From the monthly archives: January 2013

We are pleased to present below all posts archived in 'January 2013'. If you still can't find what you are looking for, try using the search box.

1/29/2013 11:41 PM

How to Avoid Buying a Flooded Vehicle

Flood-damaged vehicles have been one of the issues for used car buyers to avoid.  These damaged vehicles may be cleaned, dried out, and offered for sale in another area. Buyers must know what to avoid when it comes to flood-damaged vehicles.  Flood -damaged vehicles are not ideal for purchase for several reasons.  The engine, fuel, transmission, brakes, and other vital control systems may be damaged.  Although the interior of the vehicle may be dry on the surface, moisture deep down in the seats can cause rotting. Potential damaged to flooded vehicles can show up in: ~The vehicle’s electronics, including engine controls and brake signals. ~Dashboards. ~Airbags and sensors. ~Interior carpet, upholstery and roof. ~Components that are rusted and corroded, including breaks and suspension systems. A car or truck doesn’t need to be obviously affected by water damage to have problems.  Flooding can take months or years to have an effect, leaving buyers with a hefty price ...

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1/20/2013 10:54 PM

Creating a Home Inventory

Would you be able to remember all of your possessions if they were destroyed?  Having a home inventory will help you get you insurance claims settled faster, verify your losses, and help you purchase the correct amount of insurance.  Start by making a list of your possessions, describing each item and where you bought it.  Attach to your list sales receipts, purchase contracts, and appraisals. Don’t get discouraged. If you have been living in the same house for many years, the task can be daunting.  Start with recent purchases and remember what you can about old possessions. If you are just setting up a household, starting an inventory list can be easier.     Items like jewelry, art, and collectibles may need to be insured separately and it’s important your agent knows about these items before a loss. Take pictures of rooms and individual items to have a visual record.  Note on the back of the photos what the item is and where you bought it.  If y ...

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1/14/2013 3:41 AM

Winter-Proofing Your Home

Winter related disasters cause over one billion dollars in damage annually. Many losses can be prevented if you take a few steps to protect your home. Melting snow can cause serious damage to property and winter storms are the third largest cause of catastrophic losses. Water damage and freezing account for the most frequent claims, followed by wind and hail. An important part of planning for winter is to review your insurance coverage.  Make sure you have enough to rebuild home and replace lost or damaged items.  If you don’t have flood insurance, please contact us about how you can obtain this important protection. Here are some tips on how to prepare your home: Outside Your Home ~Clean out gutters.  This can prevent drainage problems caused by ice that can cause water to seep into the house and drip from the ceiling and walls.  Installing gutter guards can also help prevent debris from entering the gutter and interfering with water flow. ~Trim trees and remove dead branches, w ...

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