Archive for the ‘home repair’ Tag

Ten Tips for Preventing a Disaster   Leave a comment

Insurance Dog

The Insurance Dogger has been keeping an eye on things in my absence!

Good afternoon!  Long time no write!

Sorry I’ve been so busy – working on quotes and assisting clients with claims has eaten up vast amounts of time in my calendar!

Just a quick list of things you can easily do to prevent a disaster from occurring in your home.

If you think there’s something I missed, feel free to email your idea to me:  scott@poleskyagency.com

1 – Turn off your water supply at the main valve into the house before leaving for vacation.

2 – Always use metal water supply lines for all fixtures, especially heavy water users like your dishwasher or wash machine – plastic lines corrode far too quickly and can be pinched or severed accidentally.  You can either use actual copper lines, or the metal-coated flex lines.

3 – Have your sump pump tested annually, preferably before the spring rainy season arrives.  If you don’t know how to do it, contact a local plumber to assist you.

4 – Check your foundation walls for cracks every six months, especially looking for cracks that run across the face of the blocks.  Cracks that follow the mortar/joints between blocks could be a sign of ordinary settling, whereas cracks across the blocks themselves could be an indication of pressure or other damage that should be closely monitored.  If you do see a crack developing, cover it with a small amount of caulk, joint compound or spackle, and check every few weeks to see how quickly the crack is spreading.  If it’s spreading quickly, or if it’s more than 1/4″ wide, contact a licensed foundation repair contractor immediately.

5 – Trim trees annually, especially those near the house.  Make sure to remove all dead branches, and to “balance” the tree as much as possible so it’s not producing branches primarily on one side of the tree.  Similarly, trim back all shrubs and other landscaping so it is at least a foot from the exterior walls of the house to prevent infestation by ants, termites, and other insects.

6 – Place splash pans or catch basins under your washer and hot water heater to catch leaks.  Make sure the pan drains to a nearby floor drain.

7 – Inspect your foundation walls annually for termite tunnels (which often look like small mud tunnels on the block).

8 – Add long down spout extensions to the end of your gutters to direct rain water away from the foundation of the house – a one inch rain fall drops approximately 650 gallons of water on an average roof!

9 – Install surge protectors on all of your electronics and, when possible, appliances.

10 – Test the batteries in all smoke detectors at least once per year, and keep at least one ABC rated fire extinguisher on each floor of the house and an additional ABC fire extinguisher in the kitchen.  Replace them as indicated, or after any use.

Bonus tip – be sure to have your furnace/boiler cleaned and inspected on an annual basis before cold weather hits – preferably in the summer so if something comes up, you are not paying “emergency” or “rush” fees to your repairman!

Oh, and Happy Flag Day!

american-flag-2a

Before you have work done on your home….   Leave a comment

Might be time to call in a repair man!

Might be time to call in a repair man!

Good morning!  Today we have a very simple recommendation for you to consider before having a contractor come to do work on your home.

Before you have a contractor (any type of contractor) come in to your home to work, you should have them provide you with a current certificate of insurance.  A certificate (example below) will reflect the liability coverages that the contractor is carrying.  Liability coverages pay for injury or damages suffered by another – like yourself – for which the contractor is responsible (liable).  Thus, you will want confirmation that your contractor has the appropriate coverage in place!

What is the appropriate coverage, you ask?  Well, there are a few things to look for on the certificate:

  • General Liabilitythis is a catch-all for many types of injuries and damages.  It covers a broad range of incidents, such as someone (including you!) being injured at your home as a result of the contractor’s work, or the damage that’s done to your home if the contractor does the repairs improperly (important note – it does not cover the correction of the original mistake, but it DOES cover the damage that’s done as a result of the mistake.  The contractor is on the hook to pay for the correction).  Pennsylvania law only requires a contractor to carry $50,000 in coverage, but most good agents will not write a GL policy for less than $300,000 in coverage.
  • Voluntary Property Damagethis is a critical coverage for ALL contractors to carry, and it is OFTEN MISSED by both agents and contractors.  Basically, VPD will pay for damage that results from the contractor taking any of your household items into their “possession” – for example, carrying your TV across the room to do work behind it, and the TV is dropped.  This type of incident is NOT covered under general liability; thus the contractor without it would have to pay this claim out of his own pocket!
  • Workers Compensation – this provides protection for the employees of the contractor if they are injured while working.  Why is this coverage important to you?  If an employee is injured while working at your home, and the contractor doesn’t carry WC coverage, YOU could be on the hook to pay for the employee’s lost wages and medical expenses!  The most common scenario is that the contractor would be required to pay these expenses, but if he does not have the means to do so, they will most likely pursue you next.  Even if you aren’t found to be liable, you will have a claim against your homeowners policy to pay your defense expenses.
  • Generation and policy effective datesWhile reviewing the certificate, be certain to review two items of particular importance – the date the certificate was generated, and the policy effective dates!  Make sure, of course, that the policy is within its effective dates and is not expired.  And make sure the date that the certificate was generated (at the top right hand corner of the certificate) is relatively recent (within the past week or two).  Less scrupulous contractors have been known to pass off older certificates, being fully aware that their coverage has cancelled (due to non-payment, for example).

I hope that this information is helpful to you in protecting your home and your claims record!  Be cautious, and if you have questions after receiving a contractor’s certificate – ask your agent to review it with you!  Until next time, I bid you a fond adieu!

ACORD certificate

Example copy of the most common form of a certificate of insurance

 

 

 

 

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