Many consumers have purchased Water Backup coverage on their homeowner policy, and assume that they don't have to worry about the heavy rainfall- which at times causes water to overflow into their home. The fact of the matter is, there is still cause for worry.
Water Backup coverage is limited to just that; water which backs up through sewer drains, or sump pump failure/overflow.
Any time water seeps in through cracks in your home's foundation, coverage is questionable. Seepage is typically excluded from homeowner policies and coverage is usually not available for purchase. It is the homeowner's responsibility to ensure that the foundation of the home is free from cracks and has been sealed to prevent water from coming in through the foundation walls.
If surface water floods over from outside into the home through window sills, doorways etc. your homeowner policy will not respond to water damage due to flooding. Flood insurance needs to be purchased separately to cover these types of losses.
Your best bet is to ask your agent what coverage you currently carry, and what if any limitations exist on your current policy.
Thursday, April 11, 2013
Tuesday, April 9, 2013
One Text or Call Could Wreck it All...
Distracted driving is a dangerous epidemic on America's roadways. In 2010 alone, over 3,000 people were killed in distracted driving crashes.
The U.S. Department of Transportation is leading the effort to stop texting and cell phone use behind the wheel. Since 2009, we have held two national distracted driving summits, banned texting and cell phone use for commercial drivers, encouraged states to adopt tough laws, and launched several campaigns to raise public awareness about the issue.
Distraction.gov is your resource for learning more about distracted driving. Get the facts, get involved, and help us keep America's roadways safe.
Do you have a newly licensed driver in your household? It is quite possible that the new driver has taken your lead in many choices they have made so far in life. Distraction.gov is an informative website that offers statistics on the epidemic before us and resources to get involved. Check it out along with your new driver, and take the pledge along with them.
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