Are your children at risk?
If you are a parent and have children, then read closely to what we are about to discuss. Your children are precious to you and they mean everything.
homeowner’s insurance
Homeowner’s insurance is extremely important in protecting your home from damages or other losses. It is essential to have in case of a disaster, robbery, or other instance. However, there may be things in your policy that are not covered that you are unaware of.
In this article, we will discuss what items or events may not be covered under your homeowner’s insurance policy. No home should be without insurance. Therefore, knowing what to look for in your policy can help you get the best possible coverage without any surprises down the line. To get more information on the subject, reach out to so that we can assist you in picking the best insurance coverage.
Protecting your home from water damage
For the past 22 years, I’ve run Steamatic, a company that specializes in “insurance loss,” which is the clean up, rebuilding & remediation that happens after water damage, sewer back up, fires and mold. During that time, I have noticed certain situations that could be prevented by maintenance.
It is importance to first understand how much damage and how quickly the damage will intensify when water enters your home. Here are some things to remember:
- The longer something is wet, the more damage that will occur
- Wet carpet (and in particular the padding underneath) will spread the water to new, unaffected areas
- As water travels from room to room, the walls can start to soak up the water, thus adding to your damage
- This is a major issue that can be prevented by acting quickly.
- “Secondary damage” is when there is so much water (and humidity) that other areas of your home are affected even though they did not get wet
Helpful Tips On How To Protect Your Home From Burglary
Burglars look for easy homes to break into. How does your home stack up?
Did you know that in 2013:
1,559,284 people were arrested for property crimes?
Victims of burglary offenses suffered an estimated $4.5 billion in property losses?
The average value of property taken during larceny-thefts was $1,259?
Since property crimes are so rampant, what can you do to protect your home and family from burglaries?
How To Prevent Mold in Your Home
Mold can be very damaging to a home and to your family’s health. It can develop over a long period of time behind walls and under carpeting without providing any indication of its presence. During that time, it can use HVAC systems to spread throughout the home. Over time, it can destroy walls and, in extreme cases, make the home uninhabitable. This scenario can put your home at risk, and the damage can be very costly to overcome.
Are You Underinsuring Your Home?
If you’re like most Americans, your home is your largest investment. You put a lot of money into purchasing it, paying off the mortgage, and keeping it running. But you also put a great deal of time into making it your own. You are proud of your home. So what if something were to happen to it — such as a fire, burglary or vandalism?
5 Roof Maintenance Tips to Reduce Wear and Tear
The roof of your home not only protects your family and belongings, but it also helps secure the structural integrity of the property. With that in mind, your home insurance company is very much focused on helping you to protect your roof. If you have a simple roof leak, for instance, it could impact the overall structural integrity of the building. It is much easier and less expensive for a home insurance company to cover the repairs to your roof than to replace the home because of structural damage.
Home Insurance Deductible: How Much Is Too Much?
Home insurance deductibles give you some freedom in selecting the amount you’ll pay on your insurance plan. Deductibles are what you’ll pay first before your insurance kicks in when you file a claim. For example, if your roof needs replacing and the procedure is covered by your homeowners policy, you’ll pay your deductible first and the insurance carrier can cover the rest of the costs. What’s important to know is that your deductible is often a flexible component of your plan.