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The insurance claims process can be stressful, so many variables that must be considered. Major systems such as air conditioning systems are often confusing because they can be part of the structural or personal property coverage depending on whether you have a window AC unit or a HVAC system. It is important to review the existing policy coverage and understand the deductible levels.

There are many advantages of using a local air conditioner repair company. First, local AC repair services know the area, they will be able to find your home and understand nuisances that are specific to your locale. Second, they will understand the way to write claims to maximize your chances of getting approvals. Third, local air conditioner fixers will be able to complete work timely and will be available for preventative maintenance or warranty repairs afterwards.

Types of damages covered by homeowners or commercial insurance include the following:

Lightning Strikes/Power Surges

Trees Falling on the Outside AC Unit

Wind Damage

Types of damage NOT covered by homeowners or commercial insurance include the following:

Old Age – Such as dry rotted hoses, broken coils, fan breaks, compressor fails.

Unmaintained Damage – Such as frozen coils due to water backup, system failure due to unchanged filters.

Broken Thermostat

Repairs can be costly and insurance companies understand that. Many have started offering a major appliance coverage option that will ensure systems such as HVAC units are covered. Before filing a claim, consider the type of damage and cost. If the cost to repair the AC unit is close to the deductible amount, it may not benefit you to file a claim. Always take photos of any damage sustained.

The process for submitting a claim to your insurance company is easy, but can take a long time. Don’t waste any time.

Yorkshire-based (UK) insurance broker, Global Life Cover, today announced the launch of its online insurance brokerage, GlobalLifeCover.com, which specialises in providing life insurance for expatriates working in professions or geographical locations that are often rejected or considered high risk by underwriters and insurers.

GlobalLifeCover.com provides and online insurance quotation and policy service, allowing expats to get a quote in just 5 minutes. Expatriates who are employed can receive life insurance up to $250,000, no questions asked, and up to $500,000 with only a simple health declaration to complete.

“By providing life insurance for expats in China, Russia, South America, Afghanistan, Iraq, Africa the Middle East and more countries, we are ensuring that our clients can be covered in high risk environments across the developing world, thus providing them with peace of mind as well as life insurance cover”, said Hugh Brumfitt, a Partner at Global Life Cover and an authority within the Life Insurance Market.

Traditionally, life insurance for expats was a long-winded process where applicants had to submit an application form on paper to the insurer who would then decide what medical information was needed. This normally included having to take and pay for a medical from an English speaking doctor. The entire process could take months, and in some cases delayed the expat from commencing his/her new job.

“Having run GlobalLifeCover.com for testing purpose over the past few months, we have been able to track the life insurance quotes we received and policies that we issued. The volume of quotes and subsequent policies issued are far greater than our expectations. We are delighted to be able to fill a gap in the market. After all, you can get a quote for motor and home insurance these days, so why not life insurance?”

Currently, GlobalLifeCover.com is offering life insurance specialist insurance for Oil and Gas workers, War and Terrorism, Kidnap and Ransom. It also covers health issues, cover for dangerous sports, low-cost, high-value life insurance cover to expatriates living and working in China, Russia, South America, Afghanistan, Iraq, Africa, the Middle East and other high risk countries other life insurance providers will not cover.

In the very near future, Global Life Cover will announce that it will provide critical illness policies, which pay out on the diagnosis of one of the specified illnesses including most types of cancer and heart conditions.

To receive a free online life insurance quote, visit www.GlobalLifeCover.com.

About GlobalLifeCover.com

The company is headquartered in Yorkshire, England, United Kingdom and prides itself on offering and issuing low-cost, high-value life insurance cover to expatriates living and working in China, Russia, South America, Afghanistan, Iraq, Africa, the Middle East and other high risk countries other life insurance providers will not cover.

Global Life Cover also provides unparalleled customer service, ensuring it continues to foster strong relationships with its policy holders and partners worldwide.

For more information on Global Life Cover and to request a quote, please visit the company’s website – http://www.GlobalLifeCover.com.

Press Contact:
Hugh Brumfitt (Partner)
Global Life Cover
hugh@globallifecover.com
www.globallifecover.com

“There is a reason medicine is called a practice. It is still in very much a learning phase,” said Michael Kataf, Insurance Broker.

One of the best ways to limit medical errors is to ensure quality education of medical students. The days of spending up to 80 hours a week in a hospital with patients is being phased away in favor of less hours and more time with patients.

The decrease in medical accidents is impressive. Many previous accidents from miscare or mismanagement of symptoms and medication are negligible compared to a few decades ago.

“There is still a long way to go,” said Kataf.

Kataf specializes in medical malpractice insurance for students and residents who are starting their medical studies and professions. It is a way to help protect students from frivolous and unnecessary lawsuits.

“At the end of this month is the National Healthcare Quality Week (HQW). It will be from October 20-26, and it is a chance to celebrate the successes of patient care and outcomes from medical practices,” said Kataf.

Nexus Insurance helps all medical professionals save money on medical malpractice insurance. Each policy is customized to the specific needs and desires of the individual.

“I don’t believe in blanket policies that cover everyone but basically cover nothing at the same time. I want my customers to know what they are getting is a quality coverage for their needs,” said Kataf.

Kataf and Nexus Insurance offers a free quote for anyone in the medical field. Fill out the form and he will get you a free, no-obligation quote on insurance. For additional information, visit http://www.nexus-insurance.net.

About Nexus Insurance Services

Nexus Insurance Services is a professional insurance broker that has helped many doctors, lawyers, realtors, and business owners gain access to insurance providers for their practice or business. The company's mission is to be a firm that brings real value to clients, builds personal relationships on top of business ones, and always conducts itself with sincerity, integrity and fairness. Because of the relationships with many providers, the company is able to shop a client's application around to get the best rates. Contact Nexus Insurance for a free, no obligation quote for medical malpractice insurance, professional liability insurance, or workers compensation insurance. For more information, visit: http://www.nexus-insurance.net

Media Contact:
Michael Kataf
Nexus Insurance Services
25283 Cabot Rd. Suite 216 Laguna Hills, CA 92653
Phone: 1-877-465-7478
Fax: 888-600-6280
Email: info@nexus-insurance.com
http://www.nexus-insurance.net

“We are really pleased with our providers in that they can cover pretty much any group and for nearly any reason.” Tom says that he has been able to provide coverage for travelers from churches going on international outreach programs, missionaries, groups, families and individuals.

International travel insurance can be purchased for a variety of scenarios including trip cancellation, trip delay, medical, emergency evacuation and lost or stolen luggage benefits. Each category has multiple plans and can be tailored to your specific needs and budget.

Some of the most popular plans are for those that cover for various medical emergencies. “You definitely want to cover yourself for medical. If you end up having an accident or some medical emergency comes up, having the proper insurance in place saves you money and frustration. We’ve heard of multiple tales of travelers needing to be airlifted via air ambulance to other countries in order to receive proper medical care. In my opinion, travel insurance is a necessity. What may surprise a lot of people is that travel medical insurance is affordable and practical”, Tom was recently quoted as saying. Travel medical insurance can also be purchased for short term stays or for longer term stays, such as when a company may have an employee travel overseas for long durations.

“Our agents are here to make the process of buying travel insurance simple and to be able to explain the benefits in an easy to understand manner. Getting the coverage you need is our top priority and we would love the opportunity to earn your business”, Tom said. “No one wants to need to use it, but having travel insurance coverage will give you peace of mind.”

The Vaughn Insurance Group is based in Vista, California and agents are available by calling (760) 940-2056 or on the web at http://VaughnInsuranceGroup.com.

Contact info:
Tom Vaughn
760-940-2056
thevaughngroup@gmail.com
http://vaughninsurancegroup.com