Your credit score may be a picture of your business practices.
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People often think if the wheels and /or axels are taken off a mobile home, and the structure is covered with brick or other siding, the home can qualify for a homeowners insurance policy which is much less expensive and has more coverages than a mobile home policy. This may seem like a plausable idea to many, but the insurance companies do not agree. As the insurance companies look at it, once a mobile, always a mobile home. A mobile home is just that-mobile. This means it was designed to be moved one or more times. It's construction is different from a house constructed on its permanent site. For this reason insurance companies have especially designed policies for mobile homes. Most of the time these policies are more expensive and have some limitations of coverage. If you own a mobile home and are thinking of making it your permanent dwelling, you should be aware it will require a mobile home policy even if you set it on a permanent foundation and cover it wit ...
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Novemver 11 is a day to remember and say Thank You to all those who served to preserve our freedom.
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It's almost time for "Trick or Trunk" on the square in Honey Grove. It is a beautiful day and we hope to see many young trick or treeters coming to get a treat. Stay Safe and Happy Halloween!
Insurance Fraud comes in many forms. It may be burglaries, arson, bogus claims, or exaggerating losses or padding a claim to cover a deductible. The Texas Department of Insurance estimates the cost of property and casualty insurance fraud alone at $30 billion annually. This can add an additional $1,000 in annual prmiums for every American family.Insurance fraud is a crime, and you and every other citizen who pays insurance premiums are its victum. You can help fight insurance fraud by securing your home against burglary and working with your neighbors in a Neighborhood Watch program. Germania Insurance is offering FREE to clients a Shield of Protection sticker fthat indicates your property is protected by an award of up $10,000 for informatin leading to the arrest and convictin of anyone committing arson and a $500 reward for information about any theft or property destruction. The Shield of Protection sticker alerts evryone that you and Germania are serious about fighting fraud.To recieve your Shield of ...
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Good luck to our young people who are entering the Fannin County Fair
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Protect your ID. Check your statement often.
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Will my insurance company pay if a tree falls on my house?
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If your car is stolen you need to take action.
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By Phyllis Ryser on 8/22/2011 4:09 PM | Filed Under [Miscellaneous]
In this extremely hot, dry weather it is not uncommon for a house to become un-level or get a significant slab crack. We often are asked this question. Will the insurance company pay for cracks in foundations and/or leveling of my house?
Unfortunately in most cases the answer is "no". the home insurance policy does not pay to repair foundations or shifting of buildings due to changes in weather. On most policies this is specifically excluded. A crack in the foundation can be the result of drying of the soil under the slab causing the ground under the slab to crack and the slab cracks also. A house set on blocks or piers may become unlevel due to the cracking of the soil under the house causing the piers to shift. The insurance company does not consider this a "sudden and accidental loss." It is done over a period of time as the ground under the house dries.
These losses can be prevented or lessoned by watering the foundation and keeping the soil moist to p ...
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