<![CDATA[Grounds Insurance Agency - Blog]]>Tue, 04 Aug 2026 17:13:18 -0700EditMySite<![CDATA[Homeowners Claim Process]]>Mon, 12 Jun 2023 15:25:16 GMThttps://www.grounds-ins.com/blog/homeowners-claim-process
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​If you need to make a homeowners insurance claim, here are the steps to take:
​1. Make sure everyone is safe. If there are any injuries, call 911 right away.
2. Take steps to prevent further damage. For example, if you have a leak, turn off the
water supply to prevent additional water damage.
3. Document the damage with photos or video. This will help your insurance company
assess the damage and determine the appropriate compensation.
​4. Contact your insurance company as soon as possible to report the claim. Provide them
with details about the damage and any temporary repairs you've made.
5. Work with your insurance company to schedule an inspection of the damage. They may
send an adjuster to assess the damage in person.
6. Keep all receipts and invoices for any repairs or expenses related to the damage.
7. If you need to make temporary repairs before the adjuster arrives, make sure to keep
receipts and document the work done.
8. Follow the instructions provided by your insurance company throughout the claims
process.
9. Be sure to keep an account/documentation of all communications with all parties
involved.
10. Be patient throughout the process, as it may take some time to get your claim resolved.
Remember to always prioritize your safety and the safety of others in the event of a
homeowners claim. Stay calm and follow the steps above to ensure a smooth claims process.
]]><![CDATA[Auto Rates on the Rise]]>Mon, 05 Jun 2023 17:05:55 GMThttps://www.grounds-ins.com/blog/auto-rates-on-the-rise
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Grounds Insurance Agency

There are several factors that could be contributing to the increase in auto insurance rates in Texas, including:
  • Increased frequency and severity of accidents: The number of accidents and the severity of the accidents have been on the rise in Texas. This has resulted in an increase in then number of claims filed by policyholders, which can lead to higher premiums for everyone.
  • Distracted driving: Distracted driving, such as using a cellphone while driving, has become more common in recent years. This has led to an increase in accidents, which can drive up insurance rates.
  • Increased costs of car repairs: The cost of repairing cars has increased due to the complexity of modern vehicles and the increased use of technology in cars. This means that insurers are paying more to repair damaged vehicles, which can result in higher premiums.
  • Extreme weather events: Texas is prone to extreme weather events such as hurricanes, floods, and tornadoes, which can cause significant damage to vehicles. This can lead to an increase in claims and higher premiums.
  • Insurance fraud: Insurance fraud is a growing problem in Texas, and it can lead to higher insurance rates for everyone. Fraudulent claims increase the costs for insurers, which they pass on to policyholders through higher premiums.
  • Insurance Score: Based on credit history, late pays, cancellations, age, gender, and driving record, and geographical location.
  • Claims History: Claims will have a significant impact on your rates, especially if your child has a claim on their report. At fault and non-at fault claims are tracked by carriers to help them determine rates.

These are just some of the factors that could be contributing to the increase in auto insurance
rates in Texas. Insurance companies must take all of these factors into account when setting
premiums, and rates may vary based on a variety of factors, such as your age, driving record,
and the type of vehicle you drive.
]]><![CDATA[Grounds Insurance Agency Blog]]>Fri, 12 May 2023 19:14:06 GMThttps://www.grounds-ins.com/blog/grounds-insurance-agency-blogPicture
Welcome to our new insurance agency blog!
 
This is our very first post. We're not quite sure what we're going to write about here, but the plan is to create helpful content for customers and prospective clients about information that is relevant to you.
 
We hope you'll come to view this as a top resource for keeping your family and your finances safe.
 
Here are a few of the topics we may be writing about:
  • Answers to clients' frequently asked questions.
  • Helpful information about insurance shopping.
  • Safety and Health Tips and Ideas.
  • Local Community Information.
 
Stay Tuned!
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