Does Homeowners Insurance Cover Water Damage?

What does my homeowners insurance cover? Water is known for penetrating structural cavities and creating growing pockets of saturation without the knowledge of the homeowner. Unfortunately, it often requires sophisticated tools and technology to find the source of such water damage. If the moisture remains undetected, it causes damages that eventually lead to an expensive restoration process. IICRC-certified restoration specialists possess the skills, knowledge and equipment needed to dry a building and stop the source of the damage. They monitor conditions carefully to help prevent future issues and problematic mold. Flood Cleanup Tips Always be sure that it is safe to enter a building that was previously flooded. Look for structural damages that create falling dangers, electrical hazards and other 

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Tips to Winterize Your Home

The chill in the air tells you it’s time to pull out the heavy clothes and brave the falling temperatures. That chill should also tell you it’s time to perform a check of your home to ensure it can withstand the rigors of the upcoming winter. Start with a top down approach by taking a good look at your roof. Inspect it for cracked or missing shingles, worn patches on shingles, missing or damaged flashing, and any other conditions that might permit water to leak through. If your shingles look haggard, try bending the corner of one – if it breaks, it is time for a new roof. Your gutters are another part of your anti-leak prevention system so they 

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Top Apps To Avoid Drunk Driving

Drunk driving incidents claim the lives of up to 25,000 Americans per year, according to statistics from the National Transportation Safety Administration. That should be reason enough to do all you can to prevent yourself and your friends and loved ones from getting behind the wheel, while intoxicated. Even if no one is hurt, getting convicted of even one DUI offense can cost you your license, your insurance, and as much as $10,000 in legal fees and fines. In some industries, a single DUI offense can cost you your career, as well. Fortunately, thanks to mobile phone and computer technology, we now have a number of useful and innovative tools to help you have a good time, while responsibly managing 

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Why Insurance Rates are Increasing

We are often asked why are insurance rates increasing? I didn’t file a claim or get a ticket. Insurance premiums are a function of these factors: The perception of future risks, recent catastrophic claims and the return available on investment. Huge fires and other disasters factor in, such as the Colorado Springs blazes earlier this year and other natural disasters have also forced large payouts. Even the devastating Japanese earthquake and tsunami from 2010 affects insurance premiums in the United States, since insurance companies routinely purchase re-insurance coverage from very large companies. And these reinsurance companies, such as General Re, have been increasing their rates. In addition, jury awards and settlement costs in a variety of commercial fields have put 

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Healthcare Open Enrollment 2017

In the insurance industry, ‘annual enrollment’ refers to the period every year where individuals can sign up for an insurance plan with no discrimination or reduced discrimination against pre-existing conditions, or reduced or non-existent medical underwriting. In some cases, it’s the only time someone can sign up for insurance with a only a few exceptions. Take open enrollment very seriously as missing this window may shut you out of options or even health insurance alltogether. Insurance companies and laws limit open enrollment to specific times every year in order to protect themselves and everyone else enrolled in their plans against adverse selection, which is the tendency of healthy people not to sign up for insurance until they actually have a 

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