Texas Oil & Gas Association’s Post

Deer collisions are common in autumn occurring mostly around dawn and dusk; knowing how to respond in an accident with a deer is crucial. If you hit a deer, move your vehicle to a safe spot, turn on hazard lights, and check for injuries to yourself and passengers. Call the police to report the incident and inform them of any traffic hazards. Laws on accident reporting differ by state, so make sure to notify authorities. If you can safely exit the car, take photos of damage to your car, the accident location, injuries, and get witness contact information and their perspective on the incident. Don't attempt to touch or move the deer. Deer are strong and even an injured deer can have a powerful kick. Once you've filled out the police report, call your insurance agent. They'll explain your options and coverage, and help you file a claim (if necessary). * * * We at Licata Insurance are Independent Agents untethered to any one insurance group. We have 40+ years experience finding the right insurance policy for your needs with the top leading insurance companies. Call Licata Insurance for a free consultation. 1-877-4-Licata #suffernny #mahwahnj #sloatsburgny #tuxedony #rocklandcountyny #bergencountynj #orangecountyny

🌳 Elevating the Green Industry: Unveiling the Crucial Role of P&C Insurance for Tree Companies! 🌳 Excited to shed light on the pivotal role of Property & Casualty (P&C) insurance in the world of arboriculture. As your dedicated P&C insurance agent, I've witnessed firsthand how comprehensive coverage can be a game-changer for tree companies like yours. 🏡🌲 🏗️ **Crane Coverage**: Safeguarding your operations during tree removals and pruning, crane coverage is the key to mitigating risks and ensuring a secure environment for your team and clients alike. 🚧🏗️ 💼 **Riggers Liability**: In your high-risk industry, the importance of liability coverage cannot be overstated. Riggers liability steps in to protect against third-party claims, allowing you to focus on your expertise – enhancing green spaces. 🌳👷♂️ 🏋️ **Weight of Boom**: Precision is paramount in arboriculture, and coverage for equipment damage ensures that your machinery investments are shielded, giving you the confidence to tackle even the most challenging projects. 💪🚜 🌐 **Global Reach, Local Impact**: As you expand your tree-loving footprint, P&C insurance enables you to adapt to diverse landscapes and regulations. Whether in urban canopies or rural settings, our coverage evolves with your growth. 🌍🌳 📸 Join the conversation by sharing your experiences and insights! 🤝💬 #PandCinsurance #TreeIndustryInsights #GreenSpacesProtection #ArboricultureSecurity #SafetyFirst #InsuranceAgent 🌲🔒

Tips For Filing A Tornado Insurance Claim. Filing an insurance claim in the aftermath of a tornado can be frustrating due to the extensive damage that needs to be documented, the emotional stress of the situation, the potential for delays and disputes with the insurance company, and the possibility of inadequate coverage. Read our blogs. Link in bio. #HoustonTornado #WindDamage #FileClaims #InsuranceClaims #Delayed #Denied #Underpaid #CommercialDamage #ResidentialDamage #VossLawFirm #VLF

Fantastic piece from Esri about the work Property & Liability Resource Bureau and Gridmetrics, Inc.are doing to help bring clarity and certainty to our 1,000+ member insurance companies so they can handle power outage-related claims quickly, efficiently and fairly, allowing their customers to get back on their feet. With all the wild weather that seems to be happening daily in the US, this couldn't come at a better time for insureds and insurers, alike. (and, of course, it's completely free for PLRB members, along with everything else we do!) Read more in Esri's blog #insurance #mapping #weather #poweroutage #hail #wind #foodspoilage #claimsadjuster

If you've heard me talk about PFAS you know Insurance Archeology is my favorite insurance buzzword. It sounds like something from a movie (a movie I would watch) but it's a real solution being used by insurance experts to find and restore lost or unknown insurance policies to provide coverage for new claims with a historical component. The attached article is an excellent example of when, how and why Insurance Archeology is used to provide resources for PFAS, outlining how specialists from Marsh Advisory's Complex Liability Consulting Practice recently helped a manufacturing client recover over $20M of defense and indemnity costs associated with a PFAS claim. While finding the coverage is an important part of this process, the Marsh Advisory team also works with the identified participating carriers to advocate for their clients, negotiating cost-share agreements and prepping all parties for next steps in covering existing and future claims. New coverage for PFAS products in the US insurance marketplace is becoming increasingly difficult to find and may be cost prohibitive for companies, especially at the middle market level. Not impossible but not great. For companies that have operated for some time, it's very possible they had coverage for PFAS on an occurrence basis until recently. Insurance Archeology can help clients understand their liability coverage and determine the best course of action to recover available resources. #MarshMMA

As we transition into fall, deer are more active, especially during dawn and dusk. With that in mind, it’s important to be extra vigilant on the roads throughout the season.🦌 Here are some tips to keep you safe: 1️⃣ Drive slowly, and stay alert. Reduce your speed, especially in rural and wooded areas. 2️⃣ Always scan the shoulders for deer. At night, watch for the reflection of deer eyes in your headlights. 3️⃣ If driving at dawn or dusk, use your high beams when appropriate to increase visibility. 4️⃣ It may be tempting, but try to avoid swerving. If a deer appears, it's much safer to immediately brake and hit the deer than to swerve and risk a more serious accident. 5️⃣ Keep an eye out for more deer. Where there’s one, there are usually more. 6️⃣ Make sure your auto insurance will properly cover you in the case of an incident! For more information on auto insurance go to simon-insurance.com, or call our office to talk to one of our agents (517) 647-7111 #portlandmichigan #simoninsuranceagency #portlandmi #fallseason #autoinsurance #deerseason

Canada’s wildfire problems this year have been well documented but the insurance industry can play an important role in helping to protect communities. Check out the thoughts of our Canada CEO Jolee Crosby in this Insurance Business article.

🏠 Safeguard Your Queensland Property with the Right Insurance! 🛡️ Owning property comes with its unique challenges, and ensuring adequate protection is key. Here's a quick guide to essential insurance policies every Queensland property owner should consider: Property Insurance: Guard your physical property against damage, a must in Queensland's dynamic climate. 🏡✨ Liability Insurance: Protect yourself from legal claims in case of injuries on your property. Ideal for both urban and rural properties. ⚖️🛡️ Natural Disaster Insurance: Essential for peace of mind against Queensland's unpredictable weather – floods, fires, and storms. 🌪️🔥💧 Loss of Income Insurance: A safety net for your rental income, crucial when properties become uninhabitable due to unforeseen events. 💼💵 Don't let a rainy day in Queensland catch you unprepared. Secure the right coverage now! 💼🔒 Need more details on tailoring insurance to your property's specific needs in Queensland? DM us or leave a comment! 📩 Stay secure and thrive with confidence in Queensland's vibrant property market. 🌟 #QueenslandProperty #PropertyInsurance #RealEstateTips #ProtectYourAssets #InvestmentSecurity #LiabilityCoverage #DisasterRecovery #IncomeProtection

The discussion regarding whether a tornado qualifies as a "windstorm" under Texas property insurance policies, is using a recent appellate case as an example. The court determined that "windstorm" is an ambiguous term because it wasn't defined in the policy and can be reasonably interpreted in multiple ways. Consequently, the court ruled in favor of the policyholders, stating the deductible for windstorms should not apply to tornado damage, as per the policyholders' interpretation. This decision made by the courts could be the next step into an even harder market for property as Windstorm claims increase and litagation increases per policy holders. As the market tightens. #windstorm #tornado #commercialinsurance #underwriting

Depending on your homeowner's insurance, they may be able to offer you an extension to vacant land insurance. The one problem with getting vacant land insurance through your traditional homeowner's insurance provider is a lack of expertise. Most agents just don’t have the experience to advise on matters involving outdoor recreation type coverages. That’s why many people prefer to work with companies that specialize in insuring vacant land, a general liability policy that protects pieces of vacant land or unimproved tracts. Some vacant land policy companies such as American Hunting Lease Association cover abandoned structures like old barns, hunting cabins and sheds . It also helps protect a landowner if someone attempts to sue you for damage done to their property or if they get hurt on your land. Per the Insurance Information Institute, the average claim for bodily injury and property damage from 2017 to 2021 was over $31,663 A policy with limits of one million dollars per occurrence and two million dollars aggregate will vary in the range of $245 annually, based solely on the amount of acreage. The affordability of such coverage makes it nearly impossible not to consider. For more information on Vacant Land Insurance - click here: https://bit.ly/3U6bUJM #AHLA #huntingleaseinsurance #huntclubinsurance #vacantlandinsurance