Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry.
Rainstorms are a fact of life in many areas of the country, and they help keep things green, even if they keep you inside. But when they get heavy, it’s time to start thinking about the potential impact all that water has on your home. The first step is finding and fixing any immediate problems as soon as it’s safe to do so. Then, you’ll want to take measures to prevent those problems from happening during the next downpour!
Click the link below for helpful tips from one of our trusted homeowner carriers, Safeco Insurance, on how to spot damage quickly, make repairs & prevent future damage.
Please click the link below and take a look at this article from Texas Heritage for Living. There are great tips on how to be prepared for severe weather & make sure your home is safe!
The Insurance Council of Texas (ICT) has placed the insured losses from Hurricane Harvey at $19 billion. On August 25, Harvey came ashore, as a category 3 hurricane with 130-mile-per hour winds, just east of Corpus Christi in the Rockport/Port Aransas communities. Harvey’s winds caused extensive damage in the area and farther inland, and unfortunately resulted in 70 deaths.
Hurricane Ike, which made landfall near Galveston on September 13, 2008, had been the costliest storm in Texas history with $12 billion in insured losses.
After coming ashore, Harvey moved up the Texas coast eventually dropping more than 50 inches of rain over parts of Houston and southeast Texas. Massive flooding occurred over a 200-mile long area of Texas stretching from La Grange to the Louisiana border.
Insured windstorm and other storm-related property losses are expected to top $3 billion. In addition to the property losses, an estimated 250,000 private passenger and commercial vehicles were flooded resulting in insured losses from both auto losses and commercial property which are expected to reach $4.75 billion. These totals do not include residential property losses due to flooding or any uninsured losses.
The nearly $5 billion in losses comes after a year in which we had already seen higher than normal insured auto losses due to increases in the number of collisions and escalating repair costs. The windstorm and other property damage losses follow last year’s nearly $5 billion in auto and homeowner hail claims. Texas weather continues to wreak havoc on Texas homeowners, auto owners, and businesses.
Despite the heavy losses, insurers have been in the hardest hit areas since disaster officials allowed companies to set up mobile assistance centers. View a complete listing of the companies’ mobile assistance centers.
In addition to the windstorm and auto damage, there was the catastrophic flooding in Houston, Beaumont, and other southeast Texas cities. FEMA administrator Roy Wright said he expects the National Flood Insurance Program (NFIP) to make $11 billion in payments to homeowners who carried flood insurance. The flood losses would be the second highest on record after Hurricane Katrina which had $16 billion in payments.
Please visit the following link for the full article & additional news brought to you by Independent Insurance Agents of Texas: https://texasagent.org/
With concerns about hurricane damage & flooding growing due to Hurricane Harvey in the Gulf Coast, we would like to take a minute to share an article from one of our carriers, American Strategic Insurance & Progressive Home Advantage, to help you better understand why flood insurance is needed & what this can help cover for loss avoidance, in addition to covering unpreventable damages to the home and/or contents. Below is an excerpt from their article. Please visit the following link for additional information directly from American Strategic Insurance regarding flood insurance coverage and who qualifies for this type of policy:
WHAT’S COVERED UNDER A STANDARD FLOOD INSURANCE POLICY?
National Flood Insurance Program flood policies will cover up to $1,000 in reasonable expenses incurred to protect a policyholder’s insured property, and up to $1,000 to move the policyholder’s insured property away from a flood or imminent danger of a flood. To be eligible for this benefit, the insured property must be located in a community where:
- a general condition of flooding in the area exists; or
- an official has issued an evacuation order or other civil order for the community requiring measures to preserve life and property from flooding.
WHAT IS ELIGIBLE?
EXPENSES TO PROTECT PROPERTY
- Sandbags (including the sand to fill them)
- Fill to create temporary levees.
- Water pumps.
- Plastic sheeting and lumber used in connection with any of these items listed above.
- Labor – a policyholder may claim labor, including their own or a family member’s labor, at the federal minimum wage. Labor charged by a professional may also be reimbursed.
EXPENSES TO MOVE PROPERTY TO SAFETY
- Up to $1,000 for the reasonable expense to move insured property in order to protect it from flood, or the imminent danger of flood.
WHAT DO POLICYHOLDERS NEED TO KNOW?
- Personal property that is moved must be placed in a fully enclosed building or otherwise protected from the elements.
- Any property removed, including a moveable home (that meets the definition of a building in the flood policy), must be placed above ground level or outside of the special flood hazard area.
- Property removed is covered by a policyholder’s flood policy for 45 consecutive days from the date the move begins.
- A deductible does not apply to these limits.
- The coverage does not increase the policy limits of the liability.
Tires are a vital part of car safety, handling, and even fuel economy. Their importance can’t be overstated. After all, tires are the only part of the vehicle that touches the road. But for shoppers, it can be difficult to parse through marketing claims in order to find the model that best addresses your needs and budget. Please visit the following link for Consumer Reports list of the top rated tires for your vehicles:
Updated Texas Law
No Text and Drive law effective 9/1/2017
We wanted to make sure you are aware of a brand new driving law which goes into effect September 1, 2017. It will be against the law all across Texas to text while you are driving. This new law concerns “reading, writing, or sending electronic messages” using a “wireless communications device.” The new law does not address stricter cell phone bans already in place in other cities such as in Austin and San Antonio.
You may still use your cell phone for satellite navigations systems such as Google Maps and MapQuest.
Fines can range from $25 to $99 for first time offenders, and $100 to $200 for repeat offenders. Of course, there will also be additional court costs. A conviction will not result in any points being assessed.
If you cause an accident as a result of texting which causes serious bodily injury or death to another person, the new law provides for a misdemeanor offense punishable with a fine up to $4,000.00 and confinement in jail for up to one year.
You could also be charged with felony negligent homicide.
This email was one I received from an attorney on the new law. Please be sure you have a no text and drive policy all on employee’s while in a company automobile or running errands for the company.
Please let me know if you have any questions at all.
As always, thank you for the business and for making me a part of your team.
Traci Garner Davis
Our November 2013 Safety Newsletter is ready for viewing!
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