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DD‚ÄčI Insurance Agency

24522 Harper Avenue

St Clair Shores, MI 48080

(313) 925-3216

My Blog

Blog

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UBER Driving

Posted on December 29, 2016 at 7:45 AM Comments comments (129)
UBER Driving, am I covered?

The simple answer, NO!
Even if your insurance company has an endorsement for UBER driving allowance, there is no coverage while using your vehicle in a commercial manor.

Your personal auto policy excludes any commercial use of your vehicle.  Some examples of commercial use? including but not limited to;
Uber, LYFT
Pizza or Newspaper delivery
Car pool for hire, driving passengers for a fee, including school children, doctor visits. If no fee or consideration exists there may be coverage.
Snow plowing

Another important note, these exposures can void your coverage even if the accident happens when you are not performing them.

"I was driving to my regular job, or running to the store, when the claim happened, this is my own personal use".  True, but the fact that you have the commercial exposure, at any time, still violates the contract of a personal policy and can be the basis on which a claim is denied.

So, before considering the extra money you may make, check your policy and speak with your insurance agent, (if they do not give this same answer, speak with another agent, please) and find out the cost of changing your insurance policy to a commercial one.

Remember, nothing is a "good deal", if it doesn't work, and your insurance policy needs to "work" for you.
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Tree Trimming

Posted on September 22, 2015 at 11:25 AM Comments comments (96)
Why do you need to keep trees trimmed and healthy?
This is a regular part of home maintenance that can make a big difference in not only the appearance of your home but also the safety and avoidance of future problems.

Yesterday, I had my long time customer,
 http://grossepointetreeservice.com  inspect and trim the trees on my property.  

I knew this was important to the upkeep and insurability of my home.  I asked the owner Tom for a list of reasons WHY I should keep trees trim and healthy.

He of course told me that my insurance company could non-renew or deny my coverage if trees were unruly, touching the roof, or unkempt.  (you might guess I knew that already!)

In addition, he stated that wind and storms, would cause the branches to wear down my roof and dent gutters, possibly causing my roof to need an early replacement or repair or the gutters to not work properly.

Next, he said if my trees hang over my roof and cause too much shade, the roof will not dry properly after rain and snow causing possible mold or water damage and moss growth on the roof.

Lastly, he reminded me, that tree limbs can break in wind, rain or snow storms, falling on my house or cars.  He can inspect trees for rot and week structure so they can be removed before you have a larger problem.

Good maintenance can and will help avoid many homeowner problems, but having the right insurance coverage for the unforeseen and unexpected loss is important too.

Call us or use the quote link on our website to review your home and auto coverage today.

And for a contractor with a good reputation, and excellent insurance (if I do say so myself) check out http://grossepointetreeservice.com. 

Amy

And, Yes the blue strip on the curb is in support of our police, fire and safety officers!
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Tree Trimming

Posted on September 22, 2015 at 11:19 AM Comments comments (0)
Why do you need to keep trees trimmed and healthy?
This is a regular part of home maintenance that can make a big difference in not only the appearance of your home but also the safety and avoidance of future problems.

Yesterday, I had my long time customer,  http://grossepointetreeservice.com,   inspect and trim the trees on my property.  

I knew this was important to the upkeep and insurability of my home.  I asked the owner Tom for a list of reasons WHY I should keep trees trim and healthy.

He of course told me that my insurance company could non-renew or deny my coverage if trees were unruly, touching the roof, or unkempt.  (you might guess I knew that already!)

In addition, he stated that wind and storms, would cause the branches to wear down my roof and dent gutters, possibly causing my roof to need an early replacement or repair or the gutters to not work properly.

Next, he said if my trees hang over my roof and cause too much shade, the roof will not dry properly after rain and snow causing possible mold or water damage and moss growth on the roof.

Lastly, he reminded me, that tree limbs can break in wind, rain or snow storms, falling on my house or cars.  He can inspect trees for rot and week structure so they can be removed before you have a larger problem.

Good maintenance can and will help avoid many homeowner problems, but having the right insurance coverage for the unforeseen and unexpected loss is important too.

Call us or use the quote link on our website to review your home and auto coverage today.

And for a contractor with a good reputation, and excellent insurance (if I do say so myself) check out http://grossepointetreeservice.com. 

Amy




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Quote form link now at DDI

Posted on April 21, 2015 at 8:51 PM Comments comments (118)
DDI now has a link to fill in your request for a quote,

Just go to the products page.

Thanks for visiting.
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National Mole day

Posted on October 23, 2014 at 9:40 AM Comments comments (70)
Chemistry buffs, this one's for you! Today is National Mole Day, commemorating Avogadro's number http://j.mp/1a0JRvz
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Business Insurance

Posted on June 5, 2014 at 10:02 AM Comments comments (77)
 
Why you should review your Insurance.
 
There are many good reasons to do a thorough insurancereview every year.
 
This is an ever changing marketplace, we move, expand,offer new products or services, hire employees.
 
Insurance coverages, your needs and company appetiteschange too. New endorsements and product offerings are happening all the time.
 
Do you have the most up-to-date, and comprehensivecoverage being offered?
 
Inflation, business expenses, Reconstruction costs aresome factors that affect the amount and type of coverage you need.
 
Employment practices liability, Data breach, Businessincome, Utility services, Equipment breakdown, Cyber Liability, Professionalliability, Co-insurance, have you reviewed these coverages? Are they reflectingyour current business exposure?
 
Do you carry Workmens Compensation? Have you reviewed whois covered?
 
A second set of eyes is always a good thing. Would youallow us to be the professional that offers that service to your business?
 
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DDI has a New Home

Posted on April 21, 2014 at 9:07 AM Comments comments (42)
DDI Insurance has a new home
 
Offices are now located at 20227 Mack Ave
                                       Grosse Pointe Woods, MI 48236
Between Norwood and Hunt Club.
 
Office hours by appointment.
 
 
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Contractors Insurance

Posted on February 17, 2014 at 8:25 AM Comments comments (64)
Contractors Insurance
 
Spring is in the air and that is good news for many people in the contractors professions.
 
At DDI we have some great programs and Competitive rates for all types of contractors including;
 
Awnings        Cable guys      Carpenters        Framing Contractors         Drywall      Concrete
 
Doors and Windows        Electrical          Fencing            Flooring              Gutters  
 
Handyman      Janitorial          Lawn Care         Lawn Sprinklers       Masonary      Painting
 
Pet fencing       Plaster    Plumbing    Residential Roofing      Siding       Sod     Tile and Stone
 
We can handle your General Liability,  Workers Comp and Commercial Auto.
 
We have the experience and know how to get the job done right.
 
Call us (313)402-5603  or email  [email protected] 
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Collectibles

Posted on December 3, 2013 at 10:11 AM Comments comments (257)
Christmas is a great time to think about traditions, family, and those we love.
Many of us have Christmas collectibles, Family Heirlooms and the like that are priceless to us.
Have you thought about whether these are covered on your homeowners Insurance.
I remember a sweet lady to went to add to her precious moments Christmas ornaments and found out her personal collection was worth almost $100,000.  She just liked the ornaments.
These and many things in your home need extra coverages to adequately protect them.
Here are some examples of collection amounts and the price to insure them
                                                      Recent Accounts:
Type                              Amount of Insurance                    Premium
Fine Art                         $631,983                                     $1,748
Sports Memorabilia         $425,000                                     $1,322
Art (prints, lithographs)    $282,000                                     $1,112
Entertainment
 (movies/music)               $250,000                                    $1,038
Trains                             $168,6000                                     $481
Sports- Cards, uniforms     $150,000                                     $658
Antique Furniture               $137,000                                     $549
Advertising Memorabilia       $34,000                                     $193
Weapons (gun, ammo)         $25,000                                     $165
 Our policy covers - Burglary & Theft, Fire, Flood*,(*not available in all areas)
 Natural Disaster, Breakage, Shipping & Transit
 
I want to see those trains!!! 
 
So as we add to these collections, show them off, bring them out of storage or just admire them, check with me, or your agent and see if you are insured.
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Safe Habits

Posted on November 20, 2013 at 8:56 AM Comments comments (54)
So I recently had the opportunity to go flying over the mountains with my daughter as my personal pilot. Awesome experience.
 
We have flown together before and she is a good and careful pilot. 
 
The flight pre-check made me think that if we drove and operated our cars with the same diligence, we would be so much safer.
 
They say we are safer in the air than on the road, I think I understand now why that is.
 
To fly, you must check the gas, the oil, the engines, inspect the plane, there is a checklist that you are required to complete every time.  When the engine wasn't idling right, we returned to the airport without taking off.  The engine warmed up and we were set to fly.
 
Susan, explained that we had to plan where we were going before we left and make sure we were familiar with that aircraft also.
 
In her words, I can't look for the windshield wipers at 9,000 feet!
 
So I ask today, do you exercise caution before you leave your driveway?
 
Let's be safe out there on the roads.
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