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Newcastle, Wyoming
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July 23, 2020     News Letter Journal
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July 23, 2020
 
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10 ——July 23, 2020 editor@newslj.com news letter journal Decker’s Market held a Grand Opening Celebration at its new location on Washington Boulevard in Newcastle Friday and Saturday. Among the festivi- ties were free coffee and baked goods, and two drawings. The winners of the Grand Opening drawing were: Green Mountain Daniel Boone Grill, Kirk Will; Red Collectible Truck Cooler, Dick Wellman; Apple iPad, Grace Sandrini; Giant Plush Tiger, Sherry Talbot; Black Hills Gold Silver Jewelry, Joanna Akers; Jumbo Coca Cola Bear (donat- ed by Coke), Dee Chapman; and Portable BBQ Grill (also donated by Coke), Melinda Stolhammer. At left, in this photo taken by Tony Sandoval, Danny Decker and son Jeremiah officially cut the ribbon as Becky Decker watches. Below right, Brenda Clark and Kelsey Bennett help customers fill out drawing entries and hand out gifts and treats. Below left, Army veterans Rick Dunford, Homer Hastings, Tom Crum, and Harvey Dummer enjoy free coffee and conversation. Photos by Walter Sprague/NLJ opening! Tips for Summer Thunderstorms ment Agency (FEMA) administers the National Flood Insurance Program (NFIP), a program available to any property owner whether or not the property is in a floodplain. If you do not have an agent who sells flood insurance, contact the NFIP at 888—379—9531 ‘or go to www.floodsmart.gov for more information or to get an agent in this area. - Create a Home Inventory — Before any disaster strikes, create a home inventory. An inventory can be invaluable when deciding how much insurance cov- erage fits your life situation and making sure you are adequately protected. Unfortunately, during summer thunder- storms, people may sufi'er storm-related damage to their homes and cars. The Morning Depart- ment of Insurance ofi'ers these tips to help people with their insurance claims. ’ ' Dealing with storm damage and insurance: - Start the claim process Contact your insur— ance company or agent and begin the claim process. Contact the DOI if you need contact information. - Document mitigate the damage — If the damage to your home is extensive, take photos and document what was lost. If the damage is repairable, mitigate further damage by placing tarps on roofs or boarding up windows. - Ask questions — Work with your insurance com- pany on how the claim process will work. In these times of social distancing, companies are not always sending adjusters, 'and instead are using technologies like video or drone to assess damage. Once that is done, an adjuster will provide documentation to your insurance company to determine your claims settle— ment. Be sure to ask for an itemized explanation of the claim settlement offer. If there is a disagreement, ask for the specific language in the policy that is in question. If this disagreement results in a claim denial, make sure you obtain a written letter explaining the reason for the denial and the specific policy language under which the claim is being denied. ’ Estimates for repair costs can change — Re— member, the first estimate for repairs is not always the final estimate. Contractors or body repair shops may find additional damage once repairs begin. It is im— portant 'to provide additional information about this Do your homework: Be Aware of Claim Filing Deadlines— Increas— ingly, policy language requires consumers to file and/ or fix their claim within a certain time frame or the entire claim is denied. Verify Adjusters — Adjusters may contact you if you have suffered damage to your home. All individ— uals acting as an insurance adjuster must be licensed with the DOI. An adjuster is an individual who for com— pensation as an independent contractor or a salaried employee of an insurer, investigates and negotiates settlement of claims arising under insurance contracts on behalf of an insurance company. Adjuster firms are not licensed in Wyoming. Licensing information is public information and can be searched at: httpszzz sitesggoglecom1a1wyo.govidoildatabase—search or by contacting the DOI. - Protect Yourself from Roofing Fraud — After a hall or Windstorm, roofing contractors and other construction contractors start door—to—door sales or phone solicitations. While most contractors are hon— est and reputable, some make false promises. Some damage to your insurer before repair work continues. Improvements or repair work for damage that was not part of the storm will not be covered. - Contact the DOI — While claims need to be filed with the insurance companies, the DOI can assist con— sumers with questions about insurance and the claims process. Call the DOI at 307—777—7401 or at 1—800— 438-5768 or complete a contact form at: http://doi. wyo.gov/contact—us Be prepared for severe summer weather: - Review your Homeowners and Auto Insurance Wyoming Department of Insurance http:lldoi.wyo.gov 0 1 (800) 438-5768 Policies — Know what is in your policies. Ask questions if there is anything you do not understand. Storm or flood damage for your autos is only covered if you have comprehensive coverage on the vehicle. An— nually review your policies and coverage limits to make sure they keep pace with your needs, construc— tion costs in your area, and the age and use of your vehicle. \ Consider Buying Flood Insurance — Flood ini. surance requires a 30—day waiting period before it be— comes effective. Flood insurance must be purchased as a separate policy. The Federal Emergency Manage— insist on full payment before the work is complete and may even create damage where none occurred. Find more information at the Better Business Bureau's site You’ye Been Hit with Hail, What’s Next? - Hiring a Contractor — Be sure to read the con— tract carefully. Some contractors include an assign— ment of benefits which may hold you responsible for any repairs that are not covered by the insurance company. Storm damage repair contractors should ‘-\ provide their business name and proof of their license \and liability coverage. Storm damage contractors can— not claim to be adjusters. \\ \1 ’w This public\.:Service announcement is presented and paid for by the insurance companies licensed to do business in Wyoming in cooperation with the Wyoming Insurance Department. For more information on the state’s insurance companies, including financial information, visit the Insurance Department website’s “Company Financial Information” section.