How Deductibles Work
Homeownership entails numerous responsibilities, one of which includes navigating the world of insurance policies and the subtle nuances within them. Central to understanding your homeowners' insurance policy is a mastery of the different types of deductibles: Standard and percentage deductibles, each catering to other aspects of coverage. Standard deductibles Standard deductibles are fixed amounts, typically from $500 to $2,000 and more, representing what you'll pay out-of-pocket for most insurance claims. Regardless of the damage cost, this amount remains constant. However, specific claims are more peculiar and necessitate a different kind of deductible known as the percentage. Percentage deductibles Percentage deductibles primarily apply to claims related to wind, hail, and hurricanes, calculated as a percentage of your home's insured value, usually between 1-10%. For instance, for a home insured for $400,000 with a 1% deductible, any claim would require a $4,000 payment out-of-pocket before insurance covers the remaining cost. If you opt for the higher percentage, you can see how quickly this type of coverage can get expensive if something happens to your home. Disaster deductibles Beyond the regular realms, there are disaster deductibles. Standard policies typically do not cover natural disasters like earthquakes, mudslides, and sinkholes. The deductibles for these are also percentages of the insured value, with areas prone to specific disasters having higher minimum percentage deductibles, like most California homes having around 15%. In regions like Florida, sinkhole coverage is mandatory due to the prevalence of ground cover collapse. Flood insurance Flooding is another peril not covered under standard policies, necessitating additional coverage, especially for residents in high-risk flood areas. Flood insurance, available through the National Flood Insurance Program (NFIP) and private insurers, offers two types of deductibles: Building damage and content damage. Choosing the right deductible involves balancing short-term and long-term costs, assessing financial resilience, and understanding how deductibles impact premiums. Premiums, the periodic payments made to maintain coverage, are influenced by risk levels set by insurers based on factors like construction, age of the home, and regional claims history. It's crucial to note that filing claims may increase premiums, regardless of the deductible amount. The nature of your claims, frequency, and the cumulative cost to the insurer are crucial factors in determining future premium costs. All this being said, you do have help. Your favorite restoration company is your expert on disaster restoration and working with your insurance company to get you back to normal. After all, it pays to call a pro! A Sticky Issue: How to Remove Gum
Despite its refreshing taste and breath-freshening abilities, chewing gum often finds its way onto and into places it doesn’t belong, stubbornly sticking to surfaces and creating a mess. Fortunately, removing gum isn’t terribly tedious if you know the proper methods. Chewing gum is challenging to remove when warm, so hardening it is the first step in any gum removal process. This can be achieved by using ice cubes or freezing the gum-adhered item, making removing it easier without stretching or damaging the underlying surface. Fabric, carpet, and rugs For fabric, carpet, or rugs, apply an ice cube directly to the gum, rubbing it until it hardens. Placing the gum in the freezer is an efficient alternative if it is on a small, portable item like an item of clothing. Consider putting the ice cube in a plastic bag for rugs or carpet to avoid soaking the material with water. Once the gum hardens, gently scrape it off using a blunt knife, like a dinner or putty knife. Though it requires effort, being cautious can help avoid damage to the fibers. Hair Removing gum from hair necessitates a slightly different approach. Instead of hardening the gum, applying cooking oil or another natural lubricant (some use peanut butter) can ease the removal process. Gently work the substance into the gum and surrounding hair before carefully picking or combing out the gum. This method requires caution, especially when working on someone else, as it can be painful. Alternatively, one can use the freezing process to ‘crack’ the gum off, followed by an oil treatment to remove all remnants. Persistence Regardless of the method used, removing gum demands patience and careful handling. Sometimes, it may require combining techniques, especially for more stubborn pieces. However, diligent application of these methods usually results in successful gum removal, leaving the surface unharmed. By approaching this sticky situation with patience and the proper techniques, you can ensure that the unwelcome gum finds its way out without leaving a trace behind. But at times this type of sticky situation is just too much to handle on your own, such as when gum is embedded and hardened into your carpet or expensive area rug. When that happens, you have a resource you can rely on: Your favorite cleaning company. Do the right thing and let them handle this. After all, it pays to call a pro! How Adjusters Work
When a storm wreaks havoc on your property, assessing the damage and beginning the recovery process can be overwhelming. You may not know where to start. And you certainly wonder who will pay for it all, either your insurance company or you. You have insurance for your home, so you hope everything is covered. Much of that comes down to the adjuster and the details of your insurance policy. All things being equal, though, what plays out is often based on people. And the decisions they make. Understanding what an insurance adjuster is and how one operates will help you in the event of the unimaginable happening to your home, whether fire, flood, or other damage. You want a smooth transition from damage assessment all the way to repair and getting back to normal. What are ‘adjusters’? Property insurance adjusters, or claims adjusters, evaluate property damage to determine how much an insurance company should compensate the policyholder and even scarier … IF they should. They inspect the damaged property, review policy details, and determine the validity and worth of a claim. In the past, adjusters visited all sites. Now, they may do it remotely. But odds are a visit to your home for the inspection and evaluation is what you can expect. The process Once a claim is filed, the insurance adjuster will contact the policyholder to discuss the details of the damage. The adjuster visits the damaged property to assess the extent and cause of the damage. They will take photos, measurements, and notes. The adjuster should review the insurance policy to see what is covered, any exclusions, and the policy limits. Based on the policy details and the assessment, the adjuster will either approve or deny the claim. If approved, they will provide an estimate of the repair costs. Once an agreement is reached, the insurance company will pay the claim directly to the policyholder or the repair contractors. If you are paid, you are responsible for paying the contractors. Each state has unique laws regulating payment. In the process, be sure to document everything. Take as many pictures as you fee you need, then take more. Use video. Protect yourself. The more information you have documented, especially photos and videos, will help your case if you have any issues with coverage. You have an ace in the hole, as well. That would be your favorite disaster restoration firm. Call them if you ever have damage to your home. They will walk you through the process and be there for you, and do the cleanup and repair work, and most likely bill your insurance company. After all, it pays to call a pro! 7 Ways to Triumph Over Clutter
Decluttering and organizing one's home can be overwhelming, especially when you are overtaken by too many things collected over the years. Stuff piles up! When that happens, and you can’t take it any longer, it’s time to act. Here are a few ways to triumph over clutter. Set clear goals Before you begin, have a clear goal. Why should you get rid of “stuff”? Are you looking to improve appearances or make room for more “stuff”? Having an objective in mind is going to help with this. Plan and prioritize Keep this manageable. Don’t try to do the entire house in one session. Break it down into manageable tasks. One room at a time. Prioritize based on which areas are most in need or which will provide the most satisfaction once organized. The famous four-pile method You have heard it before. Put things in designated piles. But this is the modern era, so use boxes instead. Have four boxes labeled: Keep, Donate, Trash, and Recycle. You know how you value items so putting them in appropriate boxes should be easy. This will help you stay focused. Organize systematically Once you’ve decluttered, keep the momentum going. Use containers to keep it all in the proper place. Use labels. Zone your spaces, maximizing the use of closets, cupboards, and drawers. Everyone should know where stuff is when they need it. Documents Documents and papers are “stuff” as well. Most opt for digitizing these unless there is a legal reason to have a paper copy. Don’t throw away papers unless you are sure you won’t need them. Photographs, scanned copies into your computer, and all kept in the cloud… use digital technology to help save space and keep documents organized. |
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