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Posted by on in The Fin

Volume 7, Issue 26
January 1, 2018

Our Mission

Safety. Security. Trust
The foundation on which we do business. At Feldbruegge Insurance we strive to build long-term relationships with our clients, by providing high-quality service at an affordable price.

Our Purpose

It is our goal to obtain a thorough understanding of your insurance needs in order to create a customized policy with reliable coverage.

agent

Are you looking for a higher rate of return?

Our annuity rates range from 1.45%-1.85% guaranteed.*

Schedule an appointment today!
(715) 223-6566


*rates are subject to change

What Is A Fire Department Service Charge?

Fire Department service charge coverage in a homeowner’s or farmowner’s insurance policy covers charges imposed by a fire department for their services in fighting a fire, usually subject to a separate limit of insurance. Currently the base limit is $500 on many farm and homeowners policies.

This charge could vary from fire to fire, depending on the time spent to control the fire.

If heavy equipment is used, such as a backhoe or bulldozer, that charge may be passed on to you the property owner.

Can I purchase Higher Limits?

Yes, you can. A Fire Department Service Charge Endorsement allows for higher limits or charges in excess of the basic amount provided by your policy.

It’s an inexpensive peace of mind coverage to raise your current limit, and is usually based on a rate per $100 of coverage.

What do Fire Departments Charge?

Recently, many area fire departments have raised their rate from $500 to $1,000 to respond to a fire. If more than one department responds, you may be liable for more than one charge. Not to mention the Department of Natural Resources (DNR) response to a rural fire with their heavy equipment.

What’s The Bottom Line

Be wise, check with your township to see what they will charge you and then call us to see what it will cost you to increase that limit. Remember, an ounce of prevention is worth a pound of cure. Let us help you weigh your options.

If you do not know your fire department coverage limit on your insurance policy, we will be happy to assist you.

Call (715) 223-6566
Email fins09@gmail.com
Or reach out to us through our website
www.feldbrueggeinsurance.com

 


Surviving Cold Weather

Much of the country periodically experiences severe and sustained cold weather, with snowfalls interspersed with periods of melting and freezing. This can inflict considerable damage on your home.
Here are some tips and steps that you can take to make insurance losses less likely during extended severe weather.

  • Keep sidewalks and entrances to your home free from snow and ice.
  • Watch for ice dams near gutter downspouts. Keep gutters free of leaves and debris so melting snow and ice can flow freely. Because ice dams can cause water to build up and seep into your house.
  • Know where the main water shutoff is located in your home. Find out how it works in case you have to use it.
  • If ice forms on tree limbs, watch for dead, damaged or dangerous branches that could break and fall. Because the weight of ice, snow, or the wind could damage your house, car or injure someone walking near your property.
  • If your garage is attached to your house, keep the garage doors closed. The door leading to your house is probably not as well-insulated as your exterior door.
  • If you use a fireplace wood stove, or an electric heater, watch them closely and make sure they are in proper working order.
  • Also, if you have a fireplace, remember to close the flue when you’re not using it
  • If you plan to be away for an extended period of time, drain your water system in order to keep your pipes from freezing or bursting.

Let Us Know …

Would you like to receive your newsletter by email? If so, please call us, (715) 223-6566 or email us at fins09@gmail.com to verify your current email address.


Enter Our Quarterly Drawing

And Win $$$

For each new client you refer to us, your name will be entered in our quarterly drawing.

Three names will be picked each quarter. Each winner will receive a

$30 Abby-Colby Chamber gift certificate.

To be entered in the contest, make sure the person you refer to us mentions your name.

Enter often to win!

Congratulations To Our WINNERS!

Doug Blair

John Heil

Theresa Ibarra

 address
Please call me if you would like an insurance review of your current policies.

“Joe”

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Posted by on in The Fin

Volume 6, Issue 21
January 1, 2017

Our Mission

Safety. Security. Trust
The foundation on which we do business. At Feldbruegge Insurance we strive to build long-term relationships with our clients, by providing high-quality service at an affordable price.

Our Purpose

It is our goal to obtain a thorough understanding of your insurance needs in order to create a customized policy with reliable coverage.

agent

Are you looking for a higher rate of return?

Our annuity rates range from 1.45%-1.85% guaranteed.*

Schedule an appointment today!
(715) 223-6566


*rates are subject to change

 Equipment Breakdown Coverage … Do I Need It?

“If it uses electrical power, it is most likely subject to equipment breakdown.”

Equipment Breakdown coverage protects you against unexpected repair or replacement costs due to an electrical, mechanical, or pressure system breakdown. Best of all, this additional coverage follows the terms and conditions of your homeowners policy, and Off-Premises Coverage is now included.
There are several items in your home that could be at risk.

  • Clothes Washers and Dryers
  • Computer Equipment
  • Dishwashers
  • Freezers Units
  • Garbage Disposals
  • Heat Pumps
  • Home Heating
  • Central A/C
  • Home Security Systems
  • Kitchen Refrigerators
  • Lighting and Home Environment Monitoring
  • Microwaves
  • Ovens
  • Sump Pumps
  • Surround Sound Systems
  • Swimming Pool Equipment
  • Televisions (Plasma, LCD, etc.)
  • Water Heaters
  • Well Water Pumps

What Would Be Some Typical Losses?

During a family vacation, a storm caused a power outage. A laptop computer and cell phone were charging when the outage occurred. When power was restored, a voltage spike damaged the item beyond repair and required their replacement. With the Off-Premises Coverage the homeowner would now be covered. Cost of repairs: $3750.

A personal computer (PC) used to control multiple systems (HVAC, lighting and irrigation) within the home sustained electrical damage from a power surge. Replacement of the computer and the unique programming was required. Property Damage $2,975.


Frequently Asked Questions?

Q. How does this coverage differ from a home warranty?

A. A home warranty is expensive. It may also restrict certain equipment or include it at an additional cost. By adding the equipment breakdown enhancement endorsement to your homeowner’s policy, coverage applies to all real and personal property in your home.

Q. What is the difference between wear and tear and mechanical breakdown?

A. A mechanical breakdown usually occurs suddenly. Wear and tear usually occurs over time. In instances where wear and tear occurs, performance of the equipment slowly declines and its capacity diminishes; however, the equipment continues to operate but does not perform as expected. Therefore, because coverage for wear and tear is excluded in the homeowner’s policy and no equipment breakdown has occurred, there would also be no coverage provided by the equipment breakdown endorsement.

We Want To Hear From You

Would you like to receive your newsletter by email? If so, please call us, (715) 223-6566 or email us at fins09@gmail.com to verify your current email address.


Enter Our Quarterly Drawing

And Win $$$

For each new client you refer to us, your name will be entered in our quarterly drawing.

Three names will be picked each quarter. Each winner will receive a

$30 Abby-Colby Chamber gift certificate.

To be entered in the contest, make sure the person you refer to us mentions your name.

Enter often to win!

Congratulations To Our WINNERS!

Terry Schmitt
$50 First Place

Steve Hunsader
$25 Second Place

Larry Hederer
$10 Third Place

 address
Please call me if you would like an insurance review of your current policies.

“Joe”

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Posted by on in The Fin

Volume 5, Issue 19
July 1, 2016

Insure Against The Risk Of Sewer Backup

Spring showers and related flooding can overburden sewer systems, causing raw sewage to back up into the drains in your home. Backed-up sewers can wreak havoc, causing thousands of dollars in damage to floors, walls, furniture and electrical systems.

Sewer backups or the inability of sump pumps to handle runoff water from major downpours may be covered, partially covered, or not covered at all under a homeowners insurance policy. Some companies will let you purchase the coverage as an endorsement to a homeowners policy for a nominal cost. It’s a good idea to call us or check your policy to see if you have adequate sewer backup coverage.

For homes that have been severely damaged and are uninhabitable, homeowners policies provide Loss of Use coverage, which provides reimbursement for lodging, food, and other living expenses you may incur if you cannot live in your home.

Causes Of Sewer Backup

Aging Sewer Systems: The Civil Engineering Research Foundation reports that the number of backed up sewers is increasing at the alarming rate of about 3 percent annually. In addition, a recent report from the American Society of Civil Engineers indicates that the nation’s 500,000 plus miles of sewer lines are on average over thirty years old. The increase in the number of homes connected to already aging sewage systems has also contributed to rapid increases in sanitary sewer backups, flooded basements, and overflows.

Blockages Due To Tree Roots: Shrubs and trees seeking moisture will make their way into sewer line cracks. These roots can cause extensive damage. They may start out small, getting into a small crack in the pipe; but as the tree or shrub continues to grow, so does the root. Tree roots can enter the service pipe at joints and cause blockages. Tree roots can travel a long way, and roots from different types of trees act differently. If city trees are suspected, your plumber can contact the city, and samples of the roots will be used to help identify the trees and who is responsible for cleanup. Sometimes the blockage is a result of a combination of city and private trees.

Water In Basement: Most basement flooding is not related to the sanitary sewer system. In many cases, soil settles next to a building, and if not corrected, leads to rainwater flowing towards the building and down the outside of the foundation wall. Drainage can be improved by making sure that water drains away from a building. Don’t let a sewer backup be a drain on your home or finances; make sure to have the proper coverage.

The majority of the claims that are submitted to our companies are due to a sump pump failure or a power outage.

An easy way to prevent this situation from happening to you is to have a battery backup on your sump pump. Also, occasionally pour some water in your sump well to see if your sump pump is working properly. This small step may be the difference between having a claim or not having a claim.

We Want To Hear From You

Would you like to receive your newsletter by email? If so, please call us, (715) 223-6566 or email us at fins09@gmail.com to verify your current email address.

Enter Our Quarterly Drawing And Win $$$

For each new client you refer to us, your name will be entered in our quarterly drawing.

Three names will be picked every quarter. Winners receive an

Abby-Colby Chamber gift certificate. First place receives $50.00, second place receives $25.00 and third place receives $10.00.

To be entered in the contest, make sure the person you refer to us mentions your name.

Enter often to win!

Congratulations To Our

First Quarter Winners!

fireworks

Daryl Halopka $50 - First Place
Sara Blume $25 - Second Place
Matt Stange $10 -Third Place
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Business Hours

Monday-Friday: 8am to 5:00pm
Nights and Weekends: By Appointment

(715) 223-6566
Fax: (715) 223-6566

Email Us

Our Office Locations

    • ABBoTSFORD WI

      105 N First Street
      PO Box D
      Abbotsford, WI 54405