Posts Tagged ‘cbcinc’

Windstorm Mitigation

Windstorm Mitigation

How to Design Floor Plans to Be Prepared For Natural Disasters

When designing any home, you have to pay special attention to the impact of such environmental conditions as hurricanes, heavy rain, snowstorms, flooding, earthquakes…etc. If one is designing a floor plan where there is a risk of a natural disaster, it is essential to make sure the plan is one that is able to resist environmental damage.

Designing a floor plan that mitigates the risk of natural disasters is a key feature to protecting the home and family. For instance, rooms should be designed to allow quick and easy exit out of a home in the event of a fire. If bedrooms are located on the second floor of a home, you have to make sure there is a quick and accessible exit where one does not have to go through a number of rooms to get to the stairs.

As well, there should be more than one way to exit in case fire is blocking one of the exit routes. If you live in a forested area and are concerned about wildfires, you can cover vents and other openings with a wire mesh to prevent sparks and flaming embers from entering the home. Porches, overhangs, and balconies can lock in heat so they should either be avoided or minimized. Because excessive heat passing through windows can ignite a fire, one should consider fire resistant shutters or drapes or triple pane thermal glass for rooms that have large windows such as the living room.

Flooding is another consideration that must be taken into account when designing a floor plan. If a home is going to be built in a flood prone area, one has to consider whether it would be beneficial to build above the ground; that is, without a basement. For instance, building the lowest floor that is above flood level. As well, if there is a risk of flooding, one has to consider designing rooms so that they are water tight. For instance, one could arrange for the rooms that are not considered critical parts of the home so that the most important rooms are protected from flooding.

For events such as severe windstorms, tornadoes, and hurricanes, floor design plans should include an easily accessible room where the entire family no matter where they are located in the home, to be able to quickly access a “safe room.” This room will be designed with safety in mind to protect the family in the event damage takes place throughout the rest of the home

The continual changes in our climate have significantly increased the hazardous risks to our homes. Hurricanes, tornadoes, flooding, and wildfires, have drastically increased in their severity. We have all seen the tragic impact of natural disasters on homes and lives in the news.

When designing a floor plan, it is essential to take the environmental risks into consideration so that you minimize the risks of damage and make sure the occupants have a safe exit and safe room to stay during a severe natural disaster. When you build a home that takes the threat of natural disasters into consideration, you will greatly increase protection of your home, belongings, and most importantly, your loved ones.

Incoming search terms for the article:

• natural disaster windstorms photo
• windstorm mitigation nc

Windstorm Insurance Policy

Windstorm Insurance Policy
Reinsurance rates remain stable despite catastrophes
Despite quite a few catastrophes, reinsurance rates in the Indian market have remained stable. In contrast, global rates have softened.
Steve Geller Fights for Lower Windstorm Insurance

Roof tiles came off in a windstorm and damaged our cars. Will insurance cover this?

My mom rents a duplex and the other night we had very strong winds in our area that blew the roof tiles off her house. Unfortunately, the tiles landed on my mother and sister’s cars and caused a lot of damage. Will her landlord’s dwelling policy cover these damages? Neither my mom or sister have comprehensive coverage, so that route isn’t an option.
OK, so his insurance isn’t going to cover this. I guess these tiles hit our neighbor’s cars as well (they don’t rent from him). Are they stuck too?

The landlords policy will not pay for any damage to any car. The tiles coming off the roof was an act of nature, not negligence on the landlords part. If you don’t have comprehensive coverage on your auto policy, you will have to pay for damages out of your pocket. If you have comprehensive coverage, call to make a claim.

Incoming search terms for the article:

• what does windstorm insurance cover
• what does my florida windstorm insurance cover
• car damage by wind storm does insurance pay
• will my car insurance cover storm damage
• will insurance pay for roof after wind storm
• will insurance cover to damage to my car caused by the high winds
• What is a windstorm insurance policy
• my car was damaged in a wind storm
• landlord policy coverage windstorm Florida
• duplex shingles cause car damage landlord pays

Windstorm Insurance

Windstorm Insurance

How to Save on Homeowners Insurance

Don’t confuse the market value of your house with rebuilding costs.

The land under your house isn’t at risk from theft, windstorm, fire and the other hazards covered in your homeowner’s policy. So don’t include its value in deciding how much homeowners insurance to buy. Just as an example, let’s say that your house has a current market value of $250,000. Of that price, perhaps $100,000 may be directly related to the value of the land, while the remaining $150,000 would be the actual value of the house.

If you insure your house for the full market value of $250,000, you’re wasting $100,000 of insurance on the land. Instead, you should insure your home for the amount it would take to replace the house, but don’t include the cost of the land. This could result in a substantial reduction in the cost of your premiums.

Increase Your Deductible

A deductible is the amount of money you pay towards a loss before your insurance policy begins to pay a claim. The higher your deductible, the more money you can save on your premiums. In most cases, you’ll probably want a deductible of at least $500. If you can afford to increase your deductible to $1,000, you may save as much as 20 to 25 percent on your premiums.

Buy your home and car policies from the same insurer

Many insurance companies that sell homeowners insurance also provide car insurance. If you buy both policies from the same company, they may give you a discount that could be as high as 15 to 20%. Be certain to verify that the combined price is lower than buying the different coverages from different companies.

Make your home less risky

Check with your insurance agent or company representative what you can do to make your home more resistant to hail, windstorms and other natural disasters. You might find that you can save on your premiums by adding window shutters, reinforcing your roof or installing stronger roofing materials. Older homes can be modified to make them better able to withstand earthquakes. In addition, consider modernizing your heating, cooling, plumbing and electrical systems to reduce the risk of fire and water damage.

Improve your home security

You can usually get discounts of at least 5 percent by installing a smoke detector, burglar alarm or dead-bolt locks. Some companies offer to cut your premium by as much as 15 or 20 percent if you install a sophisticated sprinkler system and a fire and burglar alarm that rings at the police, fire or other monitoring stations. These systems are usually advertised at attractive prices for equipment and installation, along with a monthly monitoring fee.

Before you buy such a system, make sure your insurance company offers a premium discount and evaluate the value of adding such refinements.

Check out all available discounts

Many insurance companies offer several types of discounts. For example, since retired people normally stay at home more than working people, they’re less likely to be burglarized and may detect fires sooner, too. Retired people also have more time for keep their homes in good condition. If you’re at least 55 years old and retired, you may qualify for a discount of up to 10 percent at some companies. Some employers and professional associations administer group insurance programs that may offer an even better deal than you can get on your own.

Keep a good credit record

Establishing a solid credit history can cut your insurance costs. More and more insurance companies are using credit information to price homeowners insurance policies. In many states, your insurance company must tell you about any adverse action, such as a higher rate, at which time you should verify the accuracy of the information on which the insurer relied.

Be sure to protect your credit rating – pay your bills on time, don’t obtain more credit than you need and keep your credit balances as low as possible. Check your credit record on a regular basis and have any errors corrected promptly so that your record remains accurate.

Stick with the same company

If you’ve kept your insurance coverage with the same company for several years, you may receive a special discount for being a loyal, long-term policyholder. Some insurance companies will reduce their premiums by 5 percent if you stay with them for three to five years and by 10 percent if you remain a policyholder for six years or more. Be sure to periodically compare your premium price with that of other companies to be certain that you’re getting the best deal.

Review the limits in your policy and the value of your possessions yearly

You don’t want to purchase insurance coverage you don’t need, but you do want to make sure that you do have sufficient coverage. For example, you may be insuring a rare painting that you purchased years ago for $5,000. Perhaps that painting has now appreciated in value to $15,000, so you’ll want to increase your insurance coverage to include the actual current value.

On the other hand, you may be insuring belongings that have declined in value over the years, so a downward adjustment in insurance coverage may be in order.

Should I replace my roof or just repair the damaged spots?

My roof sustained some damage from a windstorm in April. The homeowner’s insurance said the roof needs to be replaced since there are already 2 layers of shingles present. However, the check they issued is no where near enough to replace the roof, even when we meet the deductible. Money is a huge issue right now (as I’m sure is the case with a lot of people).

The insurance is apparently ripping you off. I had a little damage to my roof several years ago, State Farm came out and agreed it needed a new roof and covered the cost completely except for the deductible. That roof was almost 15 yrs old. In your case, if you’ve already been paid and it won’t cover the cost, I’d replace the missing ones and pocket the rest of the money. Unless it’s leaking it should be fine.

Incoming search terms for the article:

• state farm roof wind
• state farm roof wind damage
• is roof damage from wind storm covered by insurance
• state farm roof deductible
• state farm homeowners deductible
• state farm homeowner policy does it cover the roof of a housee
• does state farm insurance cover wind damage
• state farm wind damage roof
• does state farm homeowners cover wind damage?
• would roofing claims increase premiums

Windstorm Mitigation Inspection

Windstorm Mitigation Inspection

Exclusive Wind Mitigation Inspection Services to Fight Hurricanes

Hurricanes and thunderstorms have been the major weather problems in Tampa, Florida, since prolonged years. Time has witnessed the devastating winds and hail that has hit the city over and over again. The peak hurricane season from June to November endangers life and property and has always shattered the hopes of man. Amidst such circumstances, survival of the fittest comes into play and those public and private sector structures, that undergo strategic building inspection, clearly withstands the calamities of nature.

The wind mitigation inspection assures wind resistive construction features and the service providers offer a report that helps in reducing windstorm insurance against high wind events and hurricanes. Available for federal, state, local agencies as well as private clients including residential and commercial constructions, these inspection services facilitates in qualifying for wind mitigation credits. One such private provider plans review service in Florida, showcases cost effective solutions for wind mitigation inspection requisite for determining resistant features prevalent on your home or business. The fire safety challenges along with proper wind safe inspection are indispensable in offering better protection from wind hurricane damage. Your inspection and plan review needs including building, mechanical, plumbing, and electrical are of utmost importance to be taken care of and qualifies your building structures for discounts on home owners’ insurance policy instead of paying for the inspection costs year after year.

With the emergence of wind mitigation inspection service providers, hurricanes today, are no more a tough nut to crack. The valuable inspection services are a boon in disguise for your home and family and helps in ensuring high resistance to wind events along with total safety to life and property.

Incoming search terms for the article:

• importance of hurricane wind mitigation inspections

Windstorm Insurance

In Australia, a storm of wind blows across the top rack of my car damaging the car behind me. Am I responsible?

I had closed additional bolts for the frame. The wind had broken some small trees in the area. I have no insurance of the vehicle.

Of course, you are responsible, it's your car. You pay out of pocket because they have no insurance. I'll make it easy to understand that putting in place: In Australia, a storm of wind blows across the screen from the top of the car in front of my car damaging Is CAR THE FRONT responsible? No insurance! lol.

Windstorm Insurance Bill