THE LUSK HERALD • PAGE B5WEDNESDAY, JULY 22, 2020

Unfortunately, during summer thunder-storms, people may suffer storm-related damage to their homes and cars. The Wyoming Depart-ment of Insurance (DOI) offers these tips to help people with their insurance claims.

• • • • • • • •Dealing with storm damage and insurance: • Start the claim process - Contact your insur-ance company or agent and begin the claim process. Contact the DOI if you need contact information. • Document / mitigate the damage - If the damage to your home is extensive, take photos and document what was lost. If the damage is repairable, mitigate further damage by placing tarps on roofs or boarding up windows. • Ask questions - Work with your insurance com-pany on how the claim process will work. In these times of social distancing, companies are not always sending adjusters, and instead are using technologies like video or drone to assess damage. Once that is done, an adjuster will provide documentation to your insurance company to determine your claims settle-ment. Be sure to ask for an itemized explanation of the claim settlement offer. If there is a disagreement,

question. If this disagreement results in a claim denial, make sure you obtain a written letter explaining the

under which the claim is being denied. • Estimates for repair costs can change - Re-

-portant to provide additional information about this damage to your insurer before repair work continues. Improvements or repair work for damage that was not part of the storm will not be covered. • Contact the DOIwith the insurance companies, the DOI can assist con-sumers with questions about insurance and the claims process. Call the DOI at 307-777-7401 or at 1-800-438-5768 or complete a contact form at: http://doi.wyo.gov/contact-us

Be prepared for severe summer weather: • Review your Homeowners and Auto Insurance

Policies - Know what is in your policies. Ask questions if there is anything you do not understand. Storm or

have comprehensive coverage on the vehicle. An-nually review your policies and coverage limits to make sure they keep pace with your needs, construc-tion costs in your area, and the age and use of your vehicle. • Consider Buying Flood Insurance - Flood in-surance requires a 30-day waiting period before it be-comes effective. Flood insurance must be purchased as a separate policy. The Federal Emergency Manage-

ment Agency (FEMA) administers the National Flood Insurance Program (NFIP), a program available to any property owner whether or not the property is in a

insurance, contact the NFIP at 888-379-9531 or go to for more information or to get

an agent in this area. • Create a Home Inventory - Before any disaster strikes, create a home inventory. An inventory can be invaluable when deciding how much insurance cov-

adequately protected.

Do your homework: • Be Aware of Claim Filing Deadlines- Increas-

entire claim is denied. • Verify Adjusters - Adjusters may contact you if you have suffered damage to your home. All individ-uals acting as an insurance adjuster must be licensed with the DOI. An adjuster is an individual who for com-pensation as an independent contractor or a salaried employee of an insurer, investigates and negotiates settlement of claims arising under insurance contracts

are not licensed in Wyoming. Licensing information is public information and can be searched at: https://sites.google.com/a/wyo.gov/doi/database-search or by contacting the DOI. • – After

construction contractors start door-to-door sales or phone solicitations. While most contractors are hon-est and reputable, some make false promises. Some insist on full payment before the work is complete and may even create damage where none occurred. Find more information at the Better Business Bureau’s site You’ve Been Hit with Hail, What’s Next? • Hiring a Contractor - Be sure to read the con-tract carefully. Some contractors include an assign-

for any repairs that are not covered by the insurance company. Storm damage repair contractors should provide their business name and proof of their license and liability coverage. Storm damage contractors can-not claim to be adjusters.

Wyoming Department of Insurancehttp://doi.wyo.gov • 1 (800) 438-5768

This public service announcement is presented and paid for by the insurance companies licensed to do business in Wyoming in cooperation with the Wyoming Insurance Department.

visit the Insurance Department website’s “Company Financial Information” section.

INSURANCEINSURANCE Tips for Summer Thunderstorms

PUBLIC NOTICESPublic Notices901 Rio D. Smith

Rio D. Smith on behalf of Martin Hepner, Personal RepresentativeAttorney for Estate:Rio D. SmithThrone Law Of ce, P.C.508 W. 27th StreetP. O. Box 828Cheyenne, WY 82001(307) 637-2822Public Notice No. 5463. Published in The Lusk Her-ald on July 8, 15 and 22, 2020.

PUBLIC NOTICE

TOWN OF LUSKPUBLIC NOTICECategorical Exclusion Determination:CATEGORICAL EXCLUSION DETERMINA-TION For the TOWN OF LUSK, WYOMING FOR STREET ANDUTILITY REPLACEMENT PROJECT located in Niobrara County, WyomingThe Department of Environmental Quality/Water Quality Division (DEQ) has conducted a review of the proposed Town of Lusk Street and Utility Replacement Project in accordance with EPA and State of Wyoming procedures for implementing the State Environmental Review Process. DEQ has de-termined that this project is eligible for a categorical exclusion. Accordingly, DEQ is exempting the proj-ect from further substantive environmental review requirements under the State Environmental Review Process.Neither an Environmental Assessment/Finding of No Signi cant Impact nor an Environmental Impact Statement/Record of Decision will be required for the proposed action. The following is a briefdescription of the situation and the proposed action and a brief statement of how the action meets thecriteria for a categorical exclusion.A public meeting will be held on Thursday July 30th, 2020, 6:00 p.m. – 7:30 p.m., Lusk Town Hall Coun-cil Chambers, 201 E. Third Street.The Town of Lusk is proceeding with Funding ap-plications for plans to replace all water mains, water services, Fire hydrants, water valves, Sewer mains, Manholes and services throughout the town. The systems are old and in need of replacement. Water mains are undersized and do not provide adequate re protection. Once the new Utilities are installed, then the entire street will be reconstructed consisting of new curb and gutter, Street surfacing, sidewalks and ADA ramps. Provisions to install ber conduit for ease of a Carrier provided service and communi-ty connectivity will be installed. Minor storm sewer improvements consisting of inlet replacement and manholes replacement is included. The town propos-es to complete this work over a multi-phased, 8-10 year project approach. Phase 1, estimated at $6.8 million, is scheduled to being in Spring of 2021. The project funding will be a combination of SRF fund-ing, RUS funding, 6th penny sales tax (pending), and system user fees.The Town of Lusk is aware of and accepts the fact that they will be responsible for any required miti-gative actions associated with and including storm

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Court and that Martin Hepner was named as Person-al Representative thereof. Any action to set aside the Will and Codicil of George B. Willson shall be led in the Court within three (3) months from the date of the rst publication of this notice, or thereaf-ter be forever barred.

Notice is further given that all person indebted to the Decedent or to his Estate are requested to make immediate payment to the Estate of George B. Will-son at 508 West 27th, Street Cheyenne, Wyoming, 82001.

Creditors having claims against the Decedent or the Estate are required to le them in duplicate with the necessary vouchers, in the of ce of the Clerk of said Court, on or before three months after the date of the rst publication of this notice, and if such claims are not so led, unless otherwise allowed or paid, they will be forever barred.

DATED this 30th day of June 2020.

IN THE MATTER OF THE ESTATE ) )OF GEORGE B. WILLSON ) ) )

NOTICE OF PROBATE OF WILL

TO ALL PERSONS INTERESTED IN SAID ES-TATE:

YOU ARE HEREBY NOTIFIED that on the 26th day of June 2020, the Estate of George B. Willson was led for probate in the Eighth Judicial District

PUBLIC NOTICE

STATE OF WYOMING )COUNTY OF NIOBRARA )IN THE DISTRICT COURT

) ss:EIGHTH JUDICIAL DISTRICT

) )

Probate No. PR-2020