Recommended steps to take after the wind causes a tree or tree branch to fall on your home:
1. Take picture of the tree being on the house.
2. Prevent further damage from happening by covering damage with a tarp, holes can cause water to leak into the house and cause more damage.
3. Keep track of your time to clean and remove trees and work that has to be done if you have to prevent more damage from occurring.
4. Call your insurance agent and we will report to the insurance company and advise adjuster to call you.
When the chill starts creeping in through the windows and doors, it’s time to get ready for the big freeze. We’ve put together a quick and easy checklist, so you can prepare your home for the cold with confidence. Some of these items are regional. For instance, you probably won’t need to insulate your pipes if you live in Southern California. But many of these apply to just about everyone. Act on the ones that are right for your home, and skip the ones that don’t apply.
Inside the Home
Indoor preparations focus on two major components: efficiency and warmth. You want to keep as much heat inside the home as you can to use energy more efficiently, which means taking care of leaks and insulation problems. You also want to have the fireplace, heater, wood stove and ventilation system ready to go. Here’s a list to help you get it all done.
- Fill in cracks around window frames and door frames with caulk. Bob Vila, well-known home improvement guru and host of This Old House, says that this is one of the cheapest and most significant ways you can cut heating costs in winter.
- Check insulation in attics, garages and basements. If you have a bug or animal problem, you may need to tear out and replace old or chewed up insulation.
- Make sure any exposed pipes in the attic, basement and garage are properly insulated.
- Get a check-up for your heating and ventilation system to make sure it’s running as cleanly and efficiently as possible. This can save you a lot of money on utilities.
- Have a chimney sweep inspect the flue and clean the chimney before starting a fire. There may be bird nests or animals blocking the opening, or a highly flammable buildup of creosote. Either of these can start a chimney fire.
- Check for cracks and openings in your wood stove. Get a professional to replace compromised glass or crooked vent covers.
- Change the batteries in your smoke detectors.
- Install a carbon monoxide detector, if you have not done so already. Change the batteries on your existing detectors. The winter months are prime time for carbon monoxide accidents.
- Have a licensed technician inspect your fire sprinkler system, and ensure it is ready for cold weather.
Outside the Home
To prepare the exterior of the home, you need to focus on protecting it from the elements, especially if you live in a snowy climate. It’s also a good time to start prepping your yard for next spring.
- Clean out the gutters, spouts and drains around your home. Usually there is a thick accumulation of leaves after fall, and this can cause trouble when you need your roof to shed snow and water quickly.
- Fill in any cracks in your foundation or driveway with caulk or a patch, to keep moisture out.
- Inspect the roof for cracks, loose tiles, or other signs of weakness. Get all repairs finished now, before the snow or winter rains begin.
- Have a tree service trim the trees near your home, especially around the roof, power lines and back deck. Heavy snow and strong winds can cause branches to break and fall on your home.
- Insulate outdoor water pipes and pipes beneath the house that are exposed to outside air.
- Install a thermometer where you can easily see it from inside your home. The Centers for Disease Control says this is especially important for those over 65, because the ability to gauge temperature decreases with age.
- Empty and store your water hoses.
- Insulate outdoor water spouts. In mild climates, an old sock and a strip of duct tape is enough to do the trick.
- Drain and store your lawn equipment for the winter.
- Inspect and organize snow removal items like your snow blower, snow shovel and rock salt. Make sure they are in a spot that will always be accessible, even if you get surprised by a heavy winter storm.
- Put away or cover the barbecue and patio furniture, if you do not plan to use them during the cold months. This will extend the life of your patio set considerably.
- Fertilize and reseed your grass, and plant any bulbs you want to see sprouting in the springtime.
If you have pets in the home, there are even more preparations to be made before winter hits. Make sure to plan for their warmth and comfort, too.
- Prepare your home for more indoor dog time. If your pups usually stay outside, you may need to reorient them to indoor life. Give them time to adjust to crate sleeping and set clear boundaries for the rooms and furniture they can use.
- Give goats, chickens and other outdoor animals adequate shelter. Install heaters where necessary, and be sure coops and stalls are watertight and well insulated.
- Plan ahead to make sure all animals on your property have constant access to unfrozen water.
- Strengthen your fencing, and be extra vigilant against predators over the winter months. Small animals are much more likely to be poached by coyotes, wild dogs, bears and mountain lions when food is scarce. Try to keep cats inside as much as possible.
Winterize Your Finances
Now is the time to get ready for all the costs that come with owning a home in wintertime. Decide on a cold weather budget ahead of time, so that you can have adequate funds on hand for the unexpected.
- Save and keep a reserve of cash on hand. You never know when you may be without electricity, or the car could break down, or the roof might start to leak from the heavy snow load.
- Contact your insurance agent to make sure your homeowners insurance is up to date, and that you have enough coverage to take care of a leaky roof, a broken pipe, or a fallen tree branch. You may need a home repair policy on top of your homeowners coverage. Check that your deductible is set at a level you can afford if the worst happens.
- Prepare for winter illnesses and accidents with good health coverage. An independent agent in the Trusted Choice® network can help you find the right policy for your family, at a rate you can afford. Sometimes an independent agent can get you an even better deal than group coverage from your employer.
Get Cozy and Enjoy
You worked hard to get ready for the cold. So now…
- Start a fire in the fireplace.
- Put on some fuzzy socks.
- Snuggle up on the couch.
- Drink a hot cup of cocoa. You’ve got less to worry about than ever before.
article courtesy of https://www.trustedchoice.com/content/2014/10/fall-home-checklist.trackback/
Halloween is a great time for kids of all ages but it isn’t always fun for pets. Here are 7 ways to help keep your pets safe this Halloween.
- Provide Safe Treats for your Pet: Pets stores sell Halloween treats for pets so they can join the fun. Keep chocolate, sticks from caramel apples, wrappers, candy and foils away from your pets. They can be harmful.
- Don’t leave pets in a parked car: If locked in a car while you gone your pet could become frightened by all the noise and passersby. They could get aggressive trying to protect the car or even become bored and damage the interior of the car. Leave them at home in a safe place indoors.
- Make sure they have ID tags: Always make sure they have a current ID on their collar. If they do get out of the house and are lost the ID can be life saving.
- Keeps Pets Indoors: Because of superstitions, black cats are especially at risk. Some mean jokers have stolen, teased or injured pets that were left outside on Halloween.
- Keep Pets away from the door: The constant doorbell ringing, doors opening and closing and people talking and laughing can be stressful on your pets. Keep them in another room to help keep them calm.
- Be cautious with decorations: Cats and Kittens are attracted to the flickering light of a candle in a carved pumpkin. They can knock it over and burn themselves or start a fire. Use battery operated lights instead.
- Choose pet costumes wisely: Keep it simple, like a decorative collar or bandana. If you choose a full costume make sure it fits correctly. Too tight could cut off circulation or hinder breathing, too loose and your pet could trip over it, get it stuck on objects in and out of the house.
If the names on the title of your car and the named insured’s on your auto policy do not match, you will not have coverage in the event of a claim.
One of the most important things to remember is that the named insured listed on your insurance policy needs to match the names on the title of the vehicle. If John and Sally Doe’s son, Donny Doe, buys his first car and the title to the new vehicle has only Donny Doe’s name on it, but he adds this vehicle to mom and dad’s auto policy (John and Sally Doe listed as named insured), THEY WON’T HAVE COVERAGE! The names on the title have to match the insurance policy’s named insured for coverage to apply. You need to communicate this information to your agent. Don’t get caught thinking you have coverage when your son Donny Doe might not!
Courts have determined that the policy wording “Where you reside” limits what is covered and what is not.
How can this affect a homeowner? The owner is temporarily living off the residence premises while they remodeled their home. If there is a claim to the dwelling during that time the insurance company can deny their claim because the insureds were not residing in their residence at the time of the loss.
Call us to discuss your where you reside. It could mean coverage or no coverage.
This question that is asked many, many times through out the year. The answer to that Is, the automobile policy is the broadest policy for insurance. Basically the persons named on the policy, as in named insured, can give permission to anybody else to drive their car and there would coverage. Please check your policy or call us at Davidson Insurance Agency, Inc. for questions and clarifications to make sure you policy complies.
This question is asked many, many times throughout the year. The answer: The automobile policy is the broadest policy for insurance. Basically, the persons named on the policy, as in named insured, can give permission to anybody else to drive their car and there would be coverage. Please check your policy or call us at Davidson Insurance Agency, Inc. for questions and clarifications to make sure your policy complies.
What would be an amount that one would be comfortable with. We insure an expert in the water restoration business and he flat out told me BOLDY! Don’t sell a policy without $25,000 of water sewer backup and sump pump malfunction coverage. Now this comes from an expert who cleans up these mess as his job! You might think he does know what he is talking about!
In 2013, a poll was done by Interest.com which discovered that the average cost of a new car/truck was $32,086. If your auto policy property damage coverage is set at the state minimum for NE then you only have $25,000 in coverage. If you were to run a red light or stop sign and collide with a newer vehicle chances are you won’t have enough property damage coverage to pay for the other person’s damages. This will leave you in debt for the remaining amount leading you into financial hardship or even bankruptcy. Can this be foreseen or stopped? Yes. Contact your agent today to review your auto policy and make sure you have adequate coverage to safeguard yourself, your family and your financial assets.
Shannon Mohrman CISR
Davidson Insurance Agency
Did you know that most companies have added Medical Payments Coverage for Pets to the personal automobile insurance policy? Yes, I did say medical expense for pets. If you are in an automobile accident and you have your pet with you, companies now provide coverage up to $1,000 or even $2,000. Fido and Miss Kitty can have peace of mind that their injuries are important. Call us to check if your company offers this coverage. In every case I have seen, the coverage has been added for you at no additional cost.