The past few months have been devastating for much of the country due to Hurricanes Florence and Michael causing a catastrophic amount of damage, especially in the southeast. There have been homes destroyed, businesses closed, and families displaced around the region. The south is known for its big, beautiful trees that line the parks, streets, and neighborhoods. But did you know that most homeowner’s policies only cover trees that hit a covered structure? There’s also a limit to how much insurance will pay to remove the tree debris, once the tree has hit the ground. While most of us worry about having adequate insurance coverage for our homes and cars, how often do we think about trees? If your home or property is surrounded by trees, keep reading!
Many businesses rely on third parties for parts and supplies that go into their finished products; these third-party firms are part of the primary companies supply chain. This is especially true of manufacturers. Any disruption in a firm’s supply chain could have a negative impact on that company’s output and lead to lost income. To address the risk of lost income in this type of scenario, insured’s can purchase business income from dependent properties coverage. This article will describe what business income from dependent properties coverage is and how it works.
According to the National Safety Council, more than 400 Americans die from unintentional carbon monoxide poisoning each year. Carbon monoxide is called the silent killer because it’s odorless, colorless, tasteless, and can easily go undetected. When the cold temperatures start to hit, what’s the first thing we do? We turn on our furnaces to heat our home and tightly seal our windows. If your furnace is emitting poisonous gases, you are trapping them in your house. Here are a few things you do to help prevent this silent and deadly killer.
Most – if not all – homeowner insurance policies in the marketplace contain limitations or exclusions in them for fungi, wet or dry rot, and bacteria. On the surface this might not seem like a big deal; however, should a slow water leak in your home lead to mold that isn’t detected for quite some time, this can be a real concern.
Halloween is one of my favorite holidays. Passing out candy, dressing up, and watching scary movies – I love it all. But Halloween is also a very busy time of year for insurance companies, agents, and claims representatives. Let’s “creep it real” and look at some fun facts about the Halloween season!
Parents, do you break out in a cold sweat when you see your child surfing the internet? Do you worry about what sites they’re visiting or who’s interacting with them? Is your teen or tween’s smartphone use a cause for concern?