How to Prepare Your Home for Hurricane Season

 Insurance  Comments Off on How to Prepare Your Home for Hurricane Season
Jun 302016
 

hurricane seasonIf a hurricane were to severely damage your home, would your existing policy be enough to pay for all of the expenses?  Hurricane season has officially begun, which means now is the time to review your homeowners insurance coverage.  At OceanPoint Insurance, our professional agents can examine your current coverage and help you attain the protection you need to weather potential storms. Before you schedule an appointment with us, we have compiled a checklist of a few tips and procedures to complete:

  • Check the limit of your current policy: The real estate value of a house is not the same as the cost to rebuild.
  • Find out what disasters are covered by your existing policy: Standard homeowners insurance policies provide coverage for a variety of disasters. However, all policies also list exclusions, such as floods and earthquakes, which are not covered by the policy.
  • Examine your current policy to see if it includes flood insurance: In case you are not aware, flood insurance may or may not be included in your existing policy. If you live in a flood zone or a hurricane-prone area, purchasing a separate flood insurance policy is a must.
  • Complete a home inventory: Do you know how much it would cost to replace all of your personal possessions? Regardless of whether or not you believe that your coverage is adequate enough, conducting a home inventory is a great way to determine what you do and do not need.
  • Secure your home: Repair loose boards, shingles, shutters, downspouts, etc. These repairs could become greater problems in high winds or torrential rain. If you live near the coast, purchase and store materials you may need to board up windows.

Don’t wait to review and update your insurance until after you have a loss. Call your OceanPoint Insurance professional today at 401.847.5200 to obtain the insurance protection that’s best for your needs and budget.

 Posted by at 5:28 pm

Hosting a Summer Party?

 Insurance  Comments Off on Hosting a Summer Party?
Jun 302016
 

summer partyIt is the season of barbeques and backyard parties, and while we look forward to these fun events many hosts don’t realize how much risk they take on. Before you host your next graduation party, cocktail party, and even birthday party, be sure to protect yourself and your guests.

Here are some tips for keeping your summer party safe to avoid claims on your homeowners insurance:

  • Before a party, take the time to make sure that your yard (or party area) is free of uneven patches of ground, mounds and holes, and make sure that entryways are clear of tripping hazards.

Grill SafetyAccording to the National Fire Protection Association, each year an average of 8,900 home fires are caused by grilling. While nearly half of the people who grill do it year-round, July is the peak month for grill fires.

  • Check gas grill hoses to ensure they’re not blocked, cracked or damaged, before use.
  • Operate your barbecue on a level surface, away from your house, garage and landscaping. Don’t move the grill once it is lit.
  • For charcoal grills, use only lighter fluid designed for grilling. Never use gasoline or other flammable liquids, and never add more lighter fluid once the fire has started.
  • Avoid all grilling activities in enclosed areas. Charcoal grills produce carbon monoxide (CO) fumes, which can be fatal in unventilated areas.
  • Always have a working fire extinguisher nearby.

Pool SafetyThere are on average about 5,100 pool-related injuries per year, according to the CPSC.

  • Install a gated fence around your pool to prevent small children and pets from gaining unassisted access.
  • Equip your door, gate or pool with an audible alarm to alert you if someone enters the pool area or falls into the pool while it is unattended.
  • Make sure no one swims alone. Never leave a child unattended in the water or pool area, and see that less experienced swimmers are always accompanied by a swimmer who has water life-saving skills.
  • Check the deck for safety hazards.
  • Become CPR certified

Fire Pit Safety

  • Your fire pit should be at least 10 feet away from any structure or combustible surface.
  • Always have a container of water nearby and a garden hose on standby before starting the fire.
  • Don’t use flammable fluids (gasoline, lighter fluid, etc) to light or relight fires

If you plan on taking advantage of the summer weather by throwing a party, make sure you have all the protection you need. If you have any questions about what you are covered for by your current policies call OceanPoint Insurance at 401.847.5200.

 Posted by at 5:26 pm