Home Owners Tornado Preparation TIPS | Chesterfield Virginia

Follow these steps to protect you and your family.
Tornado Preparation TIPS | The Insurance Advisor (804) 638-9024

Even if you live outside “Tornado Alley,” the area of the country that runs north from Texas through eastern Nebraska and northeast to Indiana, you are still vulnerable to tornadoes. Kansas, Oklahoma and Texas may see more of these unpredictable and dangerous storms than other states, but the rest of the country also gets its share of twisters.

When a tornado threatens

While no home can ever be made “tornado-proof,” homeowners prepare for tornadoes ahead of time can improve the odds of their home surviving high winds by taking these precautions. Take these additional steps to protect yourself and your family:

  • Have a designated shelter (a local community shelter, perhaps, or your own underground storm cellar or in-residence “safe” room). When a tornado approaches, go there immediately. If your home has no storm cellar or in-residence “safe” room and you have no time to get to a community shelter, head to the center most part of your basement or home — away from windows and preferably under something sturdy like a workbench or staircase. The more walls between you and the outside, the better.
  • Become familiar with your community’s severe weather warning system and make certain every adult and teenager in your family knows what to do when a tornado watch or warning sounds. Learn about your workplace’s disaster safety plans and similar measures at your children’s schools or day care centers.
  • Create a family plan in case you are able to move to a community shelter and identify escape routes from your home and neighborhood and designate an emergency meeting place for your family to reunite if you become separated. Also establish a contact point to communicate with concerned relatives.
  • Put together an emergency kit that includes a three-day supply of drinking water and food you don’t have to refrigerate or cook; first aid supplies; a portable NOAA weather radio; a wrench and other basic tools; a flashlight; work gloves; emergency cooking equipment; portable lanterns; fresh batteries for each piece of equipment; clothing; blankets; baby items; prescription medications; extra car and house keys; extra eyeglasses; credit cards and cash; important documents, including insurance policies.
  • Move anything in your yard that can become flying debris inside your house or garage before a storm strikes. Do this only if authorities have announced a tornado watch, however. If authorities have announced a tornado warning, leave it all alone.
  • Don’t open your windows. You won’t save the house, as once thought, and you may actually make things worse by giving wind and rain a chance to get inside.

Finally, review your homeowners insurance policy periodically with your The Insurance Advisor® of Chesterfield agent to make sure you have sufficient coverage to rebuild your life and home after a tornado. Report any property damage to your insurance agent or company representative immediately after a natural disaster and make temporary repairs to prevent further damage.

For information about filing an insurance claim after a natural disaster, contact The Insurance Advisor® of Chesterfield.

Source: Institute for Business and Home Safety. IBHS is a national nonprofit initiative of the insurance industry to reduce deaths, injuries, property damage, economic losses and human suffering caused by natural disasters.

Here in the USA, tornadoes have occurred in every month, so any time is a good time to review tornado safety procedures – for home, for school, for work, in the car, and while out and about. And if you are considering a storm shelter, take a look at Tornado Project Online to learn more about shelters.

graph that shows monthly distribution of killer tornadoes from 1950 to 2011

Each year about a thousand tornadoes touch down in the US. Only a small percentage actually strike occupied buildings, but every year a number of people are killed or injured. The chances that a tornado will strike a building that you are in are very small, however, and you can greatly reduce the chance of injury by doing a few simple things.

One of the most important things Homeowners Prepare for Tornadoes do to prevent being injured in a tornado is to be ALERT to the onset of severe weather. Most deaths and injuries happen to people who are unaware and uninformed. Young children or the mentally challenged may not recognize a dangerous situation. The ill, elderly, or invalid may not be able to reach shelter in time. Those who ignore the weather because of indifference or overconfidence may not perceive the danger. Stay aware, and you will stay alive!

If you don’t regularly watch or listen to the weather report, but strange clouds start moving in and the weather begins to look stormy, turn to your local radio/television station or visit www.weather.com to get the weather forecast.

If a tornado “watch” is issued for your area, it means that a tornado is “possible.”

If a tornado “warning” is issued, it means that a tornado has actually been spotted, or is strongly indicated on radar, and it is time to go to a safe shelter immediately.

Be alert to what is happening outside as well. Here are some of the things that people describe when they tell about a tornado experience:

  1. A green-greenish black color to the sky.
  2. If there is a watch or warning posted, then the fall of hail should be considered as a real danger sign.
  3. A strange quiet that occurs within or shortly after the thunderstorm.
  4. Clouds moving by very fast, especially in a rotating pattern or converging toward one area of the sky.
  5. The sound of a tornado has been compared to the sounds of railroad trains.
  6. An obvious “funnel-shaped” cloud that is rotating, or debris such as branches or leaves being pulled upwards.

If you see a tornado and it is not moving to the right or to the left relative to trees or power poles in the distance, it may be moving towards you! Remember that although tornadoes usually move from southwest to northeast, they also move towards the east, the southeast, the north, and even northwest.

Encourage your family members to plan for their own safety in many different locations. It is important to make decisions about the safest places well BEFORE you ever have to go to them.

Is it likely that a tornado will strike your home or school? No. But being ready for the possibility will keep you safer!

Deaths and injuries from tornadoes have dropped dramatically in the past 50 years. Casualties numbers are holding steady as scientists learn more about tornadoes and develop the technologies that detect them sooner. Forecasters must continue to improve techniques because the population is increasing. The National Weather Service, Storm Prediction Center, and television and radio weather people have taken full advantage of the advancements in tornado prediction to improve warnings.

In addition, many people generously donate their time and expertise to help protect their neighbors and communities in another way — by tornado and severe storm “spotting.” “Spotters” combine an interest in the weather, a willingness to serve and often, ham radio experience to make tornado prone areas safer for all. Spotting can provide a focus to a person’s interest in the weather, and ham radio helps you meet other like-minded people. It is not often that something that starts out as a hobby can potentially do so much good. If you are interested in Skywarn training and becoming a spotter, check out the National Skywarn page.

Awarded “Best of Richmond Insurance Company 2015”

The Insurance Advisor is Awarded "Best of Richmond" for the Insurance Category. The Insurance Advisor, LLC is the “Best of Richmond Insurance Company 2015” award recipient for the Richmond Insurance Company category.  This makes the third year in a row (2013, 2014, & 2015) of winning this Richmond Insurance Company award, thanks to our clients, carriers, service providers, Smart Choice, and associates!!

The Richmond Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.

Each year, the Richmond Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the area a great place to live, work and play.

Why Choose The Insurance Advisor?

For our clients’ convenience, our Agents are available in and out of the office and during non office hours.  Yes,  we give our clients our cell phone numbers. We also answer our office phone–no multi-layered prompts.  We are dedicated to providing the most exceptional and timely customer service in the industry.

And, we have been awarded “Best of Richmond Insurance Company” for two consecutive years!  The Insurance Advisor provides insurance products and services for all areas of Virginia, including  Henrico, Midlothian, Manchester, Chesterfield, Chester, North Chesterfield, Colonial Heights, Prince George, Dinwiddie, Hopewell, Sussex, Richmond Virginia and surround areas.

A few Companies we represent include:  AIC,  Allied,  Anthem,  Arrowhead,  Augusta Mutual,  Blue Cross Blue Shield,  BTIS, CNA,  Dairyland,  Donegal,  Encompass,  Foremost,  Grange,  Hagerty,  Humana;  Kemper,  Main Street,  Lincoln Financial,  Mercury,  MetLife Auto & Home,  Mutual of Omaha,  Safeco,  Starr Dovetail,  The Hartford, The Tower Group,  Titan,  Travelers,  Zurich, and many more.

Assess Risks    Shop Companies    Save Money
“We Do The Shopping For You”

 

The Insurance Advisor Represents many Top-Rated Insurance Companies (804) 638-9024

 

Insurance For Your Business

Our Business offerings include insurance products and risk management services–we are your full service insurance solution–from commercial property and casualty to employee benefits–we have you covered.  There is no need to have multiple agencies to provide the coverages and services for your business.

 

Insurance For Your Personal Life

Our Personal Insurance and Financial Services offerings also include insurance products and risk management services–we are your full service insurance solution–from auto, home, boat, RV, motorcycle, and power sports to health, life, and fixed annuities–we have you covered.  There is no need to have multiple agencies to provide the insurance coverages and financial services for your personal needs.

 

The Best Value and Customer Service

We combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the insurance and financial services you need.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Insurance you need.

Veterans: The Insurance Advisor® of Chesterfield Thanks You

AmericanFlagFlying_file8551271716475_MorgueThe Insurance Advisor® of Chesterfield Thanks all the Veterans for their Service to Our Country

Today  is a very special day.  A day to be thankful for the brave men and women who have and continue to sacrifice their lives for our freedom, safety, and way of life.

A day to spend some time in memory of those who gave their lives; to those who are injured; to remember their family and friends; to be thankful for those who continue to serve.

We owe our freedom and our lives to our Veterans.  Thank You All.

~ The Insurance Advisor® of Chesterfield

Home Insurance Claim Process | Chesterfield MO

What Happens When Your Home Is Damaged by a Storm, Fire, or Water?Chesterfield Virginia Home Insurance Claims Process by The Insurance Advisor® of Chesterfield (804) 638-9024

(1) Call Us. The home insurance claim process does not have to be difficult.  Your local The Insurance Advisor® of Chesterfield Agents are always available to help you. Please call our Chesterfield Virginia office, and we’ll guide you through every step to make your experience go as smooth as possible.  (804) 638-9024.  We help our clients with the claims process, regardless of how small or large the damage may be.

(2) Safety First!  Make sure you family is safe and your property is protected from further damage by following some simple steps:

  • Most Chesterfield Virginia Home Insurance Policies require the insured to do what is reasonable to prevent further damage to the property.  You or your contractor should patch walls or roofs by covering them with tarps, or cover shattered windows with plywood or heavy plastic.  Please be careful and have a licensed contractor perform any dangerous task, such as repairs to the roof.
  • Keep receipts and invoices associated with any emergency repairs to give to your claim representative. In the event your home is unlivable, save any receipts associates with costs for motel rooms, meals, etc. These may be reimbursable items as well.
  • Take inventory in each room of the house and provide a written assessment of all damaged/missing property, including descriptions, cost of items, and when items were purchased. Serial numbers or other identifiable marking are helpful as well.
  • For water damage, you may contact a company that specializes in water extraction and water damage mitigation.  Your The Insurance Advisor®  of Chesterfield agents will have a list of companies available in your area.

(3) Property Inspection.  Once you’ve reported your claim, the insurance carrier will have a claims specialist contact you (generally within 24 hours) to establish a date for inspecting the damages. The claims adjuster will come to your property and assess the damage, take photos, help you organize temporary repairs, or emergency services.

(4) Pay Your Deductible.  The insurance carrier will give you a complete damage estimate after a loss. This estimate will show the total dollar amount of your covered loss, less your deductible and depreciation (if applicable), and the net amount that will be paid toward the loss.

(5) Find a Contractor.  Most insurance carriers have a network of contracts to provide construction repairs following a property loss. Your claim service associate would be able to assist you to scheduling an inspection of your property and arrange for repairs. Using network contracts has its advantages as the insurance companies have pre-negotiated standards for the contracts to abide by such as:

  • Warranties on materials and labor provided
  • Contractors who have proper credentials and industry experience
  • Financially stable firms
  • Proper licensing
  • Worker’s compensation insurance protection for the contractors and workers
  • Strict performance standards that are monitored and measured

(6) Settlement Check.  In the event of a covered loss, most carriers will first pay you the Actual Cash Value (ACV) (actual cost less depreciation) for the damage to your property. When you replace the item or complete the specified repairs, the insurance carrier will pay you the difference between the replacement cost and the actual cash value amount previously paid. The total amount you will be reimbursed is subject to the terms and conditions of your particular policy, including deductible and limits. This may vary from company to company. You will receive a settlement check from your insurance provider, as soon as they have confirmed coverage and completed an investigation and comprehensive damage estimate. Every effort is made to issue payment on the claim as quickly as possible. If necessary, you may receive other authorized supplemental checks once proper re-inspections are performed or when your claim adjuster prepares a supplemental estimate. Your insurance carrier may be required by state laws and policy language to include any mortgagees/ lien holders on your settlement check(s).  If a mortgagee/lien holder’s name appears on your settlement check(s), the mortgagee/lien holder must sign off on the check before it can be cashed. You should contact your mortgagee/lien holder directly to determine the process for co-signing/cashing settlement checks.

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Why Choose The Insurance Advisor® of Chesterfield?

The Insurance Advisor® of Chesterfield opened in 2002.  With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boat, motorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

The Insurance Advisor® of Chesterfield represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

For Your Business

Our Business offerings include insurance products and risk management services–we are your full service insurance solution–from commercial property and casualty to employee benefits–we have you covered.  There is no need to have multiple agencies to provide the coverages and services for your business.

For Your Personal Life

Our Personal Insurance and Financial Services offerings also include insurance products and risk management services–we are your full service insurance solution–from auto, home, boat, RV, motorcycle, and power sports to health, life, and fixed annuities–we have you covered.  There is no need to have multiple agencies to provide the insurance coverages and financial services for your personal needs.

The Best Value and Customer Service 

We combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the insurance and services you need.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Chesterfield Virginia Home Insurance you need.

The Best Virginia Home Insurance for You

Home Insurance by The Insurance Advisor (804) 638-9024We find the Best Virginia Home Insurance for You.

There are many ways to purchase the Best Virginia Home Insurance.   You can call an 800 number and buy it over the phone directly from a Virginia Home Insurance company. You can buy it over the Internet. You can call an insurance agent. You may be able to buy it at your bank or credit union.  The choices are many and challenge to purchase the Best Virginia Home Insurance to meet your needs is not that easy.

In the midst of all the insurance commercials and advertisements, it may seem that Home insurance is just a commodity–a product that is the same at every company.  It’s not.  Home Insurance policies in Virginia can be  very different and have very different cost.   You’re not buying a commodity;  You’re protecting your financial well being…and the choices you make
could affect you for the rest of your life.  
To learn about more Virginia Home Insurance, please visit our Virginia Home Insurance Information page.

With hundreds of Virginia Home insurance companies and the many different policies, the best Home insurance purchase decision is often made with the help of a professional insurance agent.  Our insurance agents are ready to help!

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The Insurance Advisor® of Chesterfield opened in 2002 as a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  One of our Insurance Agents can help you get the best value for the insurance you need.

With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boatmotorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Chesterfield, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

The Insurance Advisor® of Chesterfield represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best Virginia home insurance value for you.

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 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, we have include links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents for any assistance.

 

Hurricane Preparation Safety Tips

Hurricane Preparation TIPS -- The Insurance Advisor (804) 638-9024

Hurricane season is not far off, thus a good time to provide an article on Hurricane Preparation and Safety Tips.   The following information is intended to help to reduce the severity of property damage and bodily injury during and after a major storm.  Please share.

The National Huricane Center has some of the best information on how to prepare and recover after a major storm. They provide important storm safety information during the Hurricane Preparedness Week usually at the end of May each year.  The following information is a re-post of their Hurricane Preparedness “Be Ready” page.   Please share.   

 

 

Hurricane Preparedness – Be Ready

Hurricane Preparation TIPS -- The Insurance Advisor (804) 638-9024

Please be Prepared for Hurricane Season.

Preparedness Week | Hazards | Watches & Warnings | Be Ready | Marine Safety


Two keys to weather safety are to prepare for the risks and to act on those preparations when alerted by emergency officials. These are essential pieces to the Weather-Ready Nation.

Refer to the Federal Emergency Management Agency’s (FEMA) Ready.gov/hurricanes for comprehensive information on hurricane preparedness at home and in your community.

Some highlights on how to prepare and take action are available below:

Gather Information

Know if you live in an evacuation area. Assess your risks and know your home’s vulnerability to storm surgeflooding and wind. Understand National Weather Service forecast products and especially the meaning of NWS watches and warnings.

Contact your local National Weather Service office and local government/emergency management office. Find out what type of emergencies could occur and how you should respond.

Contacts

Keep a list of contact information for reference.

Hurricane Preparedness Checklist posted by The Insurance Advisor (804) 638-9024

  • Local Emergency Management Office
  • County Law Enforcement
  • County Public Safety Fire/Rescue
  • State, County and City/Town Government
  • Local Hospitals
  • Local Utilities
  • Local American Red Cross
  • Local TV Stations
  • Local Radio Stations
  • Your Property Insurance Agent

Risk Analysis

Online hazard and vulnerability assessment tools are available to gather information about your risks.

 

 Example Disaster Supply Kit post by The Insurance Advisor (804) 638-9024

Plan & Take Action

Everyone needs to be prepared for the unexpected. Your friends and family may not be together when disaster strikes. How will you find each other? Will you know if your children or parents are safe? You may have to evacuate or be confined to your home. What will you do if water, gas, electricity or phone services are shut off?

Protect Your Home

The Insurance Information Institute provides a video named Making Your Home More Hurricane Resistant: Five Steps.

Supplies Kit

Put together a basic disaster supplies kit (http://www.ready.gov/basic-disaster-supplies-kit) and consider storage locations for different situations.  Help community members do the same.

A basic emergency supply kit could include the following recommended items:

  • Water, one gallon of water per person per day for at least three days, for drinking and sanitation
  • Food, at least a three-day supply of non-perishable food
  • Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert and extra batteries for both
  • Flashlight and extra batteries
  • First aid kit
  • Whistle to signal for help
  • Dust mask to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place
  • Moist towelettes, garbage bags and plastic ties for personal sanitation
  • Wrench or pliers to turn off utilities
  • Manual can opener for food
  • Local maps
  • Cell phone with chargers, inverter or solar charger

Once you have gathered the supplies for a basic emergency kit, you may want to consider adding the following items:

  • Prescription medications and glasses
  • Infant formula and diapers
  • Pet food and extra water for your pet
  • Cash or traveler’s checks and change
  • Important family documents such as copies of insurance policies, identification and bank account records in a waterproof, portable container. You can use the Emergency Financial First Aid Kit – EFFAK (PDF – 977Kb) developed by Operation Hope, FEMA and Citizen Corps to help you organize your information.
  • Emergency reference material such as a first aid book or free information from this web site. (See Publications)
  • Sleeping bag or warm blanket for each person. Consider additional bedding if you live in a cold-weather climate.
  • Complete change of clothing including a long sleeved shirt, long pants and sturdy shoes. Consider additional clothing if you live in a cold-weather climate.
  • Household chlorine bleach and medicine dropper – When diluted, nine parts water to one part bleach, bleach can be used as a disinfectant. Or in an emergency, you can use it to treat water by using 16 drops of regular household liquid bleach per gallon of water. Do not use scented, color safe or bleaches with added cleaners.
  • Fire extinguisher
  • Matches in a waterproof container
  • Feminine supplies and personal hygiene items
  • Mess kits, paper cups, plates, paper towels and plastic utensils
  • Paper and pencil
  • Books, games, puzzles or other activities for children

Emergency Plans

Develop and document plans for your specific risks.

Health & Environment

Follow guidelines to guard your community’s health and protect the environment during and after the storm.

Evacuation

Image of Interstate Traffic in an Evacuation post by The Insurance Advisor (804) 638-9024

  • Review the FEMA Evacuation Guidelines to allow for enough time to pack and inform friends and family if you need to leave your home. FOLLOW instructions issued by local officials. Leave immediately if ordered!
  • Consider your protection options to decide whether to stay or evacuate your home if you are not ordered to evacuate.

When waiting out a storm be careful, the danger may not be over yet…

Be alert for:

  • Tornadoes – they are often spawned by hurricanes.
  • The calm “eye” of the storm – it may seem like the storm is over, but after the eye passes, the winds will change direction and quickly return to hurricane force.

Recover

  • Wait until an area is declared safe before returning home.
  • Remember that recovering from a disaster is usually a gradual process.

Resources

 

MISSOURI INSURANCE BLOG | MJM INSURANCE™ OF FENTON

 

Thank you for visiting our Virginia Insurance Blog!trustedchoice-trans1

First, allow us to introduce ourselves….

MJM Insurance of Chesterfield is an established full-service insurance agency.  As an independently owned Chesterfield Virginia insurance operation, our licensed agents have access to several A+ rated insurance carriers such as Safeco, The Hartford, Travelers, EMC, Progressive, MetLife, and dozens more. 

Our professional agents assess the risks and exposures the consumer may be facing.  Our goal is to shop insurance for the consumer – a/k/a “you!”  We shop multiple carriers and find you the best protection at the best price.  We’ll help save time and heartache trying to figure out which specific coverage goes with which type of risk.

The insurance products we offer include automobile, homeowners, business, power sports, life, and other specialty lines.  During the client risk assessment, our agents review coverage and compare how you’re currently protected, and provide recommendations about how you should be protected. The coverage includes liability, property damage, bodily injury, personal property, home and renters coverage, business liability, workers compensation, personal or business investments and much more.

So now you know!

It is our goal to ensure Virginia consumers are well-informed about insurance and protecting themselves and their families. Our agents offer the Virginia Insurance Blog to provide information and educational resources for drivers, homeowners, business owners and everyone in between!  This blog and our site are dedicated to providing Virginia consumers valuable information related to insurance products and risk management solutions. 

So why purchase your Virginia Insurance from us?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance of Chesterfield team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance of Chesterfield have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance of Chesterfield has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

New Team Member–The Official Insurance Advisor

 ***  BREAKING NEWS  ***

We are pleased and excited to announce our newest Team Member who will be our “Official Spokes Person:”

The Insurance Advisor--Assess Risks, Shop Companies, and Save Money. (804) 638-9024

 The Insurance Advisor

The Insurance advisor has many resources and emotions to depict every insurance issue and situation.  He will be providing important insurance information and education to the residents of Virginia.  In addition to his informative post on our website, you may see him occasionally on social media channels such as Facebook, LinkedIn, and Tweeter–although he does enjoy and likes StumbleUpon, Tumblr, and a few others.

The employment interview and selection process was challenging; however, The Insurance Advisor was well prepared and had the qualities we were seeking for our spokes person.  Honest, Fair, Educated, Knowledgeable of all Insurance matters–extreme knowledge of the many top-rated companies that we represent–why he even knew most the company underwriters’ first and last names!!  Needless to say, we are indeed fortunate and thankful that The Insurance Advisor is now representing The Insurance Advisor Insurance Agency!  Here are a few expressions and emotions that blew us away:

The Insurance Advisor

 

Hey.  I found four more discounts that you are eligible to receive.  And with your great driving record and good credit you could be saving another 15%.  It is time to start looking for that motorcycle–now that you have so much savings!

The Insurance Advisor

 

Caution.  Before you renew your business insurance, better let me shop it with top-rated companies to get the coverages you need for the best price.  You should also have a risk analysis done–and you could save more, if you had one of our custom safety programs!

 

The Insurance Advisor

Some things are like a light bulb coming on right in front of you.  Getting quotes from dozens of top-rated insurance companies just makes a lot of sense.  A local agent, shopping my insurance, getting me the coverages that I need for the lowest cost!  How bright!

The Insurance Advisor

 

 

Yikes!  The other insurance company is trying to  claim that my client is at fault.   I will get our legal team on this immediately!

 

 

 

The Insurance Advisor

 

 

 

Ok.  So I did not make it as a comedian.  You can still save a lot of money and get the insurance coverages you need!  Give me a call:

(804)  638-9024

 

 

 

 

 

 

 

The Best Home Insurance

We Find The Best Home Insurance For You

Home Insurance by The Insurance Advisor (804) 638-9024There are several ways to purchase Home Insurance in Virginia.  You can buy it over the Internet at literally hundreds of different web sites. You can call an 800 number and buy it over the phone directly from an Home insurance company. You can call an insurance agent. In some cases, you can buy it at your bank or credit union.  The choices are many and challenge to purchase the Best Home Insurance to meet your needs is difficult.

In the midst of all the insurance commercials and advertisements, it may seem that Home insurance is just a commodity–a product that is the same at every company.  It’s not.  Home Insurance policies in Virginia can be  very different and have very different cost.   You’re not buying a soda;  You’re protecting your financial well being…and the choices you make could affect you for the rest of your life.  To learn about more Virginia Home Insurance, please visit our Virginia Home Insurance Information page.

With hundreds of Home insurance companies and the many different policies, the best Home insurance purchase decision is often made with the help of a professional insurance agent.  Our insurance agents are ready to help!

The Insurance Advisor, LLC  is a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the bestHome Insurance by The Insurance Advisor (804) 638-9024 coverage for the price.  Our clients get the best value for the insurance they need.

A few of the companies we represent include:  Travelers, Safeco, Main Street, Metropolitan, Mercury, Lincoln Financial, Dairyland, Titan, Victoria, Foremost, Arrowhead, Alfa Vision, CNA, Zurich, Kemper, Augusta Mutual, Anthem, Mutual of Omaha, and many more.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best home insurance value for you.

 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, we have include links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please call one of our insurance agents at The Insurance Advisor for any assistance.

 

Virginia Insurance and Financial Services Information and Education

Thank You for Visiting Our Virginia Insurance News & Education Blog

The Insurance Advisor is a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  You get the best value for the insurance you need.  In addition to personal and business insurance, we also represent many Financial Services and Health Insurance companies.

 

Virginia Insurance News, Information & Educational Resources

This blog and our site is dedicated to providing useful Insurance and Financial Services information and resources.   Below  is a summary of our resources:

  • Blog Post are segmented by Categories which are links found on the right sidebar.
  • Relevant Insurance and Financial Services Authority Sites are also links on the right sidebar.
  • Relevant Feeds of Summary Articles from Authority Sites are on the right sidebar.T
  • Authority Links are often found on individual Posts as referenced documentation.
  • Quotes–get a free, no obligation risk assessment and  quote—Call or eMail a request.
  • Client Services–From Claims to Policy Changes–click Client Services tab on the top Nav Bar.

Thank you again for visiting our Blog.  Please let me know if you have any suggestions with a comment.  Enjoy!

 Press Release: The Insurance Advisor is the 2013, 2014, and 2015 Best of Richmond Award recipient for the Insurance Company category.

The Insurance Advisor | Recipient of the Best-of-Richmond-2013-Award-Winner for Insurance Agencies | (804) 638-9024Best of Richmond Insurance Company 2014 award recipient The Insurance Advisor is Awarded "Best of Richmond" for the Insurance Category.

 

 

 

 

 

 

 

The Insurance Advisor, LLC is the “2015 Best of Richmond Award” recipient for the Virginia Insurance Company category. This makes the third year in a row we have received this award (2013, 2014, & 2015)!  Thanks to our clients, carriers, service providers, Smart Choice, and associates!!

The Richmond Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.

Each year, the Richmond Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the area a great place to live, work and play.

 

Why Choose The Insurance Advisor?

For our clients’ convenience, our Agents are available in and out of the office and during non office hours.  Yes,  we give our clients our cell phone numbers. We also answer our office phone–no multi-layered prompts.  We are dedicated to providing the most exceptional and timely customer service in the industry.

A few Virignia Insurance Companies we represent include:  AIC,  Allied,  Anthem,  Arrowhead,  Atlas, ASI, Augusta Mutual,  Blue Cross Blue Shield,  BTIS, CNA,  Dairyland,  Donegal,  Dovetail, Encompass,  Foremost,  Grange,  Hagerty,  Humana;  Kemper,  Main Street,  Lincoln Financial,  Liberty Mutural, Mercury,  MetLife Auto & Home,  Mutual of Omaha, NetComp,  Safeco,  Starr DoveTail, Tapco,  The Hartford,  Titan,  Trans America, Travelers,  and many more.

Access Risks    Shop Companies    Save Money

“We Do The Shopping For You”

Virginia Insurance Compaines Represented by The Insurance Advisor | North Chesterfield VA (804) 638-9024

 

Insurance For Your Business

Our Business offerings include insurance products and risk management services–we are your full service insurance solution–from commercial property and casualty to employee benefits–we have you covered.  There is no need to have multiple agencies to provide the coverages and services for your business.

Insurance For Your Personal Life

Our Personal Insurance and Financial Services offerings also include insurance products and risk management services–we are your full service insurance solution–from auto, home, boat, RV, motorcycle, and power sports to health, life, and fixed annuities–we have you covered.  There is no need to have multiple agencies to provide the insurance coverages and financial services for your personal needs.

The Best Virginia Insurance Value and Customer Service

We combine years of experience and top-rated companies and products to provide exceptional service and value to our clients.  Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the Virginia insurance and financial services you need.

Call, request a quote by email, or visit us at one of our offices today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Virginia Insurance you need.