West Reading Avenues Fall 2021 - 11

9TH ANNUAL
ARTS FESTIVAL
READING
& Holiday Market
DECEMBER 4TH & 5TH // 10AM-5PM
INFO & TICKETS
GOGGLEWORKS.ORG
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Shop Local. Support Local. Enjoy Local.
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Printing & Copying | Signs | Direct Marketing | Creative Services
Mailing Services | Finishing & Binding | Promotional Products
610.670.2090
2530 Penn Avenue
West Lawn, PA 19609
sirspeedyprint@comcast.net
www.sirspeedy.com/westlawn
visitwestreading.org
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Questions for Your Agent
Do I have collapse coverage?
Many insurance companies cover for weight of ice, snow, rain, etc.
However they may not cover a true collapse. For example, the second
story of a bank barn giving way due to equipment or hay.
Why are building values important?
Most insurance companies require that you insure at least 80% of the
reconstruction value of your buildings. Failure to follow this guideline
can result in reduced claim payments or outright claim denial.
Must I have Worker's Compensation Insurance?
The current PA mandate states farmers with one employee who works
less than 30 days a year or earns less than $1,200 a year, and a spouse
or child of the farmer employer under eighteen years of age are exempt.
How large of an umbrella do I need and what does it cover?
A good rule of thumb for your umbrella is to have an amount equal to
what you own in assets. Unfortunately, in our society this is the number
used in many legal suits for damage compensation. An umbrella is
merely an extension of your current liability plan. It does not provide any
additional coverages outside of those included in the underlying policies.
What is Replacement Cost and Actual Cash Value?
Replacement cost is the true complete cost to replace your insured
item exactly as it is today with what it was when it was brand new.
Actual cash value is the replacement cost minus depreciation for age
and condition. It is important to know that some insurance companies
heavily depreciate older structures while others give much more
reasonable settlements.
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Kathy Barry Agency, LLC
949 W. Penn Ave. Robesonia, Pa 19551
610-693-5000
www.kathybarryagency.com
610-693-5000
www.kathybarryagency.com
http://www.GOGGLEWORKS.ORG http://www.kathybarryagency.com http://www.kathybarryagency.com http://www.sirspeedy.com/westlawn http://www.visitwestreading.org

West Reading Avenues Fall 2021

Table of Contents for the Digital Edition of West Reading Avenues Fall 2021

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