Why homeowners file insurance claims? The answer to this question is obvious;
a kind of loss. Know what the main property
Owners claims listed and their insurance companies? After c 2005 Fact Book
The answer is fire and lightning accounts for 32.42% loss of all credits. Second
The main reason for compensation claims, with 22.8% in the third water, followed by Wind
Damage, with 21.74% and, finally, theft with 4.54% (these figures arebased on 5 years
Average 1999 to 2003). What does this mean? This means that statistically
Talk to your neighbors have less anxiety that you thought you did.
Knowledge is power, you now have the power to your home from this protection
Causes of damage to the house. But how?
A disturbing thought is that we are at the mercy of the wrath of nature. "Of course you can
Install a lightning rod for your house to protect against lightning, but what
Theyprotection against the big ole tree next to our house, which has only added
caused by lightning and is now not only fire but also come to your house. Cut the
Tree to make a house made of asbestos and to open a jar full of other worms
or did you just try as best you can be prepared for disaster? Preparations
Disaster sounds like the best option for me.
How do I prepare for the big disaster? Would begin to take care of obvious
Holes in your homesSafety net. For example, if you do not have a lightning ground
Rod installed on your house to do it, especially if you live in a high risk area "that is, a
Area where there is frequent thunderstorms. Make sure when you fight
a hole in the network, we have the right to cancel the first time or you will learn the
Lesson, my grandmother ingrained in me, "the person who writhes lazy to work twice
difficult. "After patching the holes evident in his timein support of the less tangible
what I believe is the little things, to pay off big dividends for your
Future research. Or as an inventory of all assets is the ideal
start. If the unthinkable happens in the directory you will find a record of who
everything was, and what is your inventory is merely a tool to get
because while the process of claims.
The first is that your insuranceYou ask, is compiling a list of all
lost or damaged. No problem for you because you have your home inventory!
But what is this wonderful magic tool? A home inventory is simply a list of all
Their possessions, including photos and details such as make, model, serial number, all
assembled in an orderly and organized for rapid deployment. Imagine
Process applications without them, with this list, create, after the house was burned
down. MightI remember everything? Want even in the law of the State
His mind is able to do so? Do not wait, if they have not done so to act now, following
too late.
Another smart move would be to examine what disasters are in fact covered by
Your insurance coverage. Listed below a list of most frequently by the majority of disasters that under
Insurance (from the Insurance Information Institute's website).http://
http://www.iii.org/individuals/homei/hbasics/whattype/
What type of disasters are covered?
Hazards
1. Fire or lightning
2. Storm and hail
3. Explosion
4. Riot
5. Damage caused by aircraft
6. Damage caused by vehicles
7. Smoke
8. Acts of vandalism or malicious harm
9. Theft
10. Volcanic eruption
The following circumstances are not covered by the cash!
11. Falling Goals
t
12. Weightice, snow or sleet
13. Accidental discharge or overflow of water or steam from a plumbing,
Heating, air conditioning or automatic fire protection sprinkler, or a
Home Appliance Industry.
14. Sudden and accidental tearing, cracking, burning, or bulging of a steam or
Hot water heating, air conditioning or automatic fire protection system.
15. Freezing of a plumbing, heating, air conditioning or automatic fire
Sprinkler, or an appliance.
16. Sudden and accidental damage from artificially generated electrical current
(does not include the loss of a tube, transistor or similar electronic components)
Most of the measures concern only the first ten points in this list, the rest are extra's. Next
List contains items that are not covered by most national policies.
Disasters not covered
1. Flood?
You can purchase flood coverage directly from yourHomeowners insurance agent.
However, the policy of the Federal Flood Insurance Program is expected
(800-427-4661, http://www.fema. Gov / NFIP). Can the replacement cost
Coverage for the structure of your house, but only the actual cash value coverage is
for your property. It may also be limits of coverage for mobile
and other goods stored in the basement. Flood Insurance is
Tenants and homeowners. You will needFlood insurance if you live in one --
areas designated flood zones. But also to buy if you like your home is flooded with
melting snow, an overflowing creek or water running down a steep hill. Do not wait
until the evening news announces a season full of alarm for the purchase of a policy. There is a
30 days waiting period before coverage takes effect.?
2. Earthquake?
Earthquake coverage is a separate policy or a confirmation of your
Owners or renters policy. Itinsurance companies more. In
California is also the California Earthquake Authority
([Http: / / www.cea. Governor]). In earthquake-prone states like California, is the policy
with a high deductible.?
3. Damage maintenance?
And 'your responsibility to take reasonable precautions to protect your home
Damage. Your insurance does not cover damage due to lack of maintenance,
Mold, infestation of termites andInfestation by other pests.
Given the recent disaster, it might be a good idea to find in the Flood Insurance
Cover. You can find out if you live in an area full of local contact
Contacted the authorities for the information, if you're not sure. Here you can find their phone
figures shown in the blue pages of your local phone book.
Finally, use your imagination, how to protect and make yourself at home
Disaster proof. There are countless otherThings to do in spite of factors
not control it. Just use your head and find the holes. You're thinking, you
Their houses first and last line of defense if you do not take care of your home,
is? Be active, so you can be ready for the worst situations. Well
Fortuna and secure!
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