Author: Cheney Insurance

What Does an Insurance Claims Adjuster Do?

A claims adjuster (also known as an insurance adjuster) investigates and determines how much your insurance company should pay you when you make a claim for damage or losses. A property and casualty adjuster investigates automobile, business and home claims. Claims adjusters may handle property claims involving damage to vehicles or structures, or liability claims […]

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Is Vehicle Damage From Rodents Covered by Personal Auto Insurance?

Many people get auto insurance for protection against collision losses. What many drivers don’t know is that a policy written for collision doesn’t necessarily cover damage from animals and other non-collision incidents, such as vandalism, earthquakes, floods and even objects falling from space. For those, you need comprehensive coverage, or “other-than-collision” insurance. Rodent damage typically […]

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What is Inland Marine Insurance?

Don’t be fooled by the term “marine” in inland marine insurance, a kind of insurance that covers property shipped over land. The coverage was first offered by ocean marine insurers, so the word “inland” distinguishes it from cargo shipped by sea. Today, many insurers offer this coverage, with a number of policies available for specific […]

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Are You Covered for Water/Sewer Backup?

Heavy rain and wind can reveal underlying issues around your home that go undetected otherwise.  Though this isn’t always the case. As first-time homeowners, my husband and I spent our first Christmas morning dealing with greywater that had backed up into the washing machine in our basement.  Fortunately, we were able to get emergency service […]

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Your Home and Hungry Bears

Bear knocking down a bird feeder

Spring officially arrives March 20th.  March winds, green grass appearing under winter’s thatch, and new visitors to the bird feeder are all harbingers of Spring.  So are hungry bears, even in Midcoast Maine. Each year, in Spring and early Summer the Maine Department of Inland Fisheries and Wildlife receive numerous calls from homeowners who are […]

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March 2021: Roaring in Like a Lion

Roaring in like a Lion

Midcoast Maine has recently been battered by a series of powerful storms with damaging winds.  Many residents lost power or are pleasantly surprised that they didn’t.  Driving around you cannot help but notice many felled trees, but also the tree service crews that are a welcome sight. Does Homeowner’s Insurance Cover Tree Damage? There is […]

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