Tag: home insurance

  • File photo, actual client loss


    Winter is finally coming to NKY!  With this in mind, is your home prepared for the colder temperatures?

    We often consider it wouldn’t happen to us.  Maybe you think your house is too new, has too many updates or is adequately insulated.  Truth is a frozen or burst water pipe can happen to anyone at anytime.  Granted, an older home with drafts and poor insulation is more susceptible than some newer homes, but no one is completely exempt from the dangers that may come with winter weather.  Even copper lines can break from the full force of expanding ice.  But, there are things you can do to help prevent this from ruining your day, or possibly your year depending on how long repairs may take to complete.

    • Insulate your pipes.  Pipe insulation can cost as little as 50 cents per linear foot at your local hardware store.
    • Keep garage doors closed, especially if there are water supply lines in the garage.
    • Open cabinet doors that contain plumbing.  If there is a draft behind that cabinet door, allowing warm air from your home enter that cavity will aid in keeping your pipes warm.
    • Let the cold water drip from your faucet.  Keeping the water moving, even the slightest amount, can help prevent freezing within the pipes.
    • If you plan on leaving your home during the winter months, set your thermostat to 55 degrees or higher.
    • If you have noticed frost around one of your pipes, use a hair dryer or heating pad to thaw the water line.  Never use a blowtorch or lighter-this provides too much heat too fast and can weaken the pipe even more.
    • If you have a particular section of water piping which seems to be more susceptible to freezing, you may want to consider installing an electric heat cable kit, but special precautions need to be taken as they can be a fire hazard if not used properly.

    Keep yourself and your pipes warm this winter!  If you do notice a small leak, shut off the water that services that pipe, when possible.  If not, calling a licensed plumber as soon as possible can help prevent damage.  If you come home to a situation as the picture above, there are water mitigation companies able to help and offer 24 hour emergency services to help with cleanup and prevent mold.

    For more information on how to prevent a loss, or how to handle a loss that has occurred, feel free to call our office.  We are here to help!

  • Photo courtesy http://blue-mud.net/phsFloodRecedes.html

    As residents in North Carolina and South Carolina are reveling in the wake of Hurricane Florence, the waters are still rising in certain areas even after the rains have stopped.  I was listening to the radio this morning and a caller from South Carolina was being interviewed.  His home town was protected by 2 levees from two neighboring rivers.  Unfortunately, both of those levees failed and his hometown was flooded.  Since FEMA maps did not speculate a flood ever occurring there due to the levees, the majority of the town did not have flood insurance.

    The National Flood Insurance Program (NFIP) defines a flood as, “A temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.”   If your home is involved in a situation like this, homeowner’s coverage will not protect you.  Flood insurance would be needed.  Flood insurance is a separate policy and would need to be started either at the time of purchase of a home, or given a 30 day grace period prior to coverage going into affect.  So, if you are concerned with an upcoming storm system that may cause flooding of your home, then it is probably too late to get a flood policy for that particular storm.

    I have personally seen the devastation flooding can cause.  I lived in Pendleton County during the flood of 97 and saw the anguish it caused from the devastating loss in Falmouth and Butler KY.  What was even worse than the amount of water was the amount of mud and debris.  Houses literally lifted off their foundations and thrust into other homes.  2 feet of mud everywhere you walked.  It was a terrible blow to communities that could not recuperate from the financial loss.  Still to this day, over 21 years later, there are still vacant lots-remnants of what use to be.

    Flooding can happen, even in places you would not normally expect.  For more information on how to protect yourself from financial devastation, feel free to call our office.  We are here to help explain coverage and how you can protect your investment.

  • insurance
  • Hagerty
  • Progressive
  • Phone:859.441.0310
  • 1136 S Fort Thomas Ave. Fort Thomas, KY 41075