Sheldon Smith Agency - Shelter Insurance

11/26/2025

Thanksgiving dinner mishaps happen! Before you start cooking, check that both your smoke and carbon monoxide detectors are working. https://bit.ly/3VOR5Ej

11/18/2025

Holiday travel plans? Before you pick up your rental car, contact me to find out if your auto insurance policy already covers you. Enjoy peace of mind on the road this holiday season. https://bit.ly/3Jhvh1b

10/29/2025

October is known as spooky season because of Health Insurance Open Enrollment! It's not as scary though with help from a Health Insurance Hero! North of us, Andrea Gann and South of us, Lace Cox. Contact me for more info to help you or a loved one with Health Insurance.

09/20/2025

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09/02/2025

It’s Life Insurance Awareness Month—the perfect time to address your reasons why you don’t have life insurance. If these explanations make you change your mind, get in touch with me to discuss your options. Shelter Life Insurance Company – Columbia, MO https://bit.ly/4gp2tOz

07/27/2025

Go Pirates!!!

Thank you to our 2025-2026 Gold Sponsors!! 🖤💛🏴‍☠️

05/22/2025

🌪 Many people including myself have felt that all the news alerts can seem sensational. But this years activity is good proof that the weather service is here to help us stay aware and avoid incoming disaster, there has been lots of it.
Before the next storms come, take a moment to review and assess with your insurance agent how many buildings you have and how much they're covered for. Ask your parents if they still have the big barn covered for $5000 since they built it in 1990 or if they've discussed that recently. Agents do their best to help alarm you of these things but not to be sensational or trick you into paying more, it's because we see the need first hand from others hurt in all these storms.

04/29/2025

Frequent Storm Claim Questions:

Can I repair any damage before someone inspects my property?
Yes. If you have damage that may cause more loss to your property if not repaired, you should not wait for Shelter to inspect your home. We cover the reasonable cost you incur to temporarily repair covered property to protect it from immediate additional losses. You should save all receipts for any reasonable and necessary temporary or emergency repairs.

When can I hire a contractor and start repairs?
Finding a contractor after a storm can be difficult and time-consuming. That's why it's a good idea to start looking for one immediately. You do not have to wait for Shelter to inspect your home before selecting who you want to repair it. However, other than temporary emergency repairs, your contractor should not begin any final repairs until we inspect the damage.

When will someone inspect my damage?
A catastrophe claim team adjuster will call you to determine if we need to inspect your damage or if we can settle your loss by phone. If we need to inspect the damage, the adjuster will schedule an appointment. We will get to everyone as quickly as possible, but we try to schedule customers with the most serious damage first.

How long will it take to settle my claim?
The time it takes to complete the claim process depends on several things. Shelter brings in extra staff to handle the increased number of claims caused by a severe storm, but we may have hundreds or even thousands of customers with damaged property. The number of claims, the severity and complexity of your damages, the availability of contractors or vendors, and safety issues all contribute to the time it takes to settle your claim. Be assured, we will complete your claim and pay you as soon as we reasonably can.

What if I can’t live in my home?
If your home is uninhabitable from a covered loss and your policy covers Additional Living Expenses, it may reimburse you for your reasonable increased costs necessary to maintain your normal standard of living. This includes increased expenses for things like food and housing.
For example, if you normally spend $100 every week for food, but the storm causes you to eat out and you spend $250, your additional living expense is $150 per week. The policy also specifies how long it you can be reimbursed for these extra costs. Please keep all your receipts for any additional living expenses you incur.

03/15/2025

Need to make a claim? You can file one by calling 1-800-SHELTER, by visiting our website or by filing through the My Shelter mobile app.
https://www.shelterinsurance.com/CA/claims/file

03/02/2025

Congratulations Pleasant Hope Pirates on your District Championship!!!

01/20/2025

Your term life insurance policy expired--now what? Call me to talk about it. Shelter Life Insurance Company, 1817 W. Broadway, Columbia, MO 65218
https://www.shelterinsurance.com/insurance/lifeinsurance/termlifeinsurance/

10/21/2024

October isn’t only for tricks! Check out these festive Fall treats! https://brev.is/Qw45F