January 11, 2017
Tips and ideas on insurance for your home
Would you believe it. Looking through my newspaper this morning I came across the following snippet: Los Angeles: A family were left counting the cost of their choice of Christmas tree decorations after a blaze that caused $2.3 million in damages to their home, fire officials said on Tuesday. Officials said that the fire in the luxury residence in Newport Beach, south of Los Angeles, was caused when candles on a Christmas tree ignited branches, gutting the house. AFP I wonder if they were covered. Some other situations we might look at today are personal liability and pets. If a visitor to your home trips over a doormat or maybe slips on the stairs you could find yourself facing a lawsuit for the resulting injuries. Not only medical expenses but loss pf income due to being off work whist recuperatiing. Absoltely anything that happens on your property is your responsibilty and you should be covered accordingly.
Some dogs and cats can be pretty unfriendly to strangers so check if you’re covered if your animal decides to take a bite out of your visitor! You might also like to check if your homeowners insurance covers you for any misdemeanours your animal commits away from your property. Oh! The joys of owning your own home! See you later.
After hearing of my pal’s disaster I sat down in a quiet corner and tried to write down all the things I could think of which I would need to insure. Some of the things I came up with were: 1. The actual house. apartment or whatever. One of the things we have to cover is fire and however that may be caused. Was it a carelessly left cigarette, a pan of fat left heating and forgotten in the kitchen, an electrical fault, lightning or even some malicious action by a third party. There’s also the effects of smoke whicjh can be caused by quite a small fire but which can be very costly if you have replace furnishings and decorations. I read in a newspaper recently of someone whose computer was left on all the time and for some reason or other caught fire.
Whilst only the computer and part of a desk were destroyed, the door of the home office was open and there was extensive smoke damage throughout the whole house. The resulting bill to put things right was in the thousands of dollars. 2. Flooding is another obvious concern if you happen to live in a flood prone area. But what if there’s absolutely no chance of flooding where you live? Do you live in an area where you have freezing winters. What if your plumbing suddenly bursts and you are not around or someone accidentally leaves water running somewhere in your home Are these situations covered in your Home Insurance?
3. Theft and vandalism. These days there are more and more property thefts and these should be included in your cover.
Is there a problem with your cover if a door was left unlocked at the time. What happens if the theives don’t take much but vandalise your home – is the resulting damage inclkuded. And what if it is just a simple case of third party vandalism. I know all the points above are very basic and will probably be included in a basic policy but it doresn’t cost you anything clear these with your insurer and give yourself peace of mind. We’ll look some more ideas later.
The purpose of this blog is to look at insurance for homeowners and to give the best possible tips and advice. There are so many things to look at in this field and in the future i will endeavour to cover all the important aspects and also the things we may consider not so important. I know when I was looking at my own insurance I thought initially I had everything covered but later found there were quite a few holes in my “coverage”. A long time ago when I was looking at this for my own home, was to keep putting it off as something I could do later. I expect we all go through this syndrome thinking ‘it will never happen to me’ and fortunately in my case, it didn’t. Then my pal at work had quite a serious fire at home, caused by an electrical fault, and the cost of repairs etc was huge. That’s when I got off my backside and started to look into my own insurance requirments. Insurance is really a funny animal because you can go for years and years without making any claim which gets you to thinking how much you’ve spent over the years and for what! But this is the nature of the beast. I’ve now changed my mind! Call Your San Antonio Insurance Agency today.
Contact us @ http://edcuellar.com/homeowners-insurance-free-home-insurance-quotes
December 4, 2016
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Rodent and pest control in San Antonio Texas has become a major problem for certain local homeowners. To thoroughly understand the best way to control pests in Texas, it is crucial to conduct a bit of research. The best pest control in Texas consists of many different strategies and tips that demand prior research. contact us
Having mice in the house is much different from having larger rodents such as squirrels and rats. Many times, to catch a mouse, a homeowner can set out multiple traps. Typically, these traps will effectively catch the mice. If the owner is still having difficulty exterminating or excluding the pests, then he or she should consider changing the trap’s bait to something such as peanut butter, bacon bits, crackers or hot dog slices. Normally, the traps are affordable. On average, they can range from $10.00 to $20.00, depending on the quality and extra materials used.
While mice are somewhat easy to catch, rats can be difficult rodents to trap and exterminate. Unlike mice, they are feisty and powerful. These rodents can chew through harder materials such as electrical wiring. Because of this, they can cause significant damage to homes, potentially causing fire and other safety hazards. Additionally, much like mice, rats can squeeze into places much smaller than their body size. They have flexible bones that can cave when fitting into restricting spaces such as under doors, through small holes, and between partially opened windows. This allows them to get into places that are hard for the homeowner to locate and access. This makes hiring a professional exterminator necessary in many cases.
While placing poisonous traps throughout the house is an option for capturing rodents, it would be best for an owner to call a professional exterminator to get rid of all of the dead bodies. While rat traps can be slightly more expensive than mouse traps, they still range from approximately $15.00 to $25.00. Furthermore, it is important to consult an exterminator to reassure that a problem with the same rodents does not recur. Even if the poison is effective in killing the rats, the homeowner will still have to dispose of all of the dead bodies found throughout the house. This can be problematic because fleas, mites and ticks will abandon the dead corpse and search for a new living prey. Finding a trustworthy and competent exterminator is crucial to effectively kill pests in Texas. Potential customers should not hesitate to call an exterminator and discuss exterminating methods as well as pricing before the procedure takes place. Contact us today for all your pest and rodent control needs.
December 4, 2016
Are you having difficulties with your central air conditioner? Qualified air conditioning experts normally handle repairs of conditioning systems. But, there are some easy repairs and maintenance that you can do yourself.Contact us
Standard air conditioner repair costs can differ from a handful of hundred dollars, to properly into the thousands, depending on what has to be completed, and the sort of air conditioning unit you have. The more complex the method, the more costs that are going to incur. One particular of the factors you must think about ahead of repairing your unit is whether or not or not it might be a better idea to just replace the unit with a brand new more effective model. If you are continuously having trouble with your unit, it might be time to replace the whole factor. With all the tax credits that are obtainable to aid you get a newer, more effective unit, now may well be the time to do this.
Simple central air conditioner repairs can frequently be performed effectively by following the above measures. If the homeowner is in a position to diagnose the standard difficulties pointed out above, she’s spared herself an HVAC service get in touch with and saved a small income. And even if this approach resulted in hiring a expert AC repair company, the tests performed will shorten the amount of time it takes the pro to diagnose and repair the air conditioning method — once again saving income.
Let’s face it, outdoor central air conditioning condensers are ugly and it seems that property owners will do their very best to hide them from sight. Plants, fences and trellises tend to be well-liked techniques to go about doing this cover-up.
The very best way to maintain your method in leading operating order is with annual maintenance from AC Repair Pros Houston Tx. And even though we can not assure repair-totally free efficiency for as extended as you personal it, we can tell you that your A/C method will no doubt work longer – and most undoubtedly carry out better – when appropriately maintained by our top HVAC technicians.
Not all contractors are good, so do your home-work
Also a word of caution when hiring any contractor to come into your house. Generally it’s good advice to ask friends and their experience with their contractors.
A Texas HVAC Contractors words of caution:
An open letter to women living in the Kansas City area:”What Every Woman Needs to Know” …before opening her front door to any repairman
In my years as a woman working in the HVAC industry, I never thought I’d write a letter like this.
Now I’m doing it out of concern for the safety and security of my friends, family members, and other women living in our community including YOU! Here’s my urgent advice:
NEVER allow a repairman into your home without first knowing he has passed a background check. NEVER.
I don’t care if he looks clean-cut, is wearing a name badge, and sports a freshly ironed white shirt.
With all the news stories about repairmen who are convicted felons committing horrible crimes against unassuming homeowners (especially women), you and I must be diligent, informed, and relentless in watching out for each other.
That’s why I want to remind you that you have every RIGHT to know a company’s policy on doing employee background checks.
If this information isn’t offered when you call for an appointment, don’t be shy. ASK. This applies to any repair or service technician in your home working around you, your children, your grandkids, your pets, and your possessions.
Here at One Hour, our policy is that every employee including me and all our service technicians is background checked for the following:
No convictions of felonies such as assault, battery, murder, burglary, rape, crimes against children, arson and theft.
No convictions for felonies regarding the use, sale, distribution, manufacture or possession of illegal drugs; or abuse of prescription medications.
No convictions for driving while intoxicated within the last 5 years.
IMPORTANT: You also have the RIGHT to know the repairman walking through your front door is DRUG-FREE. The last thing you want is to be alone in your home with a stranger high on drugs.
Again, when you call for an appointment, don’t hesitate. ASK about the company’s drug screening policy. For example, our company screens all “new hires” for drugs and has an ongoing program of random testing.
I recently read 3 of the top trades taught in prison are the HVAC, plumbing and electrical trades. While there’s nothing wrong with teaching trades as part of prison rehabilitation, homeowners like you and I have the right to know if an ex-felon might be working in our homes, SO ASK.
While I don’t intend this to be a sales pitch, I would be remiss if I didn’t ask you to call us when you need service, repair, or replacement of your heating or cooling system. Our trained and trustworthy technicians are skilled pros at solving problems and restoring comfort. They never “talk down” to you because you’re a woman. And our prices are very competitive. Sincerely,