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Deductibles have been an essential part of the insurance contract for many years. Understanding the role deductibles play when insuring a car or home is an important part of getting the most out of your insurance policy.

DEDUCTIBLE DEFINED

A deductible is an amount of money that you yourself are responsible for paying toward an insured loss. When a disaster strikes your home or you have a car accident, the amount of the deductible is subtracted, or “deducted,” from your claim payment.

Deductibles are the way in which a risk is shared between you, the policyholder, and your insurer. Generally speaking, the larger the deductible, the less you pay in premiums for an insurance policy.

 

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Ice dams can be a real issuein the winter months. Learn what these potential roof hazards are and how you can prevent them from damaging your home.

Have you ever noticed a ridge of ice along the edge of your roof? These ridges are called ice dams and while they may look beautiful, they can cause a fair amount of damage to your home. Thankfully, ice dams are fairly preventable, particularly if you know what signs to look for. Learn what you can do to protect your home and prevent an ice dam from developing.

WHAT CAUSES AN ICE DAM?

Snowfall can cause a variety of roofing hazards that may be hard on your home. One of the more destructive winter hazards are ice dams. If left untreated, they can create a host of problems, damaging both the exterior and interior of your home, including your walls, floors and ceilings.

An ice dam will begin to form when heat escapes your home through the roof due to poor insulation or ventilation, causing the snow on your roof to melt. If your gutters and downspouts are clogged with debris, water will become trapped along the edge of your roof. without anywhere to flow, this water will begin to pool, eventually refreezing and trapping additional water behind it. As the ice dam builds up, water will flow back behind the shingles on your roof, causing damage to the interior of your home.

ICE DAM PREVENTION

If you’re expecting heavy snowfall, there are few steps you may take to prevent ice dams from developing. First and foremost, it’s important to know how to properly clean your gutters, and to ensure that leaves or debris are cleared on a regular basis. Once you’ve experienced heavy snowfall, you should keep an eye on your roof to check for water buildup. If you’re able to do so safely, you may wish to use a snow rake to remove accumulated snow from your roof.

If you live in a region that experiences heavy snowfall on a regular basis, consider taking a few additional preventative measures like insulating your attic floors or having self-regulating heating cables professionally installed on your roof.

Because ice dam removal isn’t a simple process, ice dam prevention should be at the top of every homeowner’s winter weatherproofing checklist. If you can prevent ice dams from forming in the first place, you can save yourself the headache and expense of having to remove them later.

Contact Phoenix Adjusters to find out which types of optional home insurance you should consider to protect your home from water damage.

 

DFS Will Allow Temporary Permits to be Issued to Qualified Out-of-State Independent Insurance Adjusters to Expedite Claims.
Insurers Expected to Allow Claimants to Submit Proof of Claims by Photographs and Video Recordings.

 

https://www.dfs.ny.gov/reports_and_publications/press_releases/pr202008101

Strongest winds since Superstorm Sandy expected! Make sure to bring in any loose items from the outside of your property. If loose items are too heavy, secure the items by tying them down. Also make sure to have batteries for a flashlight, charge your cell phones and fill your car up with gas in case of power outages. Stay inside today and stay safe.

 

https://www.cbsnews.com/news/strongest-winds-since-superstorm-sandy-forecast-to-cause-widespread-power-outages/

Booking a tropical Caribbean or seaside vacation during hurricane season is always something of a gamble. The statistical chances of a hurricane impacting your trip are rather slim, but certainly not zero. And while some years are quiet, with only a handful of named storms threatening tourism areas, overall the trend appears heading toward an increase in hurricane frequency and intensity.

Understandably, this might have you considering hurricane travel insurance for your next trip to a hurricane-vulnerable area. But there are a few things you should know before buying coverage.

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With all the problems hanging over us in these troubled times, I hesitate to add another - Tropical Storm Cristobal - the third named storm on only the second day of the Atlantic hurricane season formed in the Gulf of Mexico Tuesday, the National Hurricane Center said, with the forecast track calling for the storm to strengthen over the next week and move towards the U. S. Gulf Coast.

Even though Tuesday was only the second day of hurricane season, it follows two storms that already formed in May, making 2020 a record breaking sixth consecutive year that's seen a pre-season storm, with both Tropical Storm Arthur and Tropical Storm Bertha having impacts on the U. S. East Coast.

A rare phenomena, called a derecho, occurred from northwestern PA to the NJ coast this past Wednesday, with winds between 61 - 89 mph. With all the problems hanging over us in these trying times, here's one more. A derecho is a long-lived line of severe thunderstorms that travels a single direction for more than 250 miles. The weather phenomena has wind gusts of 58 mph or higher, typically causing straight-line wind damage.

Derechos are sometimes referred to as inland hurricanes due to the hurricane like conditions that occur over land with this weather phenomenon.

One of the most notable derechos in recent memory occurred in 2012, which started in Indiana and blasted eastward through the mid-Atlantic. Severe damage was reported all across the region, including in Washington, D.C.

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