A home inventory can make claims easier when it matters most. January is a great time to update yours. 🔗 oakwoodmutual.com/new-year-insur…

If you had to list everything you own from memory, how confident would you feel? A home inventory helps take the guesswork out of claims if the unexpected happens. Our Home Inventory Guide walks through how to get started : 🔗 Read more: oakwoodmutual.com/home-inventory…

Start the year with clarity. A quick conversation with your local agent can help you understand your coverage. 🔗 oakwoodmutual.com/new-year-insur…

From starting in a part-time role to serving as office manager at our Decatur office, Kay played an important role in our day-to-day operations. We thank Kay for her dedication and contributions to Oakwood and wish her a very happy retirement.

Replacement Cost and Actual Cash Value may sound similar, but they can lead to very different outcomes after a claim. Understanding the difference ahead of time can help prevent surprises. oakwoodmutual.com/replacement-co…

Replacement Cost coverage is based on what it costs to repair or replace property today, without deducting for age or wear and tear. Understanding this difference can help avoid surprises after a loss. oakwoodmutual.com/replacement-co…

Valentine’s Day gifts often mean more than just the moment. Engagement rings, watches, and other valuables can carry significant financial and personal value. Some gifts may need to be specifically reviewed or listed to ensure they’re fully protected.

Actual Cash Value coverage pays replacement cost minus depreciation. Age and wear can reduce the amount paid after a claim, which is why understanding this difference matters before a loss occurs. Learn more: oakwoodmutual.com/replacement-co…

There’s no one-size-fits-all answer when choosing between Replacement Cost and Actual Cash Value. The right option depends on your property, budget, and expectations after a loss. Learn more: oakwoodmutual.com/replacement-co…

Don’t overlook the structures on your property. Sheds, barns, and detached garages have different coverage rules. Make sure you understand what’s covered. Learn more: oakwoodmutual.com/outbuildings/

What happens after you file an insurance claim? We’ve put together a step-by-step overview of the claims process at Oakwood Mutual so policyholders know what to expect. Learn more: oakwoodmutual.com/claims/

Step 1 in the claims process: reporting the loss. Providing clear details about what happened and how to reach you helps the claims team respond quickly and keep the process moving. Learn what to expect when filing a claim: oakwoodmutual.com/claims/

Winter weather can weaken branches without you realizing it. Take a quick look around your property. Are any limbs hanging over your roof or driveway? Spring storms and loose branches don’t mix well.

Step 2 of the claims process: inspection and evaluation. An adjuster may inspect the damage and develop an estimate to determine what the policy covers. Learn more about the claims process: oakwoodmutual.com/claims/

Local support matters during a claim. Your Oakwood agent can help report a claim, answer coverage questions, and guide you through the process when the unexpected happens. Learn more: oakwoodmutual.com/claims/

When was the last time you reviewed your home inventory or coverage? Homes change over time, and it’s easy to overlook what’s been added or updated. Taking a few minutes now can make a big difference later. Home Inventory Guide: oakwoodmutual.com/home-inventory…

Planting season is here, and that means more farm equipment on the road. For drivers, patience and awareness go a long way. For farmers, visibility and preparation help keep everyone safe. Sharing the road helps protect our communities during one of the busiest times of the year.

Loose railings or uneven steps can lead to more than damage. They can create liability risks if someone is injured. A quick inspection can make a difference. oakwoodmutual.com/deck-porch-sta…

Spring storm season is here. What’s one thing you always do to prepare before a storm rolls in? A few simple steps can make a big difference. Share yours in the comments.

Do you know how your deck or porch is covered? Attached structures are typically considered part of your home, while detached structures may be covered differently. Knowing how your policy applies can help avoid confusion if something happens. Learn more: oakwoodmutual.com/deck-porch-sta…