Has your home been burglarized? Or, have you experienced a water claim?

Happy New Year to the faithful readers of this blog! Can we still say that!? It’s amazing how fast January has come and gone. We hope you survived the holidays and the time you spent with your family and loved ones.  What a GREAT holiday season it was, but now it’s time to get back to reality, and that’s where this blog comes in.

I am constantly amazed how many homeowners claims we get from the peril of BURGLARY!  These claims are always upsetting to the client, because they feel violated and most assuredly, they lost some very valuable and sometimes, impossible to replace memorabilia from the family or even a favorite team!  I know if I ever lost my signed Barry Bonds jersey, I would be devastated.  So stop for just a few seconds and think about what you and your family might do to prevent your family from suffering this type of devastating loss.

1) Do you have an alarm system??

2) If you have an alarm system, DO YOU USE IT EVERY DAY AND EVERY NIGHT?

3) You would be shocked to know some people don’t even lock their inside the garage door that leads into the house!  All a bad guy has to do is cruise down your street pushing a bunch of garage door openers till he finds yours!  Once inside, he can calmly shut the garage door down, and literally WALK thru your unlocked door!    Worse yet, he can park his van INSIDE your garage, and he can take his sweet time loading up your valuables!

4) Are bushes and trees trimmed around front door and windows?

5) Are you leaving lights on inside when you leave, and maybe leave a light or a TV or radio on to indicate you are home??

These are just a few simple tips on how YOU can prevent one of the saddest types of claims our office sees.

We are also continuing to see an extraordinary amount of water claims, from inside causes and outside elements. Did you know you can buy devices that detect water where it’s not wanted in your home?  Many water sensors are inexpensive battery powered devices you can place on sump pumps and other models to put on floors near plumbing that could leak.  You don’t need any tools and it’s usually a very simple installation.  Unit alarms sound when they detect water, it’s that simple.  Alarm transmitters need to be placed where they will be heard if they activate.  But…you have to be diligent and check batteries often, just like you do for your smoke detectors and any other safety type things we commonly use. There are more sophisticated water sensor systems that automatically shut off the water supply to the entire house.  For some, plumbers must install the special valves and electricians must wire the sensors, so you are investing quite a bit of money should you decide to go that way. For those apartment dwellers, your residence may be a perfect candidate for a water sending system. We suggest you talk to your local plumbing supply or hardware store about these systems.  Even the cheapest system can save your deductible and an expensive homeowners claim.

Speaking of water… we hope that you all stayed dry during the floods this year. As a friendly reminder, flood and earthquake are not covered under your typical home policies. If you’re interested in looking into these coverage’s, please let us know.

Thanks for reading, and we always appreciate your loyalty and your business.