 |
|
|
|
|
 |
If your Home's contents are covered for Actual Cash Value, then a deduction for depreciation (age, wear & tear, etc) will be calculated at the time of a loss. |
|
|
|
Replacement Cost is a provision that can be added to a standard policy by an endorsement and will cover the replacement cost for your contents at the time of a loss without a deduction for depreciation. For an additional cost this could be your best value in property insurance. |
|
|
|
In the event of a loss, could you remember the value of your damaged items? It is important to keep up to date records of your belongings either by pictures, video, or an itemized list. An up to date list will help assist you in identifying all your damaged possessions. |
|
|
|
 |
 |
|
| "The service we got from Page was unbelievable - amazing!"– Carrie and Brian Chakarian on the response after the loss of their home to fire. |
|
 |
|
|
FROZEN PIPES
Every year thousands of homes become casualties to frozen pipes. As water freezes it expands and no matter the quality of your pipes, expanding water can still cause a pipe to crack or break. Outdoor pipes as well as those that run along exterior walls, attics, and crawl spaces are susceptible due to their exposure to colder temperatures. Also, a hot water supply line can freeze just the same as a cold water line, so it is important to make sure that both supply lines are equally protected.
How to protect your pipes this winter:
 |
Insulation; the better the insulation the better your pipes are being protected: Heating and cooling can account for up to 70% of energy used in the average American home so insulation not only protects your pipes but will also help reduce your energy bills. Typical types of insulation are fiberglass, cellulose, rigid foam board, spray foam, and radiant barriers. |
|
 |
Seal cold air leaks, especially where your pipes are located. Caulk, spray foam or weather stripping are common sealants for seams, cracks, and openings to the outside. |
|
 |
Disconnect garden hoses and shut off and/or drain your water system |
|
 |
Keep your thermostat at a minimum of 55°F |
|
 |
Home Temperature Alarms: These systems allow you to call into your alarm and check the current temperature, power status and even remotely program the unit from any phone in the world. |
|
Remember: “Planning is bringing the future into the present so that you can do something about it now.” ~ Alan Lakein |
|
|
