information. I had a client that had a very bad fire at her home Wednesday night. Did not burn the home down and all are safe, but will be a tear down and build back up. I want to tell you about the reconstruction companies that were knocking on her front door while the fire was still not contained. They were trying to get her business. They were non stop the next morning. I actually was at the home with her Thursday morning with the adjuster. I actually stopped two at her door and took their information but would not let them talk too her upon her request. You can not tell from the front that has been a fire so I guess these people are listening to scanners. She was emotionally drained and had to gather things to take since she will not be living there for about 4 months. As the adjuster explained she can use whom ever she wants to, but we do have approved vendors. I can explain that if you want to know. You want to make sure you do not sign a contract until you speak to your agent and your adjuster. No work can be started until claims is done with their work. That means nothing moved. (may have to board up some doors and windows). If someone says they are with your insurance company, you want to verify that and you should know whom you have agreed to give the work to. Do not sign contracts, Do not let them in your home, and do not let work begin until you have cleared things with your adjuster. I recommended my client put a sign on her door Not to solicit and contractor already chosen. The door knocks has stopped after that. Whom ever you choose be sure they are carrying Workers Comprehensive coverage and Liability coverage to cover you if they damage anything at the home, ex plumbing just one example or lets say they start a fire. You want that company to pay for that and that means they carry liability insurance. Workers comprehensive insurance protects you if one of the contractors employees for example falls off your roof. We want to take care of our clients!!! I do write Workers Comp and liability coverage if you are a business owner and need it.

06/07/2024

This information was provided by the city of McClendon-Chisholm in Texas because of a dam shifting by 4 feet with all this rain and they are preparing for evacuations. Praying the situation stabilizes, but more rain coming.
Very good information to prepare for emergencies. Remember this type of flooding is not covered by your home policy. Flood policies can be written for you even if not in flood zone and are very affordable. They take 30 days to take effect once they are issued, so do not wait until too late. I am licensed to write those in Texas, so let me know if I can help. Weather has been crazy.
Here is a list of potential things to prepare
- Round up your pets: get them secured and ready to go into the car with no way of escape before they are loaded into the car (this is especially important with cats).
- Have pet carriers, leashes, food bowls, food, litter boxes, litter, and other pet needs ready to go & ready for car (store in a secure place so these are easily loaded into the car).
-Have very important files, back‐up disks, plug‐in USB virtual drive, small compact file box ready to go. Include such things as homeowner’s policy, auto policies, life & investment files, bank records, legal documents, licenses, etc. (or store in a fireproof safe or fireproof bunker).
- Computer CPU (hard‐drive most important) if you have no back‐ups.
-Photograph albums, photo CDs, etc, ‐ Have these ready, packed, stored in a secure place to go immediately into car (or store in a fireproof safe).
- Cameras & expensive jewelry or important electronic devices.
- Suitcase filled with old but useable clothing, socks, underwear, jackets, sweatshirt, extra shoes, etc. Keep this packed ahead. Include a bag for him and for her of toiletry items, including: deodorant, disposable shavers, extra toothbrushes, shampoo & shaving cream, toothpaste, extra regular
- medications to last a few days.
- All household & car keys, wallet, handbag, cell phones & any credit cards that you might need.
- Complete phone list or phone address book (snail and e‐mail), including cell phones of neighbors family.
- Special or valuable items (make your own list).

02/14/2024

01/01/2024

Ring in the New Year with Farmers.

12/21/2023

Flat tires don’t wait for the new year. Having an emergency kit in your trunk could help you stay safe if you broke down on the road or had to make an unplanned stop. Just be sure to pull off the pavement as far as you can to wait for assistance to arrive.

12/13/2023

The most wonderful time of the year can go downhill quickly if something happens to your new diamond without a dedicated insurance policy. Be sure it’s covered against loss, damage, theft and more with comprehensive coverage from the experts at Jewelers Mutual. Get a quote today and rest easy knowing that your jewelry is safe this holiday season!

Janice Crosswhite Agency 469-625-1239 Farmers Insurance

12/12/2023

Zoom! The year sure went by fast. Did it bring a new baby? A new car? Even a new TV? Make sure your policy still meets your needs going into 2024. Give me a call and we can run a quick review.

11/25/2023

Mom and Pops. Corner stores. Twee boutiques. Small businesses make our communities hum. Today’s the day to celebrate — and shop — local. It’s Small Business Saturday.

11/22/2023

Stuffing or dressing? Pumpkin or apple? These are questions we can answer. Today, let the other big decisions go – and have a Happy Thanksgiving.

11/14/2023

Keep your business fresh as a daisy. If a power outage or busted refrigeration system (or other mechanical breakdown) could spoil your inventory, we offer coverage that can help you get up and running again. Call me to learn more.

11/11/2023

Veterans Day honors all who have served. November 11 is your day, and we thank you for your service.

11/09/2023

Hitting the road for the holiday? Check your oil, tires and emergency kit before you buckle up.