Monday, August 5, 2024In 2024, increase in costs continue to be a problem for the insurance industry. Some examples, distracted driving amounts to nearly one third of all auto losses. Another issue companies did not have to worry about 10 years ago is the cost of repairing electric vehicles. READ MORE >>
Friday, March 22, 2024Medicare basics. If you are about to turn 65 years old, you may sign up for Medicare Parts A & B up to 3 months prior to your 65th birthday, the month of your birthday and 3 months following your 65th birthday on the social security website. Once you sign up it takes 3-4 weeks until your Medicare card arrives in US Mail. READ MORE >>
Tuesday, December 19, 2023Before heading off on a vacation do yourself and the insurance companies a favor and turn your water off at the source. Many homeowner water claims occur from broken pipes, such as: water line behind toilet, frozen water pipe, water hose behind washing machine etc. READ MORE >>
Tuesday, July 18, 2023Auto insurance companies use many, many factors when rating each policy. Yes, not at fault accidents can impact the pricing. They do not impact pricing the same as an at fault accident. Not only do auto companies use factors such as: insurance bureau score, year, make, model of ... READ MORE >>
Wednesday, April 5, 2023It's springtime, time to spring clean the RV including Motorhomes and Travel Trailers, ATV's, Boats, Jet skis, golf cart, Electric Bikes, Motorcycles. As a reminder, the motorized items typically are NOT covered by a homeowner policy and require a separate policy. READ MORE >>
Thursday, January 19, 2023Okay, you just received an Electric Bike (EBike) for Christmas or you just purchased one. Are Ebikes covered by your homeowner insurance? NO!!!! They are not covered as they have a motor. If an Ebike stolen from garage, is it covered? NO! What is best way to cover an ebike? READ MORE >>
Monday, November 14, 2022If you have replaced a roof on your home be sure and let your homeowner insurance company know. Many companies give a discount based on roofs age. As time goes on the discount is reduced. Any questions contact Flanigan Insurance at 314-727-6000 or email the agency at dflanflanins@yahoo. READ MORE >>
Saturday, July 30, 2022Parts of the St Louis region received as much as 8" of rain in 6 hours and a total of 11" in 24-hour period beating a record from July 1915. Amazingly, after hundreds of car rescues from trapped/stranded motorists many homeowners found basements filling up with water. READ MORE >>
Thursday, May 12, 2022Last month a homeowner, with a sump pump, had a large tree take out power lines no damage to his home's exterior. While power was out for 20 hours during all day rain in Saint Louis the sump pump well filled up and over flowed causing water all over the recently finished basement new wood floor. READ MORE >>
Wednesday, March 30, 2022When a car is severely damaged, it can take 30 days or so before a car is deemed a total loss. The insurance companies have a process; unfortunately, it can take 30 or more days. This process should not take this long, typically it is due to misunderstandings by insured and company as who's responsibility it will be to do the various things. READ MORE >>
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