Author Archives: Jean Pollard

Did you know that your Home insurance does not cover Flood?

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We’ve had so much rain this summer and lots of it in a short periods of time.  Rain is terrific for our yards, trees, flowers and to replenish our water supply, but bad for our homes, especially those with basements.   I don’t know if you knew that home insurance does not cover water damage if outside water comes into your home.  Did you see the floods that flowed through Ellicott City in Maryland a month or so ago or the flood currently flowing through a small town near Philadelphia?  Unless those folks have FEMA’s Flood insurance policy, they will not have coverage to repair their damage or replace their personal property!

If you feel that you are in a low lying area that has a potential for lots of flowing water to pour through your yard or stand and fill up your yard, then you may want to look into a flood insurance policy.  If you are in a 100 year, 50 year, 25 year or definite flood zone, you should have been told that when you purchased your home.  Some homes are in areas that are not considered flood zones, however, with changes being made to typography in and around your neighborhoods and homes, can create waterways that can direct water toward your home.  When it is raining hard and water is flowing, look to see where it is going.  If you see that it is flowing through your yard or filling up near your home with a potential to spill over into your yard and home, you need to call your county officials to make corrections.  Another way to combat that is to get a flood insurance quote.  Chris and I can help you.

Protect your car from sun and heat.

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Auto insurance will repair your car from an accident, however, it’s up to you and me to keep it in tip top condition to maintain it’s value. To help keep your car looking great, please take proper precautions to keep the sun from severely damaging key components of your vehicle. In fact, it’s not uncommon for the exterior to reach 194 degrees when exposed to direct sunlight! This amount of heat can not only wreak havoc on your car’s finish, but its interior as well!  Ways to protect your vehicles:

  • Park in the shade – this will keep your interior and exterior from drying and cracking.
  • Use a windshield sun protector – Very affordable and will keep your interior cool and help prevent sun damage.
  • Install seat covers- to protect leather and keep your seats cool.
  • Wash and dry your exterior often – sun and heat can fade and crack the paint of your car. Frequent washing and drying can help remove dirt and dust particles that can cause issues to a vehicles finish.
  • Wax your car – This will add a layer of protection against ultraviolet rays.
  • Check the tire pressure – Hot pavement and underinflated tires can easily lead to blowouts. Even good tires can lose about one pound of air pressure a month, so it’s important to check them often.

Summer grilling safety tips

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To save from having a claim on your home insurance, when grilling, never place the grill on your deck to cook.  Grills heat up and can catch deck on fire or worse catch your home on fire.

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