Bierwirth Insurance Agency
Insurance for Contractors in Texas.
Get started with an insurance quote by clicking below or give us a call at 713-589-5498 to start the conversation. 9am to 5pm CST.
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Who is Bierwirth Insurance Agency?
We care about you and your business. You are not just a number at our agency. You are person, with a name we want to remember.
You will work with the same person on your account. Not someone new, in a new department for your every need. We make ourselves available via phone, email, chat and text.
We’ve learned in the busy industry of construction; we need to be available for your permitting needs and last minute requirements to get on a jobsite to earn your living.
Owner/Founder Donna Howard is a Certified Construction Risk Insurance Specialist. Her experience includes 18 years of exposure to the insurance industry in a multifaceted environment.
Coverage designed to fit your business.
Questions? Answers.
This is not an easy answer. Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity. It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense. However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.
An adjuster is a representative of the insurance company that helps settle a claim. They are not employed by us. We do not settle claims as this is done by the adjuster. However, we will assist in making sure a covered claim is paid fairly and promptly.
Scheduling involves placing specific items with a specific value on your homeowners insurance. It can also be called an “Inland Marine” policy. This allows coverage for items that may be leaving your premises and would then be lost or stolen. They can also be set at specific deductibles. The most common items to schedule are jewelry, bikes, cameras and fine arts.
Replacement cost is the amount it costs to rebuild a home or structure. This amount can also include demolition. This value can be significantly different than an appraisal. Reason being, the cost of materials to rebuild can outweigh a home or structure’s market value. When insuring a home or structure the insurance company needs to know the replacement cost. There are tools that our agents use to help approximate this value.
Yes, it is the State law for all owners of a vehicle to have auto insurance. It is your choice if you wish to insure for physical damage if there is not a lender involved.
Broad form collision allows you to not have to pay your deductible if you are not deemed at fault in an accident. There are also options to choose “regular” and “limited”. These options should be discussed with your agent.
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