Wednesday, June 19, 2013

Water Backup Coverage

Do you know what is covered and what is not covered by your homeowner policy?

If a toilet overflows or a shower drain gets clogged and overflows, your homeowner policy provides coverage.  However, all homeowner policies exclude any damage caused by water that escapes, overflows or discharges from a sump pump, sump well or any other system designed to remove water which is drained from the foundation area.

The good news is that there is an endorsement that can be added to your homeowner policy which removes the exclusion and provides coverage for such an unexpected incident.  Pricing and coverage amounts available will vary, depending on the carrier.

The other thing to remember is that flooding is not covered by this endorsement, but can be purchased through the government's national flood insurance program.

Note:  Some of the above information was obtained from a News & Community Bulletin from Safeco Insurance.

Monday, June 17, 2013

10 To Do's To Keep Your Home Safe Before You Leave For Vacation!

Summer is almost here and that means one thing: Vacation.  Whether you follow Route 66 or fly the friendly skies, you will most likely be one of the many people taking a well-deserved break!

To reduce the likelihood of house damage or a break-in, be sure to take the following steps before you go on vacation:


1) Turn off your water.  Many expensive losses occur when water leaks from a hot water heater or broken pipe.

2) Unplug your coffee pot, TV and other small appliances.  This will lower electric costs, as well as prevent possible fires.

3) Cut your grass and water your plants.  High grass or wilted plants may indicate you are away from your home - a possible draw for thieves.

4) Lock your windows and doors, and close curtains on windows where people can see into your house.  A simple, but oftentimes overlooked, step.

5) Install smart timers.  These inexpensive items can be programmed to turn lights on and off throughout the evening.  Burglars are less likely to target houses with lights on.

6) Stop your paper and mail deliveries.  Full mailboxes and a stack of old newspapers on your porch may signal you are out of town.

7) Don't leave an outgoing message on your phone announcing that you are away.  In this time of social media, even a post on Facebook could draw trouble.  Instead, try "I'm not able to take your call" or "I will respond to your message as soon as possible."

8) Ask a trusted neighbor to keep an eye on your house.  You may also want to give them your contact information while you are away.

9) Unplug the motor of your garage door opener.  This will help ensure that no one will find a compatible opener and get into your garage.  (Leave a key with a neighbor or relative so you can get in upon return).

10) Ensure required security devices are in place - especially around your pool.

Taking some simple precautions will help ensure you enjoy your vacation - and your return to your home sweet home... exactly as you left it!



Source: MSB