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Midwest Professional Insurance

4037 Central St
Kansas City, MO 64111

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Featured Insurance Blog

When is a Claim Worth Making on My Condo Insurance Policy?

Wondering if you should pick up the phone and call Midwest Professional Insurance to file a claim on your condo in Fairway, KS? Here’s how you can tell whether it’s worth it to make a claim:

  • Do the losses exceed the deductible? That is, do the losses exceed the deductible to the point that it’s worth the bump in your rates? If you’ve lost several thousand dollars in belongings, then certainly, there’s no reason not to make a claim. But if you didn’t lose anything besides a hundred-dollar microwave, it might not be worth it.
  • Have you made a claim recently? Home and condo insurance providers generally don’t expect to see any individual policyholder making a claim more than once every fifteen to twenty years or so. Making too many claims can leave a mark on your record that follows you from insurer to insurer. Making several in just a few years can even have your provider dropping your coverage.
  • Can you replace the items out of pocket? If you can comfortably cover the damages out of pocket, that might be the best way to go.

Insurance is essentially there to help us when a problem is too big to handle it ourselves. You don’t want to find yourself uncovered after a fire because you made five claims in one year over minor issues.

If you have any questions or you’re looking to get covered in Fairway, KS, get in touch with Midwest Professional Insurance and see what we can do for you. We’re here to provide condo owners with good policies at a great price.

Read More

Wondering if you should pick up the phone and call Midwest Professional Insurance to file a claim on your condo in Fairway, KS? Here’s how you can tell whether it’s worth it to make a claim:

  • Do the losses exceed the deductible? That is, do the losses exceed the deductible to the point that it’s worth the bump in your rates? If you’ve lost several thousand dollars in belongings, then certainly, there’s no reason not to make a claim. But if you didn’t lose anything besides a hundred-dollar microwave, it might not be worth it.
  • Have you made a claim recently? Home and condo insurance providers generally don’t expect to see any individual policyholder making a claim more than once every fifteen to twenty years or so. Making too many claims can leave a mark on your record that follows you from insurer to insurer. Making several in just a few years can even have your provider dropping your coverage.
  • Can you replace the items out of pocket? If you can comfortably cover the damages out of pocket, that might be the best way to go.

Insurance is essentially there to help us when a problem is too big to handle it ourselves. You don’t want to find yourself uncovered after a fire because you made five claims in one year over minor issues.

If you have any questions or you’re looking to get covered in Fairway, KS, get in touch with Midwest Professional Insurance and see what we can do for you. We’re here to provide condo owners with good policies at a great price.

Winter Storm Safety

Severe winter weather is wreaking havoc in many areas — accompanied by record-low temperatures, snow, and ice. These conditions have resulted in serious safety implications for many people.

Namely, this weather—combined with natural gas shortages, frozen wind turbines, and individuals using more energy than usual to keep their homes warm—has caused the power grid to fail, leaving millions of individuals without heat or electricity in the midst of dangerously low temperatures. These outages are likely to last for several more days, potentially keeping some people without power for much of the week.

What’s worse, hazardous road conditions due to snow and ice buildup have forced many individuals to remain in their homes, despite the lack of heat or electricity. As such, it’s important for people affected by these storms to practice the following precautions to stay safe and warm at home:

  1. Be cautious with generators. These devices create deadly fumes and contribute to carbon monoxide poisoning if used incorrectly. Generators—which must only be used outside—should be kept dry and remain at least 20 feet away from windows, doors, and vents. From there, you can plug appliances into a generator with heavy-duty outdoor extension cords.

  2. Maintain household heat. Conserve the heat in your home by keeping all doors and windows closed. In addition, close any drapes or blinds, and use spare towels to fill door gaps and keep cold air from traveling inside.

  3. Use adequate light sources. Light your home with battery-powered flashlights or lanterns. Use candles as a last resort, but never leave them unattended.

  4. Keep the water flowing. To prevent your home’s pipes from freezing or breaking, turn your water faucets on just enough to allow for a continuous drip. Keep the cabinet doors under sinks open to ensure any warm air in the room reaches the pipes. If pipe problems do occur, use any bottled water or safe liquids you have for hydration. If no other water is available, the melted snow can be used as an emergency water source.

  5. Ensure food safety. Keep your fridge and freezer doors closed as much as possible to help preserve perishable foods. Never consume food that shows signs of spoilage (e.g., an off smell, color, or texture).

  6. Know the signs. Seek immediate medical care if you or another household member displays signs of frostbite or hypothermia (e.g., shivering, confusion, numbness, pain when rewarming the skin or a whitish-yellow tint to the skin).

  7. Stay inside. Remain indoors and off the roads as much as possible. If you must go outside, do so in short increments and dress in warm layers. If you must drive, take your cellphone with you and pack an emergency kit.

Lastly, stranded motorists and any other individuals in dire need of warmth are encouraged to go to warming shelters in your area.

Read More

Severe winter weather is wreaking havoc in many areas — accompanied by record-low temperatures, snow, and ice. These conditions have resulted in serious safety implications for many people.

Namely, this weather—combined with natural gas shortages, frozen wind turbines, and individuals using more energy than usual to keep their homes warm—has caused the power grid to fail, leaving millions of individuals without heat or electricity in the midst of dangerously low temperatures. These outages are likely to last for several more days, potentially keeping some people without power for much of the week.

What’s worse, hazardous road conditions due to snow and ice buildup have forced many individuals to remain in their homes, despite the lack of heat or electricity. As such, it’s important for people affected by these storms to practice the following precautions to stay safe and warm at home:

  1. Be cautious with generators. These devices create deadly fumes and contribute to carbon monoxide poisoning if used incorrectly. Generators—which must only be used outside—should be kept dry and remain at least 20 feet away from windows, doors, and vents. From there, you can plug appliances into a generator with heavy-duty outdoor extension cords.

  2. Maintain household heat. Conserve the heat in your home by keeping all doors and windows closed. In addition, close any drapes or blinds, and use spare towels to fill door gaps and keep cold air from traveling inside.

  3. Use adequate light sources. Light your home with battery-powered flashlights or lanterns. Use candles as a last resort, but never leave them unattended.

  4. Keep the water flowing. To prevent your home’s pipes from freezing or breaking, turn your water faucets on just enough to allow for a continuous drip. Keep the cabinet doors under sinks open to ensure any warm air in the room reaches the pipes. If pipe problems do occur, use any bottled water or safe liquids you have for hydration. If no other water is available, the melted snow can be used as an emergency water source.

  5. Ensure food safety. Keep your fridge and freezer doors closed as much as possible to help preserve perishable foods. Never consume food that shows signs of spoilage (e.g., an off smell, color, or texture).

  6. Know the signs. Seek immediate medical care if you or another household member displays signs of frostbite or hypothermia (e.g., shivering, confusion, numbness, pain when rewarming the skin or a whitish-yellow tint to the skin).

  7. Stay inside. Remain indoors and off the roads as much as possible. If you must go outside, do so in short increments and dress in warm layers. If you must drive, take your cellphone with you and pack an emergency kit.

Lastly, stranded motorists and any other individuals in dire need of warmth are encouraged to go to warming shelters in your area.

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