|Posted on January 25, 2019 at 5:15 PM|
Tips on How to Recover and Survive and Disaster!
Step one is you need to take action!
Be aware of what could possibly happen around you, like if you live by the ocean get educated on flooding, if you live in a forest be aware of the risk of forest fire.
Sometimes you have to abandon your home for an extended period of time and you need to be aware of that fact and prepared to do so.
Have a support network.
Make sure you know what everyone in your household is capable of doing, and not doing; for example someone with bad asthma might not be able to run to a car parked 2500 feet away during a forest fire that's belching out smoke.
Know what you're going to do with your pets.
Know the stuff you own!
Take videos of every room in your house; discussing every important item in there with where you purchased it and approximately what you paid for it etc.
Have a list written out to go with your video.
Keep receipts for your items and keep information that go along with them like serial numbers, warranty's etc.
Keep all of the above in a safe place, like the could or a safe deposit box.
Update your list and video every so often.
Talk to the family about possible disaster scenarios that could occur in your area.
Include your neighbors in your support network, especially vulnerable populations like the elderly, neighbor kids or disabled neighbors.
Tell everyone in your support network exactly what you require and expect of them in various emergency situations.
Get help wherever and whenever you can; don't be shy about asking for it either.
After a serious event occurs in your life, make sure to re-adjust your support network.
|Posted on January 10, 2019 at 4:00 PM|
Water damage is the second most common home insurance claim in the United States with an average of 1 in 50 homes filing some sort of freeze
or water damage a year. The cost of these claims on average is just under $10,000 and the time it takes for a company to come and completely
dry out your home approximates to 3.5 days. The costs financially, and to ones time, of water claims is so great that taking a little effort to mitigate
these types of risks are well worth it. These mitigation activates include:
Checking your water bill for any abnormal spikes in use, replacing the hoses on your appliances every so often, get an annual inspection on your
water heater, especially if it's an older one, know where your main shut-off valve is to your home's water supply in case of an emergency, clean
your gutters so water doesn't back-up and drain into your home's foundation, and lastly, if you have a sump pump, test it at least once a year.
There are many ways to spend your money on gadgets nowadays, and this incudes water monitoring systems that reduce the risk of a water claim
on your home. The two I'll mention here are Smart Valves that shut the water off if they detect any bizarre water usage, and Wireless Leak
Sensors that can tell your smartphone or tablet if they detect any moisture in their area(s) of monitoring.
|Posted on June 27, 2017 at 9:45 AM|
Tom Traub and Kevin Moynihan: Posted on Tuesday, May 02, 2017 5:05 PM
What you think you know about distracted driving
Have you ever texted, talked, fooled around with the radio, or turned to chat with those around you while driving? Should that be the case, you could be exposing yourself, your travel mates, and others using the road to possible harm. The NHTSA says distracted driving was reported in 3,179 accidents that killed people in 2014. These deaths made up for 10% of the total traffic fatalities that year.
From all of these hazards, cellphones and text messaging were the most cited cause of accidents. However, other typical habits, such as using SAT-NAV, drinking and eating, navigating from a map, personal grooming, or even having a conversation from the hands-free system included with your car can be dangerous, too.
Besides the above mentioned hazards to avoid, another couple of things to keep in mind are:
Don’t take notes when you’re driving, even using a voice recorder can be dangerous.
Know where you’re going; Take a look at where you’re headed to on a map before heading out, and if you have a SAT-NAV, don’t program the thing with your destination while you’re driving, do it before you start moving down the road. Also, use the audio features of the SAT-NAV so you don’t have to look at the screen to figure out where to turn next.
Everyone needs to follow these rules and no one more so than teenagers. Car crashes are the primary cause of death for 15 – 20 year olds. Talk to your teens about driving safely, which means practicing good habits, and most importantly being a good role model.
Should you have any questions or concerns let us know and be safe!!
The Insurance House, Inc.