Search Results for: blog what to do when your pipes freeze mitigate your losses

Ask Anna:The Midnight Disaster!

Last night my phone rang just before midnight. The caller I.D. said it was my little brother in California, of course I panicked for a moment as I picked up the phone to talk. My brother’s and I are very close but generally don’t speak in the middle of the night. So naturally I knew something was wrong. The good thing was that no one was hurt, dead or dying. Once I knew everyone was safe, my brother started to explain what his problem was. Freezing temperatures are not the normal thing people in Southern California experience for long periods … Continue reading →

Mitigating Claims Damages–What Does That Mean?

Insurance is a fact of modern life and a comfort for policyholders when a claimable loss occurs. It’s nice to know when something goes wrong that financially an insurance policy is there to help cover the losses we suffer. There are some insured people however, who experience a covered loss, which leaves a new risk for more damage. For example, a tree falls on the roof and leaves a gaping hole where rain falls and causes more damage to personal property. By the time the claims adjuster comes to check things out–the damages are much greater then just a big … Continue reading →

Insurance Blog Week In Review November 29, 2006

Most people just freeze up when the word insurance comes up in a conversation. Sometimes I feel like I know what it’s like to be a celebrity or doctor at the party. People will ask every little insurance question, or tell about a claim they have had, or the worse, talk about how an insurance company ripped them off. Understanding the actual role insurance should play in the lives of my family makes those situations in my life humors. I can usually figure out exactly why someone is upset or happy about their insurance experience within a few words of … Continue reading →

What to Do When Your Pipes Freeze–Mitigate Your Losses!

Frozen water pipes aren’t life threatening, however frozen or broken water pipes do cause damage to homes each winter. Homeowner need to take steps to avoid freezing damage to their house, inside and outside. For information about steps homeowners need to take to avoid the possible catastrophic losses caused by broken water pipes be sure to read the Blog, Don’t Let Your Pipes Freeze-Tips to Avoid Home Water Damage. When the pipes in the walls of a house aren’t properly insulated, they can and often do freeze and rupture. Ice expands and needs more space then water and a small … Continue reading →

Don’t Let Your Pipes Freeze-Tips to Avoid Home Water Damage.

Most homeowners don’t consider the damage from frozen and broken water pipes as catastrophic as a natural disaster, but the damages caused from water pipe failures are one of the most common and least recognized catastrophe losses homeowners suffer every year. Second only to hurricanes, frozen and broken water pipes cause more losses in terms of the number of homes damaged and the total amount of claims paid by insurance companies in the U.S. Repair costs of $50,000 are very common for homes that suffer damage from frozen and broken water pipes. These damages can be a homeowners worst nightmare. … Continue reading →