VACATION CHECKLIST: Things To Do Before You Leave

It's summertime and that means vacations for most families. Unfortunately, your vacation buzz can be lost too quickly when you get home and realize that you forgot to take care of a few essentials. Your vacation should be an enjoyable and relaxing time, so before you head out here are a few things to be sure to check off your list so that you can come back to your home in the safe condition you left it.

• Hold mail and newspapers.
• Pay bills that will be due while gone.
• Make arrangements for a neighbor or friend to have a key to your house or apartment - or at least know where one is. Give them a number where you can be reached.
  • Hold mail and newspapers.

    Click to read more ...

Be Flood Ready This Spring!

Here are some basic steps to take to prepare for spring rains:

• Contact the local county geologist or county planning department to find out if your business is located in a flash-flood-prone area or landslide-prone area.


• Learn about your community's emergency plans, warning signals, evacuation routes, and locations of emergency shelters.


• Plan and practice a flood evacuation route with your employees. Post emergency phone numbers at every phone.

Click to read more ...

How Do I Know If I Have Hidden Mold?

Suspicion of hidden mold:

You may suspect hidden mold if a building smells moldy, but you cannot see the source, or if you know there has been water damage and residents are reporting health problems. Mold may be hidden in places such as the back side of dry wall, wallpaper, or paneling, the top side of ceiling tiles, the underside of carpets and pads, etc. Other possible locations of hidden mold include areas inside walls around pipes (with leaking or condensing pipes), the surface of walls behind furniture (where condensation forms), inside ductwork, and in roof materials above ceiling tiles (due to roof leaks or insufficient insulation).

Investigating hidden mold problems

Investigating hidden mold problems may be difficult and will require caution when the investigation involves disturbing potential sites of mold growth. For example, removal of wallpaper can lead to a massive release of spores if there is mold growing on the underside of the paper. If you believe that you may have a hidden mold problem, consider hiring an experienced professional.

Cleanup and Biocides

Click to read more ...

Mold, Moisture, and Your Home

• When water leaks or spills occur indoors - ACT QUICKLY.  If wet or damp materials or areas are dried 24-48 hours after a leak or spill happens, in most cases mold will not grow.


• Clean and repair roof gutters regularly.

Click to read more ...

Prepare For Flood Season

Educate Yourself

After getting flood insurance, there are several things you can do to minimize losses in your home and ensure your family's safety.

1. Safeguard your possessions.
Create a personal "flood file" containing information about all your possessions and keep it in a secure place, such as a safe deposit box or waterproof container. This file should have:

• A copy of your insurance policies with your agent's contact information.

Click to read more ...

What to Do Before a Thunderstorm

Remove dead or rotting trees and branches that could fall and cause injury or damage during a severe thunderstorm.

If thunder roars, go indoors" because no place outside is safe when lightning is in the area. We want everyone to stay indoors until 30 minutes have passed after they hear the last clap of thunder.

Summary of Lightning Safety Tips for Inside the Home

• Avoid contact with corded phone.
• Avoid contact with electrical equipment or cords. If you plan to unplug any electronic equipment, do so well before the storm arrives.
• Avoid contact with plumbing. Do not wash your hands, do not take a shower, do not wash dishes, and do not do laundry.

Click to read more ...

My Friend/Neighbor/Relative Didn't Have To Pay Their Deductible

Every once in a while our company is asked if we can "bury" a prospective client's deductible. We are often told that a previous contractor who completed repairs to the home did the work without collecting the deductible. I have no doubt that such persons are telling the truth, since such occurrences are far from rare. I also have no doubt that the deal these homeowners think they have gotten will cost them more than their deductible in the long run.

Click to read more ...

P-U! Is sewage backup covered?

The following was e-mailed to me by United Policyholders, a consumer advocate group for insureds.  This is great information I thought I should share with everyone...

Stinky sewage back-up and overflowing drains are a very common cause of damage to homes and businesses, especially those located in flat areas or near the bottom of slopes. Many policies now exclude coverage for the clean-up and repairs, but for a mere $20 a year you can buy a "Back-up of Sewer or Drain Endorsement" that gives you up to $10,000 in coverage. The catch? A $1,000 deductible. But hey, that's still easy math.”

Larry Banach - Construction Manager

Protect Yourself From Winter Storms & Extreme Cold

Winter storms are considered "deceptive killers" because most deaths are indirectly related to the storm. Seventy percent of fatalities related to ice and snow occur in automobiles, and approximately twenty-five percent of all winter-related fatalities are people caught off-guard in the storm. Prolonged exposure to extreme cold can cause frostbite or hypothermia. Powerful winter storms can also have thunderstorms associated with them. These storms can dump as much as three inches of snow or one inch of ice in an hour.  So how can you prepare for winter weather?

Familiarize yourself with these terms to help identify a winter storm hazard:

Click to read more ...

What To Do If You Have A Water Damage

The Do’s and Don’ts if you have a water damage at your home or business:

DO:

• Have a professional plumbing contractor eliminate the water source.



Click to read more ...