Neighbor Construction and Damage to Your Home

People in Lees Summit, MO generally get along fine with their neighbors until one does something that affects the living condition or enjoyment of the other. If not resolved correctly and quickly, these incidents can boil up into outright Hatfield vs. McCoy altercations in some case. Fortunately, unlike the old days, property damage issues can be resolved in a civil manner through a number of avenues. However, what many wonder is whether their homeowner’s insurance will get involved when there is damage to their own home.

The cause of the damage, the property line location and type of coverage purchased often dictates how involved the policy provider will be in the matter, according to Epic Insurance. Generally, damaged caused by an outside man-made force or action tends to be addressed. So whether a construction truck backed into a fence or home wall, or whether a crane dropped material on someone’s roof and damaged the tiles, the damage would likely be addressed. Then the insurance provider would file a claim against the neighbor and contractor to recover the expense. However, where the construction simply interferes with one’s enjoyment of his own property, such as an addition blocking out sunlight to one’s backyard, these issues are not structural and don’t really affect a home’s physical function. So they would not be covered. The homeowner would need to seek a civil action in court on his own to pursue recovery, usually through a nuisance lawsuit.

For those in the Lees Summit, MO area who need a second opinion on what a neighbor’s new construction project might mean to their policy, folks can give Epic Insurance a call for expert advice. Their agents have seen and worked with all kind of situations and can easily answer most technical questions adequately.

Get In On The Ground Floor: Home Insurance Concerns For Your Kitchen, Diningroom and Living Areas of Your Home

Do We Need to Know It All?

It is not our contention that every homeowner needs to know every aspect of their home insurance policy. However, it is a great idea to gain some knowledge as you look around your home to look at things in the perspective of what it means to protect it.

  • Kitchen – with the amount of electricity used in this one room, you want to ensure that all lines are properly maintained. Hear the water running? Homeowners should understand that maintaining water pipes is a responsibility as well. Insurance is impacted by flooding, fires and another calamity that originates in this room.
  • Living Room, Dining Room  – the place where we do most of our entertaining. Make certain the flooring is secure and properly maintained to ensure your guests don’t take a spill.  All aspects of these rooms must be maintained such as electricity and windows so that the threat of accidents are minimized or eradicated.

It is an epic affair when you decide to make Epic Insurance your insurance agent. Serving the Lees Summit MO area and the surrounding areas we act as a true agent of your insurance concerns and needs. In this way, you get the savings of the huge companies coupled with the personal attention of a personal agent who is aware of your individual situation and the needs that will answer your unique set of circumstances.

If you can make it into our offices in Lees Summit, MO or need to contact Epic Insurance via the website you will feel like you got in on the ground floor in so far as taking great care of the insurance for your home.

3 Reasons to Purchase Home Insurance Today

Are you considering purchasing a home insurance policy in Lees Summit, MO? If not, maybe you should be! That said, the following is an overview of three reasons to purchase a home insurance policy at Epic Insurance today.

Natural Disaster Protection

One of the top reasons to purchase a home insurance policy is to protect against natural disasters. An area well known for tornadoes, severe thunderstorms, flooding and more, purchasing a home insurance policy in Lees Summit, MO is vital to all homeowners.

Lawsuit Protection

Next, another top reason to purchase a home insurance policy to protect your estate against costly lawsuits. If you do not have the proper coverage in place, individuals and companies may come after you for financial compensation that could result in owing up to multi-millions of dollars. By purchasing your policy, you will ensure you have coverage in place in case an unfortunate situation unfolds on your property.

Protect Equity

Lastly, purchasing a high-quality home insurance policy ensures that the equity of your home is protected. In short, the value of your home is subject to a number of variables including market value. By purchasing a home insurance policy, you are ensuring that your home maintains its value even as other places in the area begin to deteriorate.

Overall, if you are seeking a high-quality home insurance policy in Lees Summit, MO, Epic Insurance is an excellent resource. Simply call, stop in, or email us today and find out how you can begin your home insurance policy immediately and hopefully save some money in the process. Your home and family have waited for protection long enough. Call us today!

Fall Safety Checklist for Your Home

Fall is here ad it is the perfect time of year to get your home ready for the cooler months ahead.  This can be one of the busiest times of year for homeowners who want to take advantage of moderate weather to take care of any damage or issues with their homes before that first frost comes in. 

Let’s talk about exterior maintenance. 

Check the foundation of your home for any visible cracks and make sure to caulk all of the areas where siding meets masonry.  You should also do this where ever wires or pipes enter the building as well as around the door frames and windows in order to keep heat from leaking out.  This is one of the less expensive maintenance chores that most people can handle themselves.  If there are any sorts of openings in the building, water can actually get inside and even freeze.  This leads to more cracks and can even lead to the buildup of mold.  Carefully checking the outside of your home and completing this inexpensive maintenance can end up saving you thousands of dollars in the end.

Install storm doors and windows and remove the screens.  Before you store those screens, clean and repair them and them spray them down with a protective coating.  Then just place them in a dry part of your garage or basement.

Inspect the walls outside of your home to check for blistering or peeling paint.  If you have this showing on your home or siding, it is a signal that the paint is no longer able to protect the surface that it is on.  If not corrected, it can lead to the deterioration of the building or siding and end up costing you a lot more than repainting it now would.

For more on this and to make sure that your home insurance is up to date, call your Lees Summit, MO branch of Epic Insurance now.

 

Using Home Insurance to Your Advantage: What to Remember

In Lees Summit, MO there are a variety of ways that you can keep yourself and your family safe, but home insurance may be one of the top ways to protect your legacy — even if it that’s not how you see it now. Epic Insurance wants you to know more about how you can make it work for you. 

Safety First 

Making protection one of your priorities means keeping what you’ve built for both yourself and your family from a variety of harmful events. When you have the right home insurance, you’re safeguarding the future. Getting coverage that will keep the investments that you’ve made today from natural disasters, and man-made ones alike is a smart decision that too often homeowners dismiss as too expensive. Just one major event can bankrupt a family, and force everyone to change their expectations and hopes for the future. 

Finding Your Rock 

There are many choices available today to make when it comes to finding the right partner for home insurance. But there are also many companies out there who won’t be able to take the time to truly answer your questions, and may just leave you feeling more frustrated about the process than ever. To get the most out of your home insurance, you need to find a staff that’s reliable enough to both set you up with a policy that will include everything you need, and will also be there for you when you need them the most. 

Epic Insurance 

Our staff is here to ensure that you get the service you need when you need it. Give us a call to learn more about our rates, and how we’ve helped the people of Lees Summit lead better lives. When something goes wrong, whether it’s a tree branch falling on a roof or water damage in the basement, we’re here to help you. Learn more today. 

RVing It In Lees Summit, MO

Did you know that Lees Summit, MO rates as one of the top 100 cities in America?  According to Lees Summit Tourism, it also has a vibrant economy and lots to do.  Once a farming community, it has held it’s historic charm enjoyed by residents and RV adventurers alike.  If you’re planning to take a trip to Lees Summit with your RV this year, here are RV parks in the area to take advantage of.

Longview Lake Campground

Located in Lee’s Summit, this RV campground has it all.  From big rig access to allowing pets,  and a big, beautiful lake this county campground is a family friendly choice.

Fleming Park/Blue Springs Campground

When visiting the Kansas City area, this campground is a good choice and only 20 minutes from Lee’s Summit.  It’s another county campground with RV hook-ups and a lake.  Pets are also welcome. The only downside to this RV park is that most sites require leveling, which can be a pain if you arrive by night.

Peculiar Park Place

The last one on our list, Peculiar Park Place is also located in the Kansas City area and open year round.  If you’re in the mood for some heartland America to refresh and revitalize your soul, then this is the campground for you.  It’s only 25 minutes from Lee’s Summit in the town of Peculiar.

Before heading out on your RV trip to Lee’s Summit, MO, be sure your RV insurance is up to date and covers any possible unexpected disaster. This way you can relax and enjoy this beautiful part of America knowing that your RV is covered from top to bottom.  At Epic Insurance, we have a passion for providing RV insurance and will help you get the best rates.  

 

 

 

Things To Take Care of Before Getting Out on the Boat This Summer

As the days get hotter and the sun stays out longer, if you have a boat then you know it is time to start getting it ready for summer use. Making sure you have everything in order will help you to enjoy more of your boat this summer and worry less about the little things. Use our tips to get everything done before it is time to take the boat out.

  • De-winterize your boat. You were smart in winterizing your boat before the cold weather hit but now you need to prep it for the warm weather and that includes de-winterizing your boat. 
  • Get a tune up. A tune up can do wonders for your boat, especially if you haven’t had it looked at in some time. The best way to keep your boat running well is to get a tune up every year before the summer season. 
  • Check your battery. Not only is this something you should do before the summer but if you leave your boat sitting unused for a few weeks, you should check the strength of the battery before you take it out on the water. If it is low or shows no power, then you may want to replace it.
  • Check your fluids and replace filters. Make sure your fuel filters are changed regularly do your engine runs well. You should also check all of your fluids to ensure you have everything set up for the summer. You can check both of these things throughout the summer as well.  

If you do not have boat insurance or would like to look into your current boat policy to make sure you are completely covered, be sure to contact us at Epic Insurance.

How to Avoid Road Rage Incidents

Missouri motorists may experience road rage when people drive aggressively or make mistakes. This behavior sometimes results in traffic accidents, fights and even gun violence. It’s crucial to learn how to avoid excessive anger and react to unruly drivers in a safe way. The right approach could save your life.

Signs

When road rage begins, people often make angry comments about fellow motorists or think about hurting them. They might try to punish other drivers by passing them before slowing down. Other symptoms include frequent horn use, headlight flashing and tailgating. It’s important to avoid such actions and use caution around motorists who exhibit this behavior.

Causes

Regardless of who committed the first traffic violation, road rage is usually brought about by certain types of conduct. Common triggers include yelling, obscene gestures and incessant lane changes. It could also occur when someone insists on driving too fast or slow. Such behavior may cause angry outbursts in people who are already under stress.

Prevention

To avoid road rage, concentrate on safety rather than being right or "winning." Remember that you can’t read other drivers’ minds. There are several possible reasons for seemingly aggressive driving, such as inexperience, a demanding boss or a medical emergency.

Be Careful

Always do your best to follow all traffic rules. Don’t drink alcohol, send text messages or turn without signaling. Leave plenty of room between your vehicle and other cars. If possible, depart early so you won’t need to hurry. This will help you avoid provoking other motorists or becoming angry too easily.

When you can’t stop road rage from causing an accident, it’s vital to have adequate insurance. The experienced agents at Epic Insurance will help you find the right coverage or review your existing policy to ensure it offers suitable protection.
 

Use Commonsense When You Are Considering Commercial Insurance

Who wants to make purchasing commercial insurance an epic event?
Believe it or not, we do. At Epic Insurance we are committed to taking the drama out of protecting your business. You are in business to make money and depending on the type of business you own you want to provide high quality goods and/or services to your client base. You are definitely not in business to lose much needed rest worrying about who may trip and fall outside on the sidewalk out front of the business or who may be injured as a result of an accident one of your company vehicles may be involved in.

What Do I Have to Consider When Commercial Insurance Becomes Necessary For My Business

Owning a small, medium or large business has inherent liability risk that is contingent upon the type of business you own. There are many factors that must be considered when you come to the table to purchase your commercial insurance policy.

Points of consideration include:

  • the amount of people that are employed at your business as well as the risk that they face when they are on the job and conducting your business
  • are vehicles being used to conduct your business?
  • who is using the vehicle?
  • where are they going in the vehicle?

These are the commonsense questions that must be answered to determine the amount of insurance that would best fit the needs of your commercial enterprise.

We make purchasing insurance for your car, home, life and business an epic occasion. Epic Insurance takes the drama out of understanding the terms of your policy. We offer a considerate and professional staff of service professionals to make certain you understand your protection and the inherent liability of your business.  

 

Safety Tips for ATV Riding

Riding an ATV can be an extremely fun experience, especially the more familiar you are with driving it. You will find that ATVs are able to explore much of nature that you can’t explore when riding in a car or truck. And while having fun on an ATV is most definitely one of the best ways to enjoy pleasure and bond with those you ride with, it must be remembered that there are many safety tips to follow to make sure you don’t have an accident. Here’s a quick look at two tips you can follow to optimize safety for first-time riders and steer clear of ATV accidents. 

Go Slow at First

As with anything in life, the more you do it, the better you become. With ATV riding, this is essential to the safety-side of riding. You need to start out slow at first — in relation to both your speed and and willingness to travel on terrain that you are unfamiliar with. It’s with a simple ATV machine that you will enjoy learning to ride, and as you become more advanced, so can your ATVs. 

Don’t Forget to File the Paperwork

Don’t forget to file your paperwork for your ATV. Just the same as with a car or truck, ATVs should be registered and information needs to be in a database. If an accident were to take place, the paperwork can be used to file claims with your insurance company. Without registration, you may find that you are unable to ride on public trails. In fact, even with registration you may have to pay a fee to acquire access to these fun ATV routes. The U.S. Forest Service, an agency working for the federal government, has seasonal passes available that help off-roaders save money.

Would you like to learn more about staying safe when riding your ATV? If so, contact Epic Insurance today.