Here is a little Q&A about home insurance and storm damage in general. These are the types of questions that we get, so I figured that I would answer them here.
Q. Generally, how does my homeowners policy respond to storm damage to my property?
A. Your homeowners policy covers most losses that may occur to your dwelling and personal property. Commonly, losses resulting from theft, fire, wind, vehicles and vandalism are covered.
Q. What if there is damage because of a storm?
A. A standard homeowners policy covers storm damage to the dwelling, its contents and other structures such as garages and fences, up to the policy limit. Such damage also acts as a trigger for coverage of other consequential losses and expenses including removal of debris and loss of use.
Q. What if my family and I cannot live in our home because of the damage?
A. When storm damages make it necessary to leave your home temporarily, your home-owners policy covers the additional costs necessary to maintain your normal standard of living for such things as meals, lodging, laundry, transportation, entertainment, etc. You will need to present receipts for all of your expenses to be reimbursed.
Q. What clean-up expenses can I expect to recover following a storm?
A. Your homeowners policy will cover costs for removal of debris when covered property is damaged. This includes the removal of trees that fall on covered structures, but this coverage for trees usually is limited to $1,000 for a single storm.
Q. Am I covered for protecting my property from damage?
A. Your policy obligates you to protect your property from further damage following a loss as a condition to payment of your claim. You can expect your policy to pay for such expenses to board windows and make emergency repairs. Also, property removed from your home to protect it from an impending storm receives more comprehensive coverage than what is provided at your home—for a limited period of time, it covers flood, earthquake and any direct damage to your dislocated property without exclusions. However, the expenses to remove the property from harm’s way is not a covered expense.
Q. What damages are not covered by my homeowners policy?
A. Trees, shrubs and gardens damaged or destroyed by the storm are not covered. The spoilage of food due to an inoperative refrigerator or freezer resulting from a utility line power outage is not covered by many policies, unless the appliances are inoperative because the damage to power lines or other utility equipment occurred on your property; for example, lightning damage to your circuit box or a tree falling on power lines connected to your home.
* It is important to note that unless it has been added to your policy, there is no coverage for any damage that is a direct result of flood, surface water or water that backs up through sewers or drains that is caused by an act of nature (a storm).
Q. How can I find out what is covered in my specific circumstances?
A. The information provided here includes general guidelines for storm damage coverage. You should contact our agency for definite answers and further advice.
Thursday, September 2, 2010
What to do with Earl heading our way?
It looks like the worst of Earl will stay to the East of Long Island. If the storm takes a turn towards us, or for those of you on the East End, and in Connecticut, this is what you should do during a Hurricane
- Listen to the radio or TV for information.
- Secure your home, close storm shutters, and secure outdoor objects or bring them indoors.
- Turn off utilities if instructed to do so. Otherwise, turn the refrigerator thermostat to its coldest setting and keep its doors closed.
- Turn off propane tanks.· Avoid using the phone, except for serious emergencies.
- Moor your boat if time permits.
- Ensure a supply of water for sanitary purposes such as cleaning and flushing toilets. Fill the bathtub and other large containers with water.
- If you are directed by local authorities to do so. Be sure to follow their instructions.
- If you live in a mobile home or temporary structure—such shelters are particularly hazardous during hurricanes no matter how well fastened to the ground.
- If you live in a high-rise building—hurricane winds are stronger at higher elevations.
- If you live on the coast, on a floodplain, near a river, or on an inland waterway.
- If you feel you are in danger.
- Stay indoors during the hurricane and away from windows and glass doors.
- Close all interior doors—secure and brace external doors.
- Keep curtains and blinds closed. Do not be fooled if there is a lull; it could be the eye of the storm - winds will pick up again.
- Take refuge in a small interior room, closet, or hallway on the lowest level.
- Lie on the floor under a table or another sturdy object.
Wednesday, September 1, 2010
Hurricane Earl Heads towards New York
The last thing anybody wants it to have the Labor Day Weekend washed out. But the potential of Hurricane Earl hitting us hear in New York is real. It is important to make sure that if we do get hit, even just by the outer bands, that you are ready. Putting together an emergency kit is a good idea. You don't have to go out and buy one, you can make one yourself. Here are some things that you should get according to Ready.gov:
Find out how to keep food safe during and after and emergency by visiting: http://www.foodsafety.gov/keep/
- Water, one gallon of water per person per day for at least three days, for drinking and sanitation
- Food, at least a three-day supply of non-perishable food
- Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert and extra batteries for both
- Flashlight and extra batteries
- First aid kit
- Whistle to signal for help
- Dust mask, to help filter contaminated air and plastic sheeting and duct tape to shelter-in-place
- Moist towelettes, garbage bags and plastic ties for personal sanitation
- Wrench or pliers to turn off utilities
- Can opener for food (if kit contains canned food)
- Local maps
- Cell phone with chargers, inverter or solar charger
- Prescription medications and glasses
- Infant formula and diapers
- Pet food and extra water for your pet
- Important family documents such as copies of insurance policies, identification and bank account records in a waterproof, portable container
- Cash or traveler's checks and change
- Important family documents such as copies of insurance policies, identification and bank account records in a waterproof, portable container. You can use the EFFAK Emergency Financial First Aid Kit - PDF, 277Kb) developed by Operation Hope, FEMA and Citizen Corps to help you organize your information
- Emergency reference material such as a first aid book or information from http://www.ready.gov/
- Sleeping bag or warm blanket for each person. Consider additional bedding if you live in a cold-weather climate.
- Complete change of clothing including a long sleeved shirt, long pants and sturdy shoes. Consider additional clothing if you live in a cold-weather climate.
- Household chlorine bleach and medicine dropper – When diluted nine parts water to one part bleach, bleach can be used as a disinfectant. Or in an emergency, you can use it to treat water by using 16 drops of regular household liquid bleach per gallon of water. Do not use scented, color safe or bleaches with added cleaners.
- Fire Extinguisher
- Matches in a waterproof container
- Feminine supplies and personal hygiene items
- Mess kits, paper cups, plates and plastic utensils, paper towels
- Paper and pencil
- Books, games, puzzles or other activities for children
Find out how to keep food safe during and after and emergency by visiting: http://www.foodsafety.gov/keep/
Thursday, August 5, 2010
Safety Tips for Preventing Auto Accidents
Got home from practice last night, and settled in to watch Cougar Town. Yes, I'm hooked on it, it's really a funny show. Well the characters started talking about texting while driving, and how Oprah was now highlighting the dangers. It must have been a rerun, since she did that months ago. Well, Jules, the character that Courtney Cox plays, was joking around, talking on her cell, putting on makeup, and then pointing at other drivers. The next thing you know, she is driving through a fence, and into a pool. Funny on TV, but in reality, it is dangerous.
The Insurance Information Institute today released some disturbing statistics about "Distracted Driving." Driver distractions or inattentive driving play a part in one out of every four motor vehicle crashes. That is more than 1.5 million collisions a year and 4,300 crashes daily, according to the National Highway Traffic Safety Administration. Text messaging, changing radio stations, even turning around to talk to passengers can prove deadly, according to the Insurance Information Institute (I.I.I.).
Cellphones and text messaging are the biggest cause of most accidents, drivers are also distracted by using PDAs, laptops and navigational aids while driving. Other drivers are distracted when they eat, drink, read, write or groom themselves when their full attention should be on the road in front of them. All of these can lead to a accident.
So, what do you do? Obviously, if you need to talk on the phone, hands free is the only way to do it. You will still be distracted while talking, so that isn't even recommended. Texting, reading, and using of other electronics will take your eyes off the road. Think about closing your eyes while driving for 5 seconds. I bet you wouldn't try it, but it is the equivalent to reading text or email on a PDA.
The I.I.I. recommends the following safety tips when driving:
-Pull Off the Road
-Don’t drive while calling or texting; pull off the road to a safe location.
-Use Speed Dialing
-Program frequently called numbers and your local emergency number into the speed dial feature of your phone for easy, one-touch dialing. when available, use auto answer or voice-activated dialing.
-Never Dial While Driving
-If you must dial manually, do so only when stopped. Pull off the road, or better yet, have a passenger dial for you.
-Take a Message
-Let your voice mail pick up your calls in tricky driving situations. It's easy—and safer—to retrieve your messages later on.
-Know When to Stop Talking
-Keep conversations on the phone and in the car brief so you can concentrate on your driving. if a long discussion is required, if the topic is stressful or emotional, or if driving becomes hazardous, end your conversation and continue it once you are off the road.
-Keep the Phone in Its Holder
-Make sure your phone is securely in its holder when you are not using it so it does not pop out and distract you when you are driving.
-Don't Take Notes While Driving
-If you need to write something down, use a tape recorder or pull off the road.
-Don't Eat or Drink While Driving
-Spills, both hot and cold, can easily cause an accident. If you have to stop short, you could also be severely burned.
-Groom Yourself At Home
-Shaving, putting on makeup, combing your hair or other forms of preening are distractions and should be done at home, not while driving.
Make sure that you share these tips with Teens. They are less experienced in driving, and are also more likely to use these devices. I know, you are busy, and need to multi-task. But having your day interrupted by an accident will be a lot worse than taking a few minutes to pull off the road and take care of business.
For more information, call us at 888-900-2173.
The Insurance Information Institute today released some disturbing statistics about "Distracted Driving." Driver distractions or inattentive driving play a part in one out of every four motor vehicle crashes. That is more than 1.5 million collisions a year and 4,300 crashes daily, according to the National Highway Traffic Safety Administration. Text messaging, changing radio stations, even turning around to talk to passengers can prove deadly, according to the Insurance Information Institute (I.I.I.).
Cellphones and text messaging are the biggest cause of most accidents, drivers are also distracted by using PDAs, laptops and navigational aids while driving. Other drivers are distracted when they eat, drink, read, write or groom themselves when their full attention should be on the road in front of them. All of these can lead to a accident.
So, what do you do? Obviously, if you need to talk on the phone, hands free is the only way to do it. You will still be distracted while talking, so that isn't even recommended. Texting, reading, and using of other electronics will take your eyes off the road. Think about closing your eyes while driving for 5 seconds. I bet you wouldn't try it, but it is the equivalent to reading text or email on a PDA.
The I.I.I. recommends the following safety tips when driving:
-Pull Off the Road
-Don’t drive while calling or texting; pull off the road to a safe location.
-Use Speed Dialing
-Program frequently called numbers and your local emergency number into the speed dial feature of your phone for easy, one-touch dialing. when available, use auto answer or voice-activated dialing.
-Never Dial While Driving
-If you must dial manually, do so only when stopped. Pull off the road, or better yet, have a passenger dial for you.
-Take a Message
-Let your voice mail pick up your calls in tricky driving situations. It's easy—and safer—to retrieve your messages later on.
-Know When to Stop Talking
-Keep conversations on the phone and in the car brief so you can concentrate on your driving. if a long discussion is required, if the topic is stressful or emotional, or if driving becomes hazardous, end your conversation and continue it once you are off the road.
-Keep the Phone in Its Holder
-Make sure your phone is securely in its holder when you are not using it so it does not pop out and distract you when you are driving.
-Don't Take Notes While Driving
-If you need to write something down, use a tape recorder or pull off the road.
-Don't Eat or Drink While Driving
-Spills, both hot and cold, can easily cause an accident. If you have to stop short, you could also be severely burned.
-Groom Yourself At Home
-Shaving, putting on makeup, combing your hair or other forms of preening are distractions and should be done at home, not while driving.
Make sure that you share these tips with Teens. They are less experienced in driving, and are also more likely to use these devices. I know, you are busy, and need to multi-task. But having your day interrupted by an accident will be a lot worse than taking a few minutes to pull off the road and take care of business.
For more information, call us at 888-900-2173.
Friday, July 23, 2010
Another wicked storm hits NY
I took the day off to do some fishing with my cousin, and was wondering why all of those LIPA and Verizon trucks were heading to the Hamptons. The storm that we were hit with Wednesday night turned out to be a fierce one. I was in Hyde Park when it past through, and they put out a Tornado warning. Well we lost power up there during the down pour, and the wind was whipping, but it didn't seem to be that bad.
Well when I got to Montauk, the Captain was frantic. A tornado did touch down in Montauk, and ripped roofs off of several houses. Of course, I came in today to the massive claims. But hey, that is why I do this. I'm here for when people have an unexpected event that would otherwise ruin them if they didn't have the right protection.
Now I say protection instead of insurance for a reason. You need to make sure that you are properly protected for when you need it. Several people that had bought an insurance policy, weren't "protected" from the damage from the tornado. Was it because it was an "Act of God?" No. "Act's of God" are usually covered, except for floods.
It was because they didn't know that they had a wind deductible. What is a wind deductible? Well if you have a claim, you decide how much you will pay out of pocket to share the cost of the claim. Some people carry lower deductibles and pay more for there insurance. It is a great way to lower your monthly costs.
But many policies now have "Wind" or "Hurricane" deductibles. These are the things that you need a true Licensed insurance professional help you determine. Many 800 numbers will sell you one of these policies and never tell you about them. The last thing you need to find out is that you have a higher deductible for specific events.
So, what is a Wind or Hurricane deductible? Wind deductibles are usually a percentage of the coverage, or a higher set dollar amount than the all other perils deductible. They sometimes have thresholds, like wind speeds, before they kick in. So if there is a storm with 75 MPH winds, and you have a house insured for $200,000, you might have a 2% deductible, which means you are out of pockect $4,000 instead of the $500 that you would pay for a fire or other loss.
Hurricane deductibles kick in at 5% to 8% and some are for any hurricane. So if the storm has winds of 75 MPH, but it is a winter storm, you would pay either your wind or other perils deductible. But once it has a name, like Bonnie, and the winds are 75 MPH, you are now out of pocket $10,000 to $16,000 for that same house.
My job is to tell you about these differences. Many of our competitors have the attitude that it will never happen, so they don't warn you. So take the time to send me your policy, and I will do their job for them. I don't want you to have no roof, and no way to pay for it even if you aren't a client of mine. I will take the opportunity to get you a proposal for alternatives at the same time. Call me now before the next big storm hits New York.
Well when I got to Montauk, the Captain was frantic. A tornado did touch down in Montauk, and ripped roofs off of several houses. Of course, I came in today to the massive claims. But hey, that is why I do this. I'm here for when people have an unexpected event that would otherwise ruin them if they didn't have the right protection.
Now I say protection instead of insurance for a reason. You need to make sure that you are properly protected for when you need it. Several people that had bought an insurance policy, weren't "protected" from the damage from the tornado. Was it because it was an "Act of God?" No. "Act's of God" are usually covered, except for floods.
It was because they didn't know that they had a wind deductible. What is a wind deductible? Well if you have a claim, you decide how much you will pay out of pocket to share the cost of the claim. Some people carry lower deductibles and pay more for there insurance. It is a great way to lower your monthly costs.
But many policies now have "Wind" or "Hurricane" deductibles. These are the things that you need a true Licensed insurance professional help you determine. Many 800 numbers will sell you one of these policies and never tell you about them. The last thing you need to find out is that you have a higher deductible for specific events.
So, what is a Wind or Hurricane deductible? Wind deductibles are usually a percentage of the coverage, or a higher set dollar amount than the all other perils deductible. They sometimes have thresholds, like wind speeds, before they kick in. So if there is a storm with 75 MPH winds, and you have a house insured for $200,000, you might have a 2% deductible, which means you are out of pockect $4,000 instead of the $500 that you would pay for a fire or other loss.
Hurricane deductibles kick in at 5% to 8% and some are for any hurricane. So if the storm has winds of 75 MPH, but it is a winter storm, you would pay either your wind or other perils deductible. But once it has a name, like Bonnie, and the winds are 75 MPH, you are now out of pocket $10,000 to $16,000 for that same house.
My job is to tell you about these differences. Many of our competitors have the attitude that it will never happen, so they don't warn you. So take the time to send me your policy, and I will do their job for them. I don't want you to have no roof, and no way to pay for it even if you aren't a client of mine. I will take the opportunity to get you a proposal for alternatives at the same time. Call me now before the next big storm hits New York.
Monday, July 12, 2010
Why was an accident my fault, when I wasn't at fault?
In New York, back in 1975, a law was passed called the Comparative Negligence law. It established how insurance companies were to settle accident claims based on who is at fault, and to determine the percentage at fault. The problem is that logic is thrown out the window. Basically, you are always partially at fault except in a few instances:
1. You are hit while parked
2. You are hit from behind
3. There are witnesses to say that you weren't at fault
Now the witnesses can't be somebody in your car. I have seen where the insurance companies accepted a neighbor or friend, even though there was an obvious conflict of interest.
So how to you make sure that you can keep your rates low, after you have an accident. The first thing to look for is Accident Forgiveness. Many companies offer some version of it, so review your policy to see how "Forgiving" it really is.
The next step is to avoid an accident. Drive defensively, as if everyone else doesn't know how to drive, and anticipate what they will do wrong. Just because you have a green light, don't assume that the other car coming up to the red light will stop. This is one of those situations where you can be 50% at fault because no one stepped up to be a witness.
If you know that you are about to get into an accident, don't tense up. That is how you get hurt. The people who don't know an accident is coming usually don't get injured. Doesn't help with rates, but it is a good tip.
After an accident, try to get the police there. Don't expect them to help much, but they won't take a report that will help you if they aren't on the scene. Most police reports just say vehicle 1 and vehicle 2 were in an accident. But they will sometimes state driver inattention, wrongful turn, etc. which the insurance companies will use to determine who is at fault.
A few things to know about who is the majority at fault:
1. The person making the turn is usually 80% at fault. So even if you have green arrow, and get hit by someone blowing a stop sign or red light, unless you have a witness, it is your fault.
2. The person pulling out of a parking spot or driveway is usually 80% at fault. Not seeing the other car isn't an excuse, even if they are speeding.
3. If you hit a pedestrian, you are at fault.
There are many other situations that can arise, but these are the ones that I see the most. There are strategies that you can use to determine who you should hit, but way too complicated to put here. Hope this helps, if you have any questions, give me a call. 888-900-2173.
1. You are hit while parked
2. You are hit from behind
3. There are witnesses to say that you weren't at fault
Now the witnesses can't be somebody in your car. I have seen where the insurance companies accepted a neighbor or friend, even though there was an obvious conflict of interest.
So how to you make sure that you can keep your rates low, after you have an accident. The first thing to look for is Accident Forgiveness. Many companies offer some version of it, so review your policy to see how "Forgiving" it really is.
The next step is to avoid an accident. Drive defensively, as if everyone else doesn't know how to drive, and anticipate what they will do wrong. Just because you have a green light, don't assume that the other car coming up to the red light will stop. This is one of those situations where you can be 50% at fault because no one stepped up to be a witness.
If you know that you are about to get into an accident, don't tense up. That is how you get hurt. The people who don't know an accident is coming usually don't get injured. Doesn't help with rates, but it is a good tip.
After an accident, try to get the police there. Don't expect them to help much, but they won't take a report that will help you if they aren't on the scene. Most police reports just say vehicle 1 and vehicle 2 were in an accident. But they will sometimes state driver inattention, wrongful turn, etc. which the insurance companies will use to determine who is at fault.
A few things to know about who is the majority at fault:
1. The person making the turn is usually 80% at fault. So even if you have green arrow, and get hit by someone blowing a stop sign or red light, unless you have a witness, it is your fault.
2. The person pulling out of a parking spot or driveway is usually 80% at fault. Not seeing the other car isn't an excuse, even if they are speeding.
3. If you hit a pedestrian, you are at fault.
There are many other situations that can arise, but these are the ones that I see the most. There are strategies that you can use to determine who you should hit, but way too complicated to put here. Hope this helps, if you have any questions, give me a call. 888-900-2173.
Thursday, July 8, 2010
What is No-Fault Anyway?
I can't tell you how many times that I speak to people, and they say that their accident is a "No-fault" accident. Unfortunately, in New York, there is practically no such thing. Every accident is considered to be partially your fault. But that is another topic.
The no-fault law was established in 1974 to provide injured parties in an accident with sufficient medical treatment and income replacement without having to go through a lawsuit. Prior to no-fault, on 14% of liabilty claims reimbursed accident victims for their economic loss, and it took almost 16 months for people to collect the money.
No-fault provides what is know as Personal Injury Protection (PIP)Benefits. These are different from the injury lawsuits that you see the commercials on TV. Those claims are part of the liability protection that you carry on your auto insurance policy. PIP benefits provide "Basic Economic Loss" benefits for eligible injured parties. They cover medical expenses, income loss, other expenses incurred (e.g. housekeeping, transportation, etc.,) and a death benefit.
Because of this, your health insurance is secondary to your car insurance if you are injured in a car accident. You are also limited in suing somebody for these coverages. That is why it is important to make sure that if you are shopping for insurance, you compare ALL of the coverages that provide YOU and YOUR FAMILY protection.
Most direct companies will cut corners on these valuable coverages for several reasons. One is to claim that they can save you 15% or more in 15 minutes. They know that most consumers are only looking at the liability limits and deductibles. Another reason is to cut costs. Medical costs are rising at more than double the rates of inflation. A third reason is fraud. No-fault fraud has it's own industry in New York, and this industry knows the loopholes in the law.
So make sure you review your policy to make sure you have enough coverage if you were injured in an accident. Can you live on $2000 a month if you couldn't work? Would $50,000 be enough to cover your medical bills if you were taken to the emergency room in an ambulance.
Call me to review your policy to make sure that you have the right coverage. 888-900-2173
The no-fault law was established in 1974 to provide injured parties in an accident with sufficient medical treatment and income replacement without having to go through a lawsuit. Prior to no-fault, on 14% of liabilty claims reimbursed accident victims for their economic loss, and it took almost 16 months for people to collect the money.
No-fault provides what is know as Personal Injury Protection (PIP)Benefits. These are different from the injury lawsuits that you see the commercials on TV. Those claims are part of the liability protection that you carry on your auto insurance policy. PIP benefits provide "Basic Economic Loss" benefits for eligible injured parties. They cover medical expenses, income loss, other expenses incurred (e.g. housekeeping, transportation, etc.,) and a death benefit.
Because of this, your health insurance is secondary to your car insurance if you are injured in a car accident. You are also limited in suing somebody for these coverages. That is why it is important to make sure that if you are shopping for insurance, you compare ALL of the coverages that provide YOU and YOUR FAMILY protection.
Most direct companies will cut corners on these valuable coverages for several reasons. One is to claim that they can save you 15% or more in 15 minutes. They know that most consumers are only looking at the liability limits and deductibles. Another reason is to cut costs. Medical costs are rising at more than double the rates of inflation. A third reason is fraud. No-fault fraud has it's own industry in New York, and this industry knows the loopholes in the law.
So make sure you review your policy to make sure you have enough coverage if you were injured in an accident. Can you live on $2000 a month if you couldn't work? Would $50,000 be enough to cover your medical bills if you were taken to the emergency room in an ambulance.
Call me to review your policy to make sure that you have the right coverage. 888-900-2173
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