When we think of an issue that may arise by being a homeowner, many people wonder if their problem can be covered by insurance.

My House Has a Mold Issue, Am I Covered?

If your home develops a mold issue, is it covered by insurance? The easiest answer is most likely no. Most mold issues do not occur overnight and this is the main reason why it is not covered by insurance. Insurance carriers tend to see mold as a sign of neglect. This could occur if you have a leaking pipe or if a window isn’t sealed properly, which eventually leads to mold growth.

Some home insurance policies may name mold as a covered peril so it is important to review your coverage details or discuss coverage with your insurance agent. There also may be a few scenarios where you may be covered if your mold issue developed quickly. This could occur if you experienced water damage from a burst pipe or appliance.

Homeowners never want to deal with a mold problem and many times it can be prevented.

Tips to Avoid Mold Issues

• If you are shopping for a home, you may want to pay for a mold inspection before you move in. Sometimes mold can be hard to detect if it is hidden inside the walls of your home or underneath your carpet.
• Check your gutters to ensure they are free of debris. Clogged gutters can also cause more problems than just mold growth.
• When it is a nice day, open up your windows to allow fresh air to circulate. This could decrease moisture inside your home.
• Be aware of any leak inside your home and fix it immediately. Be sure to check your roof, as this is another common place to develop leaks.
• Do you ever notice any condensation on your walls or windows?
• Do you smell anything musty inside your home? This is the common scent of mold growth and it may be time to hire a professional to inspect your home.
• Perform yearly maintenance on any appliance that uses water.
• If you see any mold growth in your home, be sure to clean it with soap & water or a cleaner. Mold can form in many places such as your shower, toilet, sinks, inside your refrigerator, under your kitchen sink, inside your trash can, microwave, stove, window sills, mattress, vents, etc.
• Purchase a dehumidifier and keep it on low levels in your home.
• Always run your fan when taking a hot shower. Mold loves moisture.

We hope you never experience a mold issue, as this can cause damage to your home and your health. Preventative action is the best way to reduce your risk. If you have questions about your current home insurance policy, call our agency.

We all know the importance of being prepared, but what percentage of us actually do the prep work? A good way to ask yourself if you are prepared is to assess what you have on hand now. If a disaster struck today or if you lost power for several hours to days, would you be prepared? If the answer is no, use this list to start preparing yourself this week. January can be a great time of year to start a new habit!

Checklist for home –

• Non-perishable food: canned goods, noodles, bars, cereal, dried fruit, nut butter, crackers and other items with a longer shelf life are important to have on hand. If you currently use an electronic can opener, be sure to have a manual can opener too. You should have enough food supply for several days. Check on your inventory every six months. Also, make sure everything you have for an emergency your family will eat.
• Water: Water isn’t just essential for drinking, but can be used for brushing your teeth, cooking food, and washing your hands. Keep one gallon of water on hand per person minimum. A several-day supply is even better.
• Flashlights: when your power is out, flashlights are essential. Be sure to have a few on hand. A variety of flashlights are handy – traditional and lantern style. Be sure to have extra batteries stored away too.
• First Aid Kit: you can get a variety of sizes and features with many first aid kits. Even without planning for a power outage or natural disaster, this is a good one to have in your home or car.
• Battery-powered generators or gas generators: An ideal item to have for a natural disaster is a power generator. This allows you to run lights, refrigerators and change your cell phones. This technology has come a long way recently so be sure to look at the options available and get one with enough power to suit your needs.
• Bonus items: filtered masks to protect you from contaminated air and an emergency whistle.

Your home should require more emergency items on hand. It is important to keep your vehicle stocked with essentials in the event you get into a car accident, experience a flat tire or your car breaks down, as well as items for cold weather.

Checklist for your vehicle –

• Reflective triangle
• Flashlight
• Ice Scraper
• Cell Phone Charger
• Blanket
• Bonus: jumper cables & first aid kit

All of these items can prepare you if you have a flat tire, need roadside assistance, and aid with bad weather.

While we hope you never have to experience a natural disaster or accident, we hope you are always prepared. If you have questions about your home or auto insurance, call our agency. We can review your coverage to ensure you have the protection you need.

The holiday season tends to see some of the biggest crime waves throughout the year. Here are some things to be aware of when it comes to lowering your risk for theft this holiday season.

Vehicle Break-ins:

Nobody wants to have their vehicle broken into. Not only does it cause a major inconvenience, but it feels violating & you could have valuables stolen out of your vehicle. To lower your risk of a break-in, always follow these tips.

• Never leave valuables in your car. There are many scenarios where you may have valuables in your car, whether for a short period or a long period. If you are out doing holiday shopping, store items in your trunk or cover them so they are not exposed. If you are parking your vehicle outside overnight or for an extended period, always remove valuables from your car. When parking for an extended period, you are at a higher risk for a break-in. Even if your vehicle was broken into, at least you can say you didn’t have anything for the burglar to take.
• Park your vehicle in well-lit areas. This could prevent thieves from breaking in if they think they could be caught on a security camera.
• Always lock your car. Get in the habit of locking your car each time you get out of your vehicle. Unlocked doors gives prowlers a free look to see what is inside & a locked car can sometimes prevent valuables from being stolen.

If I had valuables stolen out of my vehicle, does my auto insurance policy provide coverage?

The short answer is no. Comprehensive coverage on an auto insurance policy will provide you with coverage if your vehicle is stolen. Items stolen from inside your vehicle are typically not covered.

Mail Theft:

Many people receive gifts in the mail during the holidays. Gift cards and cash can often be found in holiday cards & thieves may be out lurking in your mailbox hoping to score your gift. Here are a few tips to always remember this holiday season regarding your mail.

• Get in the habit of picking up your mail daily, even if you have a locked mailbox. Prowlers can still break into your mailbox if they see mail sitting there.
• If you plan to be gone for an extended period, hold your mail. This can be done online for free with USPS.
• Ask a trusted neighbor, friend, or family member to pick up your mail.
• Don’t place cash, check, or gift cards in your outgoing mail. Did you know a thief can easily use your checking account number on your check to steal your identity? If you can, take outgoing mail to a drop-off location.

Doorstep Theft & Home Security:

Many people do more online shopping during the holidays which means more packages getting delivered to your doorstep. Thieves are aware of this. Follow these tips to lower your risk of theft at your home:

• Track all your packages. If you see a package is getting delivered on a day you will not be home, ask a friend, family member, or neighbor to grab it for you.
• Ship packages to a different location. This could be your work or friend or family member’s home where someone will be around to pick up the package for you.
• If your delivery provider has the option to pick it up at their distribution center, consider this option if you will not be home.
• If you can provide a message to your delivery provider, consider asking him or her to leave your package in a specific location at your house that is not visible to thieves.

We hope you have a wonderful holiday season! If you have any questions about your insurance policy, please contact our agency.

As the temperature continues to drop this time of year, humans aren’t the only ones seeking warmer areas to rest. Mice, rats, and other rodents move indoors this time of year to nest as well as look for more food sources that may be stored. It is your responsibility to protect your house from rodent damage as damages caused by rodents or other animals is not covered by an insurance policy.

What types of damage can rodents cause?

Rodents that nest in crawl spaces under a home can wreak havoc on your insulation as well as any items that you may store in there. They will make bedding out of anything soft including pulling down your insulation, shredding up paper, cardboard, and fabric so if you store things in your crawl space, be sure they’re in a sealed plastic bin so the rodent can’t chew or scratch its way through.

Urine & Droppings: Mice and rats can make a smelly mess. The adage that says don’t go to the bathroom where you sleep isn’t true for mice and rats. They don’t seem to mind and if your home has a rodent problem, you’ll see (and often smell) droppings on everything.

How did a rodent get into my house?

Rodents are crafty and will burrow under a home and enter through a dirt floor (like in a crawl space) or they can squeeze through cracks in a foundation, a broken window, or gaps around the home such as exterior boards. Once inside, they can squeeze up into your walls and make their way all the way around your home. Rats often make their way up into attics. If you have a rat in your attic, you’ll likely hear it scurry around.

Preventative Steps to Protect Your Home from Rodent Damage

To protect your home, do a visual inspection for any obvious places a rodent could squeeze in. If your home has a crawlspace, look for vents around the foundation and inspect those as oftentimes, the screens that keep things out become damaged and allow for room to get in.

Never store food in your garage or crawl space. Food will attract rodents. If you do store food, make sure it is in air-tight containers.

How do you get rid of rodents in a house?

Unfortunately, the only way to get a rodent out of a home is to trap it. There are a variety of traps available but beware of using any that contain poison if you have children or animals in your own home. Additionally, poison traps can leave a dead animal in an area you can’t reach, leading to a stinky problem for quite some time. Consider calling a professional or even using humane traps to remove the rodents.

Before you trap, be sure you’ve remedied the entry point. Because the problem will quickly return if you haven’t solved the entry point issue.

Will my insurance pay to repair rodent damage?

No, rodent damage is not typically covered by a home insurance policy because this type of damage occurred over an extended period of time. Rodents can take months or years to create noticeable damage, but by then it is too late and the damages you couldn’t see are extensive. Your best option is to call several crawl space cleanout or insulation companies. They can give you a quote to fix the damage as well as seal up your crawl space to avoid future issues.

Take care of your home and your home will take care of you. If you’re needing a quote on a great insurance policy to help protect it, give us a call. We represent the top-rated insurance companies and can give you multiple options for coverage as well as pricing.

Halloween is a great holiday in many ways. Whether it is dressing up, decorating your home, watching a scary movie or simply enjoying some fun size candy, Halloween brings joy to all ages. Here are a few things to consider making the most out of your holiday.

1. Be aware of tripping hazards around your home

If your plan is to stay home and pass out candy, it is important you prep your home first. Whenever strangers step foot onto your property, you do have a liability risk. To lower your liability risk, be sure to check your driveway or stairway for tripping hazards. This can include hoses, extension cords, debris, loose decking boards, decorations or outdoor toys.

If someone were to trip or fall on your property, there could be a chance you are liable. Walk your property to make sure you do not have anything someone could trip on. If you live in a cold environment, you should also evaluate if there are any areas that are slick that someone could slip. While most people think of icy stairs, wet leaves and algae growth can also be something to think about.

Lastly, if you own a dog, have a plan. Some dogs do not like having strangers walk up to the door or may be disturbed when the doorbell rings. If your dog falls in this category, make a plan for what you can do to keep your dog calm. The last thing you want is to have your dog bite someone, as you could be liable.

2. Have a plan if trick or treating

Whether you are going trick or treating with your child or if your teenager wants to go trick or treating with friends make sure you have a plan for the night. What neighborhood provides good sidewalks? What are safety tips you can share with your teenager about walking in the dark or talking with strangers?

3. Pack safety gear & be extra cautious when driving

Whenever you are walking or driving at nighttime, you want to be extra cautious of your surroundings. If you plan to be walking around & trick or treating, be sure you pack safety gear such as a flashlight or a bright vest or reflective clothing. You want to be visible to drivers on the road and those two items can help. Glow sticks are also fun for kids to hold at nighttime.

If you will be out & about, be aware of trick or treaters. Drive slowly when entering your neighborhood. Some individuals may not be visible with flashlights or bright vests, so it never hurts to drive cautiously.

We hope you enjoy your Halloween. If you have questions about your insurance coverage, reach out to our agency. We are happy to do an insurance review or provide you with multiple quotes.