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Friday, February 04 2011

A winter storm like the one we’ve had this week can cause significant damage to your home, ranging from roof collapse to downed trees and flooding. To get what you’re owed from insurance, try these tips from the Property Casualty Insurers Association of America:

  • Stay away from downed power lines, even if they do not appear to be “live.” Call the power company to report any outages.
  • Generally, damage to refrigerated food caused by a power failure that originates off the residence premises would not be a covered loss.
  • Damage to trees, shrubs, and other plants during an ice storm is not covered under the standard home owners policy. However, insurance may pay to remove the debris from a fallen tree if it caused damage to a structure covered by insurance.
  • If your tree damages a neighbor’s property, he or she should file a claim with his or her own insurer.
  • If the tree falls on your own house, damage to the house is covered. Many policies cover the cost to remove the tree from the house. However, if the tree or branch falls and does no damage to a covered structure, you’re probably not covered.

If your property does sustain damage, take the following action:

  • Report all damage to your insurance company or agent as soon as you can in order to settle your claim more quickly and accurately.
  • If it is safe to do so, take steps to protect your property from further damage and theft by making emergency repairs. Use plywood, tarps, and other materials to cover openings in roofs, walls, and windows.
  • Keep receipts for anything you buy so you can submit them to your insurance company later.
  • Inventory all damaged property, take pictures of the damage, and check with your insurance company before throwing away any damaged property. Identify the structural damage to your home and make a list of everything you would like to show the adjuster.
  • To settle your claim more quickly and accurately, prepare as much information as possible about your damaged possessions when your insurance adjuster comes to look at your property.
  • Talk with your agent about what your deductible will be for the storm damage. The deductible can be either a flat dollar amount or a percentage of the home value.
  • Many standard home owners policies provide for reimbursement of additional living expenses if your home is so damaged that you can’t live in it. This coverage typically is limited to 20% of the value of the home or 40% of the personal property limits of the condominium or rental property.

Source: PCIAA



Read more: http://www.houselogic.com/news/articles/13-tips-coping-winter-storm-damage-and-insurance-claims/#ixzz1D0NO9yUs
Posted by: Rolando Trentini AT 09:38 am   |  Permalink   |  Email
Friday, April 23 2010
If you aren’t sure whether your property or business is at risk from disasters caused by natural hazards, check with your local building official, city engineer, or planning and zoning administrator. They can tell you whether you are in an area where hurricanes, floods, earthquakes, wildfires, or tornadoes are likely to occur. Also, they usually can tell you how to protect yourself, your house, business and property from the different hazards.

Select a category below to view any of the resources listed here.

Protect Your Business from All Natural Hazards
  • Protect Business Records and Inventory
  • Install a Generator for Emergency Power
Protect Your Property from an Earthquake
  • Anchor Large Equipment Properly
  • Anchor Tall Bookcases and File Cabinets
  • Anchor and Brace Propane Tanks and Gas Cylinders
  • Bolt Sill Plates to Foundation
  • Brace Cripple Walls
  • Install Latches on Drawers and Cabinet Doors
  • Mount Framed Pictures and Mirrors Securely
  • Restrain Desktop Computers and Appliances
  • Use Flexible Connections on Gas and Water Lines
Protect Your Property from Fire
  • Dealing with Vegetation and Combustible Materials
  • Replace Roofing with Fire-Resistant Materials
Protect Your Property from Flooding
  • Build With Flood Damage Resistant Materials
  • Dry Floodproof Your Building
  • Add Waterproof Veneer to Exterior Walls
  • Raise Electrical System Components
  • Anchor Fuel Tanks
  • Raise or Floodproof HVAC Equipment
  • Install Sewer Backflow Valves
  • Protect Wells From Contamination by Flooding
Protect Your Property from High Winds
  • Maintain EIFS Walls
  • Protect Windows and Doors with Covers
  • Reinforce Double Entry Doors
  • Reinforce or Replace Garage Doors
  • Remove Trees and Potential Windborne Missiles
  • Secure Metal Siding and Metal Roofs
  • Secure Built-Up and Single-Ply Roofs
  • Secure Composition Shingle Roofs
  • Brace Gable End Roof Framing

 

Source: http://www.fema.gov/plan/prevent/howto/index.shtm

Posted by: Rolando Trentini AT 08:00 am   |  Permalink   |  0 Comments  |  Email
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The Trentini Team
F.C. Tucker EMGE REALTORS®
7820 Eagle Crest Bvd., Suite 200
Evansville, IN 47715
Office: (812) 479-0801
Cell: (812) 499-9234
Email: Rolando@RolandoTrentini.com


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