The Tague Team fan captains (Jen, Robin, and Tony) each had a baby pumpkin with which they could do as they chose. The goal was to get the most votes from our Facebook fans. Jen did a spectacular decorative carving on her pumpkin and the majority of voters chose her pumpkin. I guess our fans have an eye for beauty and skill!!!
Since Jen was the winning fan captain she drew this week's winning fan...watch the video below and stay tuned each week for the Tague Insurance Fan of the Week drawing.
Saturday, October 30, 2010
Friday, October 15, 2010
Fan Flip - Tague Insurance Fan of the Week #12
Congratulations to our winner....you won a $25 Visa Card!!! Tague Insurance sincerely appreciates our Facebook Fans.
Spread the word to all your Facebook Friends to Like our page so they have a chance at winning.
*** Winners: please email your mailing address to info@tagueins.com so we can send out your gift card.
Spread the word to all your Facebook Friends to Like our page so they have a chance at winning.
*** Winners: please email your mailing address to info@tagueins.com so we can send out your gift card.
Saturday, October 9, 2010
Ping Pong Picker - Fan of the Week #11
Week #11 Drawing....If you are the winner please email your mailing address to info@tagueins.com so we can send out your $25 Visa card. Please tell your FB Friends to "Like" our page so we can hit 500 Fans by the end of the year!!!!
Tuesday, October 5, 2010
Tague Insurance Celebrates 40 Years In Business
Steve Tague started the Tague Insurance Agency in Carlsbad, Ca forty years ago. Steve has been a fixture in the local Carlsbad community. Dedicating his time over the years to the Boys & Girls Club and other organizations.
The staff at Tague Insurance enjoy working with local residents as well as clients from all over Southern California. We are blessed to serve over 5000 clients with personal and business insurance.
Congratulations Steve on 40 years...we look forward to many more wonderful years ahead! Thank you to our clients who have made these past 40 years possible, without you Tague Insurance would not exist.
The staff at Tague Insurance enjoy working with local residents as well as clients from all over Southern California. We are blessed to serve over 5000 clients with personal and business insurance.
Congratulations Steve on 40 years...we look forward to many more wonderful years ahead! Thank you to our clients who have made these past 40 years possible, without you Tague Insurance would not exist.
Friday, October 1, 2010
Fan Bounce - Facebook Fan of the Week #10
Tague Insurance brings you another Facebook Fan drawing. Tague Insurance loves rewarding our fans. Some of them are auto insurance or home insurance clients, some are fans that do not currently work with Tague Insurance. We look forward to these fun drawings each week and hope that our Facebook Fans find them funny and enjoyable.
Congrats to this week's winner, Christopher Rusk. You won a $25.00 Visa card!!!
Congrats to this week's winner, Christopher Rusk. You won a $25.00 Visa card!!!
Sunday, September 26, 2010
When A Loss Occurs You Have A Duty To Preserve Your Property
Duty To Preserve Property
When a loss happens under an insurance policy, besides a need to get the damaged or lost property replaced or repaired, the property owner has a number of immediate responsibilities. Besides being obligated to report the loss to her insurance company and to cooperate with the insurer in handling the claim, she also has a responsibility to minimize the loss. This obligation holds for both personal and commercial loss situations.
Most insurance policies contain specific references to the duty to protect property from further harm. It may be called a Neglect provision or Preservation of Property; regardless, insurance companies rely on their policyholders to make a reasonable effort to reduce the level of loss under their policies.
Here’s an example. Jenny’s restaurant staff is in an uproar as a fire has been discovered in a small storage area located behind the main kitchen. It’s after closing time, so Jenny only has to worry about clearing her employees out of the building and she orders everyone out and then arranges a role call to be certain that everyone is safely accounted for. Then she makes a call to the Fire Department. All the while, she stops anyone from attempting to extinguish the fire. As it turns out, the fire spreads from the storage area and into the kitchen, severely damaging the heart of her restaurant. After investigating the loss, Jenny’s insurer reduces her claim payment by $10,000. The lower payment is justified by their finding that the loss would not have been nearly as severe if Jenny had allowed her staff to use the available fire extinguishers and had made the emergency call more quickly.
Policy wording with regard to the duty to protect property typically notifies the policyholder that he or she is expected to take any and all available measures to save or preserve property in the midst of a loss. This does leave room for interpretation, but the obligation does fall comfortably in between the extremes of using heroic measures and failing to make any effort to protect property. A failure to meet the obligation can result in either a partial or, in extreme instances, a total denial of coverage for a given loss.
Here’s another example. The Laggleson family goes outside to check for any damage to their home after a violent windstorm. Besides a lot of scattered debris and an overturned patio set, they notice that a large limb from their Chinese Elm was blown onto their roof, creating a large gash. Several hours later a rainstorm comes through the area and the rain that pours through the hole damages expensive furniture stored in the attic as well as damages creates drywall damage to a bedroom ceiling and walls.
Scenario One – the initial damage occurred early on a Thursday morning with the storm occurring in the afternoon. The Lagglesons decided to go on to work and school and to handle things after returning home.
Scenario Two – the initial damage occurred on a Sunday morning, around 3 a.m. with the storm occurring around 6 a.m. The Lagglesons made several frantic calls but could not find anyone willing to come out to their home to deal with the open roof until Monday morning.
In both scenarios a failure to preserve the property after the initial loss created additional damage. However, it is only in the first scenario that the policyholder may suffer a consequence. In such cases, the loss circumstances have a significant bearing on how the insurer may respond and the policyholder’s actions are critical. A reasonable effort under the circumstances may mean all the difference.
If you need more help in understanding your responsibility after a loss, be sure to discuss your concern with an insurance professional.
COPYRIGHT: Insurance Publishing Plus, Inc. 2010
When a loss happens under an insurance policy, besides a need to get the damaged or lost property replaced or repaired, the property owner has a number of immediate responsibilities. Besides being obligated to report the loss to her insurance company and to cooperate with the insurer in handling the claim, she also has a responsibility to minimize the loss. This obligation holds for both personal and commercial loss situations.
Most insurance policies contain specific references to the duty to protect property from further harm. It may be called a Neglect provision or Preservation of Property; regardless, insurance companies rely on their policyholders to make a reasonable effort to reduce the level of loss under their policies.
Here’s an example. Jenny’s restaurant staff is in an uproar as a fire has been discovered in a small storage area located behind the main kitchen. It’s after closing time, so Jenny only has to worry about clearing her employees out of the building and she orders everyone out and then arranges a role call to be certain that everyone is safely accounted for. Then she makes a call to the Fire Department. All the while, she stops anyone from attempting to extinguish the fire. As it turns out, the fire spreads from the storage area and into the kitchen, severely damaging the heart of her restaurant. After investigating the loss, Jenny’s insurer reduces her claim payment by $10,000. The lower payment is justified by their finding that the loss would not have been nearly as severe if Jenny had allowed her staff to use the available fire extinguishers and had made the emergency call more quickly.
Policy wording with regard to the duty to protect property typically notifies the policyholder that he or she is expected to take any and all available measures to save or preserve property in the midst of a loss. This does leave room for interpretation, but the obligation does fall comfortably in between the extremes of using heroic measures and failing to make any effort to protect property. A failure to meet the obligation can result in either a partial or, in extreme instances, a total denial of coverage for a given loss.
Here’s another example. The Laggleson family goes outside to check for any damage to their home after a violent windstorm. Besides a lot of scattered debris and an overturned patio set, they notice that a large limb from their Chinese Elm was blown onto their roof, creating a large gash. Several hours later a rainstorm comes through the area and the rain that pours through the hole damages expensive furniture stored in the attic as well as damages creates drywall damage to a bedroom ceiling and walls.
Scenario One – the initial damage occurred early on a Thursday morning with the storm occurring in the afternoon. The Lagglesons decided to go on to work and school and to handle things after returning home.
Scenario Two – the initial damage occurred on a Sunday morning, around 3 a.m. with the storm occurring around 6 a.m. The Lagglesons made several frantic calls but could not find anyone willing to come out to their home to deal with the open roof until Monday morning.
In both scenarios a failure to preserve the property after the initial loss created additional damage. However, it is only in the first scenario that the policyholder may suffer a consequence. In such cases, the loss circumstances have a significant bearing on how the insurer may respond and the policyholder’s actions are critical. A reasonable effort under the circumstances may mean all the difference.
If you need more help in understanding your responsibility after a loss, be sure to discuss your concern with an insurance professional.
COPYRIGHT: Insurance Publishing Plus, Inc. 2010
Friday, September 24, 2010
Fan Crush - Tague Insurance Fan of the Week Drawing #9
Tague loves rewarding our Facebook Fans with our weekly Fan of the Week drawing. Congratulations to this week's winner. Please visit our Facebook Fan page and click the "Like" button. Being a Fan of Tague Insurance's Fan page does not allow people to access your private information. People only see what you post or make public. So you can become of Fan of Tague Insurance with comfort and confidence. Start enjoying the fun we have and maybe we will have a chance to quote your personal and business insurance. We have been saving our clients tons of money for years. In fact, Tague Insurance has been saving people money for exactly 40 years! Call us today to start saving on your auto, home, or business insurance.
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