Courtesy of iii.org Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage: coverage for the structure of your home; coverage for your personal belongings; liability protection; coverage for additional living expenses Coverage for the structure of your home Your homeowners policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disasters listed in your policy. Most policies also cover detached structures such as a garage, tool shed or gazebo—generally for about 10 percent of the amount of insurance you have on the structure of the house. A standard policy will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, remember this simple guideline: Purchase enough coverage to rebuild your home. Coverage for your personal …
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Hurricane Resources for Florida
Courtesy of iii.org Following a hurricane or other disaster, getting back to normal can take some time. To assist in the recovery process, the Triple-I has compiled useful information around post-disaster safety and insurance coverage questions, with detailed guidance on how to file a claim. In addition, resources specific to Alabama, Florida, Louisiana, Mississippi and Texas affected by recent storms are included. In focus: 10/30/2020 After Hurricane Zeta slammed into Louisiana October 28 at least six were dead and millions were without power. The storm left shattered buildings and thousands of downed trees from the Gulf Coast to Georgia. Safety and resources for recovery Following a hurricane, new perils brought by the storm can pose risks. And if you have evacuated, it might not be safe to go back home. The following articles provide information and guidance to keep you and your loved ones safe in the aftermath. Articles: After a hurricane, beware of the dangers that …
Halloween and Pandemic Safety
Courtesy of iii.org My five-year-old nephew, Ben, is a great source of pride to his electrician father, Dan. Last Halloween, Ben refused to trick-or-treat at a particular house because he noticed that the decorations there were a fire hazard. Halloween is supposed to be fun, but it has always involved risks and potential liabilities. The video below outlines some of the “traditional” hazards and ways to mitigate them, from eliminating trip-and-fall dangers to preventing fire and pet-related perils. And while much of the focus of Halloween-risk mitigation is on the home, Donald R. Grady, a Boston personal injury attorney, says the biggest dangers actually involve cars. “You see an uptick in automobile accidents,” Grady says. “Especially with teenagers, who don’t have adults with them and who rush from house to house.” The curse of 2020 2020 has aged us all…. Perhaps predictably by now, 2020 has brought the spooky holiday threats of its own. COVID-19 has introduced new …