Billy R. Martin Insurance Agency
INSURANCE YOU CAN TRUST
Being a homeowner brings us a deep sense of pride but also a responsibility. Winter weather can be rough on a home, sometimes even causing serious damage. Spring is a great time to take care of home maintenance projects by taking advantage of the warmer weather. For your convenience, Billy R. Martin Insurance Agency has put together this spring home maintenance checklist to help your home recover from winter.
Check Your Roof and Siding
Cold weather and winter winds can take its toll on a house. If there’s snow and ice, or freezing and thawing for even a few days, these can cause damage as well. Get on a ladder and carefully inspect your roof and siding, or hire a professional to do this for you. You may find that you have loose shingles or water leaks going through to the inside of your home. These should be fixed immediately to prevent further damage.
Check Your Attic
If your roof is leaking, you should check your attic to see whether repairs are needed there as well. Left unchecked, any leaking or condensation will lead to mold and rotting wood, which ultimately will need to be replaced. Also, check your attic insulation. A well-insulated attic will save you money on your utility bill by keeping warm air in your home during the winter and hot air outside in the summer.
Clean Gutters and Downspouts
Leaves and other debris can clog up your gutters and downspouts, causing rain to overflow. This can cause problems for your home’s foundation and allow water to seep into your basement. Break out a good pair of garden gloves and clean out as much debris as possible. Hire a professional if you’re not comfortable getting on a ladder, or simply don’t want to do this.
If chilly drafts come through your windows during the winter months, you should check them for potential cracks in the glass or seals. Cracks can also let in water when it rains, which will cause further damage to your home. Repair the seals if possible or replace windows as needed.
Inspect Your Driveway
Winters wreak havoc on driveways as water can seep in and cause them to crack. If your driveway has a lot of cracks following this last winter, look into resealing it to prevent further damage.
Inspect Your Deck
Decks eventually begin to look worn-down and old. They need to be pressure-washed and resealed every few years.
Protect Your Home with Homeowners Insurance
Your home is an investment. Take the best care of it you can by protecting it with homeowners insurance through a trustworthy agent.
For over 50 years, Billy R. Martin Insurance Agency has been providing the Tyler, TX area with great customer service and support. Our family owned business continuously strives to establish personal relationships with every single customer, putting customer satisfaction ahead of business concerns. If you’re looking for an honest and straightforward insurance agency with a good ol’ fashioned touch and customer focus, contact us today. Just visit our website or give us a call at 903-581-8191. You’ll LOVE doing business with us.
There’s no better feeling than being out on the water on your boat. Whether you’re out there fishing, tubing, water skiing, or just taking a relaxing sunset ride, we can all agree that life is better on the water.
This summer, make sure you and your boat are safe on the water. Check your boat’s insurance to make sure that it’s up to date, and follow these safety tips when boating.
Boats provide recreation and adventure for owners, however, you don’t want to let an accident or disaster sink your boat. That’s why it is important that your boat is properly insured.
There are many different things that factor into which type of insurance you will need and how much you will be paying for coverage. These factors include the size, type, and value of your boat, as well as the type of water you plan to be taking your boat out in. Billy R. Martin Insurance Agency can help you determine the right amount of coverage to meet your needs. Here are some things to consider when shopping for boat insurance in Texas:
There are thousands of boating accidents each year that can be costly in damages as well as injuries. The best way to ensure an accident and claims-free experience is to follow boating safety tips.
Billy R. Martin Insurance Agency can help make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft, and your boating equipment.
You’ll enjoy being on the water, even more, when you aren’t worried about your safety, the safety of your passengers, or your investment. Give us a call today at 903-581-8191 or visit our website to get started!
Summer is almost upon us. Before you head out on vacation or a road trip to visit family, it’s a good time to review your insurance policies. Life happens and things inevitably change, so you want to make sure you and your family are adequately insured.
Reviewing your insurance policies and premiums should be done once per year, ideally at their renewal date, much like scheduling your annual physical. Most policyholders don’t understand the coverage they have and could be potentially spending more for coverage they don’t actually need.
Insurance policies are considered living documents, meaning they can be changed based upon life events or circumstances. Some of the life events that could have a huge impact on your insurance cost, coverage, and options include, but are not limited to:
Any of these events can substantially impact your coverage needs and your annual premium costs. Reviewing your insurance yearly gives you the opportunity to view how these life changes affect your coverage and allows you to make any necessary changes.
Since each insurance policy is different, here’s an overview of what to look for.
When your homeowners’ policy is up for renewal, take the time to review each section even if you haven’t made any significant improvements. Any changes in your income or living situation will cause a change in your policy coverages and premiums. Circumstances beyond your control, including changes in your local real estate market and recent weather events (i.e. flooding, tornadoes), could also affect your policy.
If you’ve added onto or remodeled your home since your last renewal, the value of your home has increased as well as the cost of repairing it in the event of a covered event. You’ll likely need to review your policy and increase the amount of coverage to ensure your investment is adequately protected.
In order for all the drivers in your family to have adequate coverage and protection, review your auto policies annually. If you’ve purchased or sold a vehicle, increase or decrease your coverage accordingly. If the value of a vehicle is less than $3,500, you might be able to carry liability coverage only. If there’s a new driver on your policy, increasing coverage would be in your best interest.
Policy renewal is also a good time to review your driving habits. Do you have any upcoming trips that might require additional coverage? Are you putting more or fewer miles on your vehicle(s) as compared to last year? Reviewing your policy and asking these questions will save you money as well as give you peace of mind.
Life events, such as a new baby or caring for an aging parent, should trigger a review of your policy. Your life insurance should increase to accommodate for all of the family members who depend on you for care. If there has been in your health (for better or worse) or stress levels due to your job or family dynamic, it could be a good time to review and possibly amend your life insurance policy. In general, you should not reduce your life insurance, regardless of your current situation. If the unfortunate event occurs and you are no longer there., you still will want to be able to provide for your loved ones.
Reviewing insurance policies isn’t exciting, but it is essential to your long-term financial planning. Plus it will give you peace of mind if you have to file a claim, as you know you and your family are sufficiently covered.
Since 1956, Billy R. Martin Insurance Agency has been providing the Tyler area with the utmost in customer service and support. We offer a variety of commercial and personal lines insurance, performing an evaluation to ensure each client receives the most optimal coverage for the best possible price. If you’re searching for a professional insurance agency with a good ole’ fashioned touch and customer focus, visit our website and give us a call at 903-581-8191.
Filing for any kind of insurance claim can be a stressful process. Not only are you worried about whatever you may be filing a claim for, but the claims process may be unfamiliar to you and stress you out even more! The good news is that insurance agents are there to help you, and good agents will be willing to walk you through the entire claims process, so you feel as comfortable as possible.
The team at Billy R Martin Insurance believes you should know the role of an insurance agency during the claims process, as well as the insurance agent’s role so that you know what to expect before you make your claim. The claims process will go something like this:
Contact Your Agent. As soon as your accident happens, you should call your insurance and contact an agent. Depending on where you live, your state may have different statutes of limitations, and it’s best to get ahead of a claim and have your agent investigate it before anything happens.
Review Your Policy. Your agent will review your policy with you, which includes going over your coverage. They will likely need to know basic information about your policy, such as your current contact information, policy number, type of coverage, and a description of the policy so they can find the right information for you. All of this can be found on your certificate of liability insurance.
Ask Lots of Questions. Although your insurance agent isn’t the one literally filing the claim, they are a great resource for you throughout the process, and you should be comfortable to ask as many questions as you need. Ask about any time constraints, how to get back in contact with your agent, and when you should expect to hear back.
Take Notes. Any communication that you have with outside parties or your insurance agent should be documented and kept so that you have evidence of it later on. This includes any emails and phone calls, or even in-person conversations. Should anything happen later on, this evidence could help you in the claims process.
Ask For Recommendations. In the event that you face a lawsuit, ask your insurance agent for the recommended course of action for you. This may include answering the claim, dismissing the claim, or settling the claim. The best course of action for you depends on the claim that was filed and the coverage you have, and your insurance agent will be able to suggest the best move.
At Billy R Martin Insurance, we understand the importance of building relationships with all of our clients. That’s why we have a team of experienced and knowledgeable agents ready for you at any moment because you never know when you’ll have to file a claim. Our insurance agency has been serving the Tyler, Texas area since 1956, so trust us when we say we know claims services and how to best serve you! To learn more, send us a message or give us a call at 903-581-8191.
How to Recover From Winter -Tips on Spring Home Maintenance
Boat Insurance & Boat Safety
How to Review Your Insurance Policies
What Does an Insurance Agent Do in the Claims Process?
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Billy Martin Insurance is located at 2032 Republic Dr, Tyler, Texas 75701. We are open Monday through Friday from 8 am until 5 pm. One of our staff will be happy to speak with you and find the best fit for your insurance needs. Billy Martin Insurance has been a part of Smith County in Tyler, Texas since 1956. We continue to serve the greater East Texas area with the same values and integrity as the day our doors were opened.
If you are new to the Tyler, Texas area or have lived in Smith County all your life come by and talk to our helpful staff for all of your insurance needs. We understand the insurance needs of life in East Texas because we live right here.
Billy Martin Insurance is an Independent agent, which means we have numerous companies to select the best insurance available for your specific needs. This allows you to shop around and stay with one agent right here in Tyler, Texas.
So, whether you need Home, Auto, Commercial, Workers Comp, or any other insurance needs, come by or give us a call!
or call 903.581.8191
INSURANCE YOU CAN TRUST
If you experiance any problem contacting us dial 903.218.7964
Billy R. Martin Insurance
2032 Republic Drive
Tyler, TX 75701
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