Homeowners Insurance | Boizelle Insurance Partnership - Page 7

How Does A Named Storm Affect My Insurance?

If a hurricane is approaching, it’s typically too late to purchase a new insurance policy or make significant changes to your current one. Most insurers have a “hurricane warning” clause that prohibits new coverage or changes to existing policies once a storm is imminent.

However, you should review your current policy to ensure that you have adequate coverage. Call us at 301-948-2010 if you have any questions and we’ll be happy to help you!

Flood insurance has to be purchased as a separate policy. It is not included in a typical homeowners insurance policy. It is important to note that flood insurance policies have a 30-day mandatory waiting period before going into effect. This is due to the fact that flood insurance is federally regulated through FEMA’s National Flood Insurance Program.

Named storms can significantly impact your insurance coverages in several ways:

1. Properly Damage: If a named storm causes damage to your home, your homeowners insurance typically covers repairs, but you’ll need to check your policy for specific exclusions or limitations related to storm damage.
2. Hurricane Deductibles: Many insurers have a separate hurricane or named storm deductible. This amount is usually a percentage of your home’s insured value, meaning you may need to pay more out of pocket before your insurance kicks in.
3. Flood Insurance: Standard homeowners insurance does not cover damage from floods. If a named storm causes flooding, you’ll need a separate flood insurance policy. Many policies have a waiting period before coverage begins, so it’s wise to have this in place well in advance of storm season.
4. Loss of Use: If your home is uninhabitable due to storm damage, your policy may cover additional living expenses (ALE) for a certain period of time. Check your policy limits as well as the duration of the policy.
5. Coverage Limitations: Some insurance companies might impose stricter underwriting guidelines or limit coverage in areas frequently affected by storms, potentially impacting your ability to obtain or renew policies.
6. Claims Process: After a named storm, claims might increase significantly, which can lead to delays in processing. Be sure to document all damage thoroughly to facilitate your claim.

If you have any questions regarding how a named storm affects your insurance, don’t hesitate to give us a call. We’re happy to help!

What is a Peril On a Homeowners Insurance Policy?

When referring to homeowners insurance, a “peril” refers to a specific risk or cause of loss that is covered by the policy. Common perils include fire, theft, vandalism, and certain types of water damage. When you purchase homeowners insurance, you’re essentially paying for protection against certain perils that could cause damage to your home or your belongings.

Policies typically come in two main types:

1. Named Perils: This type of policy covers only the specific perils listed in the policy. For example, if your policy lists fire and theft but not earthquake, then damage from an earthquake would not be covered.
2. Open Perils (or All-Risk): This type of policy covers all perils except for those specifically excluded in the policy. So, if an open perils policy excludes earthquakes, damage from an earthquake would not be covered, but everything else would be.

What are examples of common covered perils on a homeowners insurance policy?

1. Fire and Smoke Damage: Coverage for damage caused by fires, including damage from smoke.
2. Windstorm and Hail: Protection against damage caused by high winds, tornadoes, hurricanes, and hail.
3. Theft: Coverage for loss or damage resulting from burglary or theft.
4. Vandalism: Protection against damage caused by vandalism or malicious mischief.
5. Water Damage: Often includes damage from burst pipes or accidental leaks, but typically excludes flooding (which usually requires a separate flood insurance policy).
6. Explosion: Coverage for damage caused by explosions, such as those involving gas lines or applances.
7. Falling Objects: Protection from damage caused by falling objects, like tree branches or debris.
8. Weight of Snow, Ice, or Sleet: Coverage for damage resulting from the accumulation of snow, ice, or sleet.
9. Civil Disturbance: Coverage for damage due to riots or civil commotion.
10. Damage from Aircraft or Vehicles: Protection against damage caused by aircraft or vehicles that accidentally hit your home.

It’s important to review your specific policy to understand which perils are covered and if there are any exclusions or limitations. Give us a call at 301-948-2010 and one of our experienced professionals will be happy to assist you!

What are examples of uncovered perils on a homeowners insurance policy?

While there a number or perils that are covered on your homeowners insurance policy, there are some perils that are excluded from coverage. Here are a few examples:

1. Floods: Most standard homeowners policies do not cover damage caused by flooding. For flood protection, separate flood insurance through the National Flood Insurance Program (NFIP) or a private insurer is usually required.
2. Earthquakes: Damage from earthquakes is generally not covered under standard homeowners insurance policies. Earthquake coverage can be purchased separately as an add-on or through a specialized policy.
3. Wear and Tear: Homeowners insurance does not cover damage resulting from regular wear and tear, lack of maintenance, or gradual deterioration. For example, damage from old, leaking pipes due to neglect would not be covered.
4. Pests and Vermin: Damage caused by pests like termites, rodents, or insects is typically not covered. Preventative measures and treatments are generally considered the homeowner’s responsibility.
5. High-Value Items: Standard policies often have coverage limits for valuable items such as jewelry, art, or collectibles. You may need to purchase additional coverage or endorsements to fully protect these items.
6. Sewer Backup: Damage from sewer or drain backups is not usually included in a standard policy. However, you can add this coverage as an endorsement.
7. Intentional Damage: Damage caused intentionally by the homeowner or someone living in the home is not covered. This includes vandalism or intentional destruction or property.
8. Business Activities: If you run a business from your home, standard homeowners insurance might not cover related damages or liabilities. You might need a separate business insurance policy or a home-based business endorsement.
9. Neglect or Poor Maintenance: Damage that occurs due to neglect or failure to properly maintain the home is typically not covered. For instance, if a roof leaks because it was not repaired in a timely manner, the resulting damage may not be covered.
10. Government Action: Damage resulting from government action, such as the demolition of property or confiscation, is usually excluded from coverage.

It’s important to read the details of your homeowners insurance policy. Call us at 301-948-2010 with any questions you may have regarding coverages or exclusions. We’ll be happy to assist you!

How Do I Protect My Home While I’m On Vacation?

Protecting your home while you’re on vacation is crucial to ensure everything stays safe and secure. Here are some effective steps you can take:

1. Notify a trusted Neighbor or Friend: Let someone you trust know you’ll be away. They can keep an eye on your property, collect your mail, and help with any emergencies.
2. Use Timers for Lights: Set up timers to turn your lights on and off at different times to create the illusion that someone is home. Smart lights or plugs that can be controlled remotely are also a good option.
3. Secure All Entry Points: Double-check that all doors and windows are locked. Consider adding security bars or upgrading to more secure locks if necessary.
4. Install a Security System: If you have a security system, make sure it’s activated. Many systems now come with mobile aps that allow you to monitor your home remotely.
5. Don’t Broadcast Your Absence: Avoid posting your vacation plans on social media until you return. Publicly announcing that you’re away can make your home a target.
6. Use Surveillance Cameras: If possible, set up security cameras around your property. Many systems offer real-time monitoring and alerts.
7. Keep Up Appearances: Arrange for lawn care or snow removal to keep your home looking occupied. An overgrown lawn or piled-up snow can be a red flag that no one is home.
8. Hold Your Mail: Contact your postal service to hold your mail or have a neighbor pick it up. A full mailbox can signal that you’re not home.
9. Secure Valuables: Store valuable items in a safe or secure location. If you have a safe, make sure it’s bolted down or hidden.
10. Use Smart Technology: Smart locks, doorbell cameras, and other smart home devices can provide extra security and allow you to monitor your home from afar.
11. Check Your Insurance: Call us to speak with one of our licensed insurance professionals to review your homeowners insurance policy to make sure everything is up-to-date and covers any potential issues while you’re away.

Taking these steps can help give you the peace of mind your needs so that you can relax and enjoy your vacation, knowing that your home is well-protected.

Ladder Safety Tips: How to Choose the Right Ladder For You

Ladder safety is crucial to prevent falls and injuries. Here are some essential tips to keep in mind:

1. Choose the Right Ladder: Ensure the ladder is appropriate for the job and is in good condition. Check the weight rating and choose a ladder that can support both your weight and any tools or materials you might be carrying.
2. Inspect Before Use: Before using, inspect the ladder for any damage, such as cracks, bent rungs, or broken locks. Make sure it’s clean and free of any slippery substances.
3. Set Up Properly: Place the ladder on a stable, level surface. If you’re using an extension ladder, make sure the base is positioned at a 4:1 ratio (one foot out for every four feet up).
4. Secure the Ladder: For extension ladders, ensure the ladder is secured at the top if possible. For step ladders, lock the spreaders to prevent the ladder from collapsing.
5. Maintain Three Points of Contact: Always keep three points of contact with the ladder—two hands and one foot or two feet and one hand—when climbing or working.
6. Don’t Overreach: Keep your body centered on the ladder and avoid overreaching. If you need to extend your reach, move the ladder rather than leaning out.
7. Avoid Using Ladders in Bad Weather: Avoid using ladders during windy or rainy conditions, as they can make the ladder slippery and unstable.
8. Don’t Use Ladders as Scaffolding: Avoid placing ladders on unstable surfaces or using them inappropriately, like on top of tables or other unstable surfaces.
9. Wear Proper Footwear: Wear non-slip shoes to prevent slipping off the ladder.
10. Never Lean the Ladder Against a Surface That Can Move: Ensure that the ladder is placed against a solid and immovable surface.

How Do I Choose the Right Ladder For Me?

Choosing the right ladder involves considering several factors to ensure safety, efficiency, and suitability for the task. Here’s a guide to help you make the right choice:

1. Determine the Task

• Type of Work: Identify the type of work you’ll be doing. Different tasks (e.g., painting, cleaning gutters, changing light bulbs) may require different types of ladders.

2. Choose the Ladder Type

• Step Ladder: Ideal for tasks that require stability on flat surfaces, like painting or reaching high shelves. They’re self-supporting and usually have a platform at the top for standing.
• Extension Ladder: Good for reaching higher areas, such as roofs or second-story windows. They’re adjustable in height and need to be leaned against a stable surface.
• Multi-Position Ladder: Versatile and adjustable, it can be used as a step ladder, extension ladder, or even as scaffolding.
• Telescoping Ladder: Compact and portable, it extends to various heights and is great for storage in tight spaces.
• Platform Ladder: Provides a large standing area and is suitable for extended work periods.

3. Consider Material

• Aluminum: Lightweight and resistant to rust. Ideal for most tasks but can be less stable on uneven surfaces.
• Fiberglass: Heavier but more durable and safer for electrical work because it doesn’t conduct electricity. It’s also more stable and suitable for rugged environments.
• Wood: Traditional but less commonly used due to potential for decay and instability. It’s usually only recommended for specific situations.

4. Select the Right Size

• Height: Choose a ladder that reaches the height you need without overreaching. Consider both the working height and the height of the ladder itself.
• Length: Ensure the ladder is long enough to comfortably reach the area you’re working on. For extension ladders, ensure you have a safe 3-foot overlap on each rung.

5. Check the Load Capacity

• Weight Rating: Ladders come with weight ratings based on their intended use. Ensure the ladder’s load capacity (including your weight and any tools or materials) matches your needs. Common classification include Type I (250 lbs), Type IA (300 lbs), and Type IAA (375 lbs).

6. Assess Safety Features

• Stabilizers: Look for ladders with stabilizers or anti-slip feet to increase stability.
• Locking Mechanisms: Ensure the ladder has reliable locks, especially for extension and multi-position ladders, to prevent accidental collapse.

7. Check for Certifications

• Standards: Ensure the ladder complies with relevant safety standards (e.g. ANSI, OSHA). Certification indicates that the ladder meets safety and performance requirements.

8. Consider Portability and Storage

• Weight: Lighter ladders are easier to transport but may be less stable. Balance the need for portability and stability.
• Storage Space: If storage space is limited, consider a ladder that folds or telescopes to save space.