Hall Insurance Services

As Independent Agents we offer a full line of products from financially sound companies. We will get you the best coverage for a price that fits your budget! .Actual Cash Value The replacement cost of property damage or destroyed at the time of loss, with deduction for depreciation. Actual cash value cannot exceed the applicable limit of liability shown in the declarations of the policy, nor the amount it would cost to repair or replace such property with material of like kind and quality within a reasonable amount of time after a loss.

Adjuster The person who handles the settlement of claims on behalf of an insurance company, either as an employee of the company or an independent engaged by contract. Also called a claims representative.

Agent The representative of an insurance company responsible for selling and servicing policies. Can be an employee representing only one company (sometimes called a "captive agent" or an "independent agent" who, through contractual agreements, may represent several different companies without being an employee of any of them.

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