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.

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Be Prepared for Hailstorms

Hailstorms are frequent occurrences across the U.S. Most hailstorms occur during either the spring or fall months, are very localized events, and don't cause extensive property damage. However, occasionally hailstones can reach about 1.5 inches in diameter. When this occurs, they can cause significant property damage to cars, windows and siding. When hailstones reach three inches in diameter, they can cause major roof damage.

How to Stay Safe

• Listen to weather updates about hail activity.


• Seek shelter immediately if you are caught outdoors - preferably not under a tree.


• Close drapes, blinds or window shades for protection

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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.

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What You Learn By Sitting By Brett...

Working in a common office with several cubicles is a rich pasture ground for any companies greatest resource: people. I sit next to Brett. Y'all may know Brett, but I'm the only one who sits next to his least favored left. Larry is down the hall to his right, and it's a very appropriate yelling distance. Anyway, sitting next to Brett these last 10 years, uh months, has provided opportunity for:
1) Introspection
2) Reevaluation
3) An occasional funny smell
Among other life shaping things learned:
a) Each and every phone conversation must start with "Hey" (This is southern posturing)
b) It's OK to tell your computer "I hate you" but only several times a day.
c) Xactimate has only 2 syllables (who knew?)
d) It's best if Larry locks his office door before going on vacation
e) If Itel samples are kept long enough, eventually another job will have the same floor covering
f) If he asks you if you've seen the pictures from one of his basement sewage mitigations...you might want to decline
g) All on call schedules are written in stone until the next revision
h) Never go an entire day without at least 1 "Dumb and Dumber" reference

All of this notwithstanding...he may have the most demanding job in this company-responding to emergency 24/7, and doing so in such a way homeowners still want us to do the reconstruction work. I get to follow up Brett and his crew and see the positive results when they help people out of a distressful situation. Maybe his personality makes him perfect for his job.

Actually I wondered how many acronyms on could get from the word B R E T T. Then I remembered I have to blog next month...let me get back to you with that.

Keith Barnhart - Estimator

What Should I Do If My Pipes Are Frozen?

The weatherman has warned you that a cold front is barreling its way into your local area. You go to sleep the night before with extra covers on the bed and the thermal blanket set to "high". When you awake in the morning, it takes all of your determination to crawl from between the warm covers to start your day. As you step to the sink and turn the faucet on, nothing happens. Oh no! You forgot to leave the water trickling over night. Obviously, water has frozen in the pipes. Thankfully, you look around everywhere in the house and you see no evidence of a water leak. You may assume that the only tragedy is that you'll have to go to work without a shower, but think again.

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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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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

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 Your Home Is Vandalized

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

DO:

• Report the damage to the police as soon as possible. They will need to collect evidence and take photographs.



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