Cleaning up water damage in your home

 

Curling rolls of soggy carpeting and area rugs…Soaked cardboard boxes of photos and other treasured documents… Matted and misshapen stuffed toys…Water-stained sofas, recliners and lampshades…

Sadly, mounds of these and other damaged goods are becoming an all-too-frequent sight at our curbsides and alleyways.  The intense storms of the last few years have brought record amounts of rain, leaving many homeowners with water damage from flood, backup or seepage.  But whether you’ve got rainwater seeping in your basement walls, or a leaky pipe, water has the potential to cause a large amount of damage in very little time.  If you are currently dealing with water damage in your home, be sure to follow these steps to minimize the effects and additional loss.

 Locate the Source

If the water is caused by a leaky pipe, faucet or appliance in your home, you’ll need to locate the source of the leak.  Always be sure to turn the electricity off before searching for the cause in order to avoid electrical shock.  In the case of weather damage—be it  hard rain or hail entering your home through a leaky roof, or a backup through a sewer drain—you may not be able to stop the flow completely.  Take any action possible to block or divert the water from entering your home, and insure that all exterior drainage systems are working effectively until the rain subsides.

 Assess Damage

After you have located the source of the water damage and mitigated the potential for further loss, you should assess the damage.  In cases of minimal damage, you can likely clean up the mess on your own, with the right tools and equipment.  In severe cases, where flooring or drywall is flooded or warped, you will need to consult a professional restoration company who can take proper precautions to avoid irreparable long-term mold damage.  As a homeowner, it is important to act quickly in situations of water damage.   Delaying even a few hours can be harmful to your home and the health of your family.

 Drying Out

In cases of minor damage, the first thing you should do to reduce the chance of mold is get a breeze of fresh air running through your home.  If the rain has stopped, open windows, turn on ceiling fans, and bring in additional high-powered fans.  Not only will the air flow decrease your drying time, it will reduce the chance of lingering mildew smells.  Setting up a quality dehumidifier will help remove the moisture molecules that cannot be seen.  Check the tank often and clean it as necessary.  Taking these precautions swiftly and diligently will reduce the chance of long-term mold and mildew.

 Damaged Valuables

When you have the fans and dehumidifiers in place, scan the area for any damaged valuables including papers, bills, photographs and books.  For items that can easily be replaced, throw them away as soon as possible.  Photograph or photocopy anything of significant value.  Photographs and other items of sentimental value can be placed in a freezer to be preserved at a later date.

 Cleaning Up

A wet/dry vacuum is one of the most important tools for water damage cleanup.  If you have wood floors, water will need to be removed as soon as possible to avoid warping.   For carpets and furniture, clean up quickly, and if salvageable, try to allow for sufficient drying time before replacing.  Treat submerged surfaces with mild detergents to kill bacteria and prevent odors.  Professional cleaning services can help in situations of extensive damage.

 If you are cleaning up water damage in your home, and you think you might need a referral for professional help, or help filing a claim, contact us today–we can help!

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Be prepared to weather summer storms with business income insurance

A recent survey of small business owners indicated that over half of those that responded do not have business income coverage.  In fact, over 60% of respondents said they were unfamiliar with the very concept of business income insurance.  Business income insurance, or business interruption insurance, covers the loss that a business suffers following a disaster, while its facility is being rebuilt.  A property insurance policy will cover the physical damage to a business's facility, while the additional coverage of a business income policy will protect the profits lost during the time of rebuilding. 

As we find ourselves in the thick of summer storm season, can small businesses really afford to go without this important coverage?

Here are a few sobering facts:

  • 43% of businesses that experience a serious loss never reopen;  28% of those that do open, close within three years.
  • 40% of South Carolina small businesses closed by Hurricane Hugo in 1989 never reopened.
  • 75% of small businesses in Florida were found to be underinsured following Hurricane Andrew.
  • 95% of business income losses countrywide do not adequately compensate the insured–85% are underinsured by 40-50%.

If you have concerns about your own business income insurance, contact your agent before it is too late.  For a business insurance quote, call 708-383-9000 or click here, and an experienced agent can recommend the business income insurance that is appropriate for your small business.

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What do you know about distracted driving?

 

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Which part of your car do experts suggest you check every month?

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Top Ten Boating Safety Tips

Ah….summertime!  Time to pack up the car and hurry down to the shore or lakeside for some fun!  For many of us, this means getting the boat in the water for the season.  In fact, there are close to 13 million registered recreational boats in the US.  With those numbers, it's no surprise that in 2009 alone, there were nearly 4,800 boating accidents reported, the damage of which totaled more than $36 million.  

Though these numbers are sobering, the risk of accident–and injury–can be minimized by following a few safety guidelines.  The next time you launch the SS Minnow, be sure to consult this list, provided by our friends at ACE Recreational Marine Insurance:

Top Ten Recreational Boating Safety Tips

  1. Always wear a life jacket and insist that your crew and guests do the same.
  2. Never drink alcohol while boating.
  3. Operator errors account for 70% of boating accidents–take a boating safety course.
  4. Stay in control by taking charge of your safety and that of your passengers.
  5. Understand and obey boating safety recommendations and navigational rules.
  6. Operate at a safe speed and always maintain a careful lookout.
  7. Check the weather forecast.
  8. Hypothermia is a significant risk factor for injury and even death while boating.
  9. Use a carbon monoxide (CO) detector.  CO can harm and even kill you inside or on the deck of your boat.
  10. File a float plan.

And remember….you can always have your vessel checked for safety–at no cost!  The US Coast Guard Auxiliary and US Power Squadron offer Vessel Safety Checks, free of charge.  Their certified vessel examiners will check you boat's equipment and provide info about its use, safety procedures and applicable regulations.  Visit the US Coast Guard website at www.uscgboating.org/fedreqs/default.html for more information.  To see the complete list of safety tips, click here.

 Forest Agency can offer you many different options on boat and recreational vehicle insurance to help you protect your investment and provide you with third party liability insurance.  Request an online quote today!

 

 

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Ways to help residents of tornado-stricken Joplin

After the devastating mile-wide tornado that ripped through Joplin, Missouri last month, many of us are wondering how to help this suffering community.  Oak Park River Forest Patch has written about two Oak Park, IL businesses, Loro Auto Works and Tan Travel, that are collecting donations through June 4.    The items that are needed most are:

  • Non-perishable food
  • Bottled Water and juice
  • Baby supplies (including diapers, wipes, A&D Ointment, baby food, nursing supplies)
  • First-Aid supplies
  • Deodorant
  • Soap & body wash
  • Powders
  • Shampoo and conditioner
  • Toothpaste and tooth brushes
  • Feminine products
  • Toilet paper
  • Tissue
  • Towels
  • Hand sanitizer
  • Diabetic monitors with strips
  • Over-the-counter medicines
  • Cleaning supplies
  • Pet food
  • Sunscreen and bug spray
  • Dishwashing soap
  • Laundry detergent
  • Ziploc bags
  • Bug Repellent
  • Sunscreen
  • Thermometers
  • Denture Paraphernalia
For more information on the drop centers, contact Loro Auto Works at 708-524-2950, or any of these organizations that are working on providing relief:
 
 
 
 

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Wedding Insurance: What does it cover?

The latest figures show that the average American wedding costs right about $25,000, but many lovebirds are investing much more than that planning their special day.  With so much time and money on the line, more and more couples are choosing wedding insurance to protect their investment and avoid unnecessary stress in case of an emergency. 

Each wedding insurance policy is different, but a policy can include a variety of different benefits.  Many policies include coverage for mishaps at the event location.  This could protect against cancellation or loss of deposit because the site has been suddenly closed after a fire or major accident.  With the downturn in local economies, we’ve all watched area restaurants and caterers shutter their doors with little warning, and the prospect of losing your investment to reserve a space—on top of having to find a last minute location—could be overwhelmingly stressful.

Some policies also protect against problems with vendors (photographers, bakers, musicians) or damage to wedding attire (including the dress!), special coverage for jewelry, gifts or on-site liability.  There are even policies that cover extreme weather or alcohol-related incidents.  Unfortunately most policies do not protect against the bride or groom getting cold feet!

Are you planning a wedding for the coming months?  Forest Agency offers wedding insurance! Check out the sample rates and purchase a wedding insurance policy here.

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Do you know the difference between water backup, seepage and flood?

Heavy rains can trigger a water backup. A storm sewer or sanitary sewer backs up into your home and usually comes in through a sump well, or fixtures in the basement (or lowest level).  Sump pump failures can occur because of power outages or motor failures. Water backup coverage is available as an additional endorsement to your homeowners' or business insurance policies.

Seepage is water that comes through cracks in the foundation, and generally cannot be insured. There are several companies that can help to waterproof your foundation to limit this risk.

A flood is an excess of water (or mud) on land that's normally dry, causing water to come in through a door or window well. Floods often happen when bodies of water overflow due to heavy rainfall or thawing snow. You don't have to live near water to be at risk of  flooding. A flash flood, which can strike anywhere without warning, occurs when a large volume of rain falls within a short period of time.

Buildings, roads and parking lots are being built where open land used to be, decreasing the land's natural ability to absorb water.  And changing weather patterns have made recent floods more severe and increased everyone's chance of being flooded. 

Most homeowners' insurance policies don't provide coverage for this risk. That's partly because flood dangers are so widespread, so the task of insuring against them has been handed to the Federal Emergency Management Agency (FEMA) through the National Flood Insurance Program. You can check the threat in your area by viewing flood maps held by FEMA . Learn more about floods.

Spring and Fall are the seasons for water backup and floods! If you are concerned about your risk, contact us to discuss your options.

 

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Potholes Can Cause Serious Damage to Your Car

Now that the snow and ice are melting away from our roads and highways, drivers are faced with a new challenge….potholes!

After the toll Winter's taken on the asphalt, potholes seem to appear at every turn.  Some heavily-traveled roads can feel like veritable obstacle courses. Potholes can cause serious damage to your car's wheels, tires and suspension alignment.  Some craters can even cause more significant damage like bent or broken control arms and tie rods, or even a fractured undercarriage.  Fortunately, insurance coverage for damage from potholes is available as part of your automobile insurance policy.

Damage to cars due to potholes is usually covered under the optional collision portion of an auto insurance policy. Coverage for potholes may vary from company to company—for instance, there may be limited coverage for damage to tires if the car itself was not affected by the pothole. This coverage also pays for a collision with another car, object or as a result of flipping over. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher the deductible, the lower the premium.  If you have questions about whether you have adequate coverage, contact your agent.
 
 
AAA, the nation's largest organization for motorists offers the following helpful tips to minimize damage from potholes:
  • Maintain full air pressure in all tires to provide as much cushion as possible between the pothole and the rim of your tire. Consult the vehicle owner's manual for the recommended pressure.
  • Watch for potholes by leaving plenty of space between your vehicle and the one in front of you. Before swerving around a pothole, be sure to check surrounding traffic.
  •  If a pothole cannot be avoided, slow down. Hitting a pothole at high speed increases the chance of damage to tires, wheels, shocks, struts or springs.
  • When driving over a pothole-filled road, hold the steering wheel firmly to avoid losing control.
  • Do not brake when directly over a pothole. Applying the brakes causes the car's weight to shift to the front of the wheel and can increase damage from the impact.
  • Beware of water that may be concealing a deep pothole.

 

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Forest Agency to Sponsor Appraisal Event in Oak Park

Forest Agency is excited to be participating in an appraisal event coming to Chicago's Western Suburbs this month.  On Saturday, February 19, from 10AM – 2PM  the Historical Society of Oak Park and River Forest will be hosting What's It Worth? at the 19th Century Club, 178 Forest Avenue in Oak Park.  The event, which promises to  be reminiscent of the popular PBS television program Antiques Roadshow, will give participants the opportunity to receive appraisals of their jewelry, fine art, furniture, decorative arts, fine books and manuscripts.  Leslie Hindman Auctioneers will be on hand to help you value your treasures, providing a professional appraisal for $10 per item ($25 for three).

Representatives from Forest Agency will be there to provide advice on how to insure your precious valuables and will be holding a promotional drawing for a $50 gift card and more.  Stop by our table and say hello!

Reservations Suggested:
708-848-6755
Register Online

Date:  Saturday, February 19

Time: 10AM – 2PM

Nineteenth Century Club
178 Forest Avenue
Oak Park, IL 60302
 
Questions?  Call or email us!

 

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