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.

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Do I Really Have To Pay My Deductible?

When you purchase a homeowners insurance policy, one of the decisions to be made is at what price point you want to set your deductible. The deductible is the amount you must pay personally BEFORE the insurance company steps in to cover the remainder of the loss amount. Essentially, you are self-insured up to the amount of your deductible.

When you file an insurance claim, either the insurance adjuster or a contractor, such as Champion Construction, will write a repair estimate. Let's say you had a $500 deductible, and the claim total was $5,000. The insurance company would issue a check for $4,500, with you personally owing the remaining $500. So, now you have a check for $4,500 and you want to know if the contractor can repair your home for that amount ONLY, saving you $500 hard-earned dollars. The short answer is "No", but let's take a step back into history for a moment.

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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:

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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.



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Georgia Winter Weather Awareness Week: December 6-10, 2010

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? Here are a few tips.

• Monitor radio/TV or NOAA Weather Radio.


• Stay inside. Long exposure to cold increases the risk of frostbite or hypothermia.


• If you must go out, dress in layers.


• Avoid overexertion. The strain from the cold may cause a heart attack and sweating could lead to a chill and hypothermia.


• Keep your gas tank at least half full.


• Drive with caution and carry a disaster supplies kit in your trunk.


• Have an alternative emergency heating source, such as a fireplace or wood stove. Use appropriate safeguards and have proper ventilation.


• Make sure your home is properly insulated.


• To keep pipes from freezing, wrap pipes in insulation or layers of old newspapers, cover the newspapers with plastic to keep out moisture, let faucets drip a little to avoid freezing, and know how to shut off water valves.

Disaster Preparedness Tips

For Families:

• Make sure your family has a plan in case of an emergency. Before an emergency happens, sit down together and decide how you will get in contact with each other, where you will go and what you will do in an emergency.


• Determine a neighborhood meeting place, a regional meeting place and an evacuation location.

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National Preparedness Month September 2010

 

This September is the seventh annual National Preparedness Month.  NPM 2010 will focus on changing perceptions about emergency preparedness and will help Americans understand what it truly means to be ready and how preparedness goes beyond fire alarms, smoke detectors, and extra food in the pantry.

Learn more about making a disaster supply kit, making a family emergency plan, staying informed and how you can get involved!

Champion Responds to Stockbridge Fire

 

    On August 14th, a fire ripped through a Stockbridge, GA home destroying almost everything in it's path. The fire was started by a lightning strike in the back of the house. Paul Samuelvich from Champion Construction Systems, Inc. was on the seen to board up the few windows and doors that remained.

How to Communicate With Your Insurance Company

The following is excellent advice from the organization United Policyholders. They are a consumer advocate group. This information is directly from their website www.unitedpolicyholders.com  I have highlighted some things that Champion has been telling customers for years.

Speak Up - How to communicate with your insurance company:

Effectively communicating with your insurance company is an incredibly important part of the claims process. Many insurance companies will try to handle your claim by telephone, with no records. You must make sure that everything in the claim gets documented in writing. How you communicate makes a world of difference in the amount of benefits you collect and how fast you collect them. We recommend that you:

1. Document every communication with your insurance company in a notebook or diary so you can keep track of the status of your claim.

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Know Your Water Damage Categories

Water damage is typically classified into one of the following three categories:

Category 1 Water - Refers to a source of water that does not pose substantial threat to humans and classified as "Clean Water". Examples are broken water supply lines, tub or sink overflows or appliance malfunctions that involves water supply lines.

Category 2 Water - Refers to a source of water that contains a significant degree of chemical, biological or physical contaminants and causes discomfort or sickness when exposed or even consumed. Known as "Grey Water".

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