Paul davis
5 Common Holiday-Related Fire Hazards to Avoid
To help you stay safe and enjoy seasonal delights, below are five common holiday hazards and tips on how to prevent home fires associated with each. 1. Christmas Tree Safety Why are Christmas trees such a hazard in the home? If Christmas trees are dry and brittle or artificial and flammable, it increases the potential …
4 Ways to Prevent Internal Property Water Leaks
Plumbing that leaks over time, can be costly and aren’t covered by your home insurance. You should check your plumbing every once in a while to make sure a leak isn’t happening right under your nose. If the insurance adjuster sees that you didn’t do preventive maintenance to your property, your water claim might not …
When Does My Standard Homeowners Insurance Cover Water Damage?
A standard homeowners insurance policy (aka HO3) will cover water damage to the home or personal property within the home only if it’s determined that the cause was sudden and came from inside the house. Certain weather-related perils that cause water damage may also be covered in a standard policy. Unless you have an open-peril …
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What is an HO3 Homeowners Insurance policy?
An HO3 policy is a basic homeowner’s insurance policy. It’s basically just a contract between you and your insurer. You agree to pay a monthly fee, called a premium, and in return, they cover you and your property when things go wrong. Well, to some extent they do!! What is usually covered in an HO3 …
How to Winterize Your Property in 8 Do-it-Yourself Steps
When cold weather arrives and the temperature drops below freezing, you need to have your home prepared the right way to avoid expensive water damage. Part of that preparation involves winterizing your home’s plumbing system and minimizing the amount of cold air that can come into your property. Expert Restoration recommends 8 important tasks to …
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9 Tips for Dealing With Property Smoke Damage
When a fire hits, there is not always much you can do. Smoke and fire can cause extensive damage to your property. A small fire can create massive amounts of smoke within a structure and depending on what is burned in the fire, poisonous gases can be released via the smoke. The smoke can be …
6 Steps to Follow: From Water Damage to Insurance Payout
Coming home to a kitchen full of standing water or a basement with a pipe gushing water is scary but don’t worry, If it happens to you it’s something you can totally have control over. In this article, we walk you through the SIX steps you’ll experience in filing a water damage claim Here is …
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Disputing a Property Insurance Claim Denial or Payout
Did you know that according to the Insurance Information Institute, one out of every 15 homeowners who have home insurance file a claim each year? Many of us think that just because we have had our homeowner’s insurance coverage forever and paid our premiums that we are covered when a claim needs to be filed. …
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