Author: office

Mitigating Your Claim

by office

Insurance is a fact of modern life. From property to auto, life to health, insurance seems to always be a topic of conversation. I wanted to write a bit about something we see constantly in our line of work, the dreaded property damage claim! Home insurance helps protect you, your possessions and your property. I know sometimes I fall into the trap of thinking “it won’t happen to me”. When it comes to your property that’s dangerous thinking. Murphy’s law seems to be true, it’s just a matter of time before something goes wrong. Your home has so many working parts, plus exposure to the elements. From a tree falling on your roof in a wind storm, to a dishwasher supply line leaking and causing water damage, it happens more often than you’d think. So when the inevitable happens and you come home from vacation to your flooded house, what do you do!? I want to talk about mitigation. What the heck does that mean? The definition of mitigation is, the act of making a condition or consequence less severe. Your home owner’s policy covers a wide variety of damages to your home, but you have a responsibility to mit […]

The Importance of Smoke Alarms

by office

A few weeks ago I was in a meeting at our Fruitland Idaho office. Around 9 am we received a call to provide emergency mitigation service at a structure fire in nearby Payette. Arriving on scene to the already extinguished fire we found that half of the duplex had extensive fire and smoke damage. As our crew began the task of securing the structure and preventing secondary damage I began to speak with the occupant of the unaffected side of the duplex. He was understandably a bit shaken. He shared with me that he woke up early for work and saw the flicker of flames coming from his neighbor’s side of the dwelling. Worried, he rushed to the door to check on them. After a minute of banging on the door his neighbor came to and they were able to safely evacuate the home. Now to the point of this story, why did it take pounding on the door to notify the occupant that his home was on fire and rapidly filling with smoke? Non-Functioning smoke alarms! Thank goodness for an alert neighbor; if it hadn’t been for him this story could have very well been tragic. Every year in […]

Ready or not the cooler weather is here! Winter often finds us dreading the utility bill. Here are some helpful energy saving tips to help keep utility costs down. COVER DRAFTY WINDOWS • Use a heavy-duty, clear plastic sheet on a frame or tape clear plastic film to the inside of your window frames during the cold winter months. Make sure the plastic is sealed tightly to the frame to help reduce infiltration. • Install tight-fitting, insulating drapes or shades on windows that feel drafty after weatherizing. ADJUST THE TEMPERATURE • When you are home and awake, set your thermostat as low as is comfortable. • When you are asleep or out of the house, turn your thermostat back 10° to 15° for eight hours and save around 10% a year on your heating and cooling bills. A programmable thermostat can make it easy to set back your temperature. FIND AND SEAL LEAKS • Seal the air leaks around utility cut-throughs for pipes (“plumbing penetrations”), gaps around chimneys and recessed lights in insulated ceilings, and unfinished spaces behind cupboards and closets. • Add caulk or weatherstripping to seal air leaks around leaky doors and windows. MAINTAIN YOUR HEATING SYSTEMS • […]