Standard Home Insurance and Lightning Damage

The National Lightning Safety Institute gives us the statistics on lighting strikes.
Did you know that the odds for a person to be hit by lightning are quite slim – 1 in 280,000. When it comes to lightning striking a home there is much greater frequency, however: a likelihood of one in two hundred!

The insurance companies seem to underscore the possibility with a 2015 report that found related insurance damage claims surpassed even the high $ 825 million index.
Alarming as it is, the fact that standard home owner insurance can cover this type of peril up to the limits of the particular policy provides a form of peace of mind to those thinking individuals that are concerned about disasters like a lighting strike.

Losses associated with lightning may incorporate the following:

• Damages related to personal property, including things like electronics and appliances

• Structural as well as damages on property that were caused by a fire sparked by a lightning's direct strike

The issues involving lightning strikes are not resigned only to the above information. Read on for a summary on further related matters.

Additional Matters regarding Lightning Damages Coverage to Know

Electrical surges that are caused by a lightning strike may significantly damage connected personal electronic equipment. Possible losses can run into reach immense financial proportions in today's society where electronics is an investment most make. Because insurance payment is based on the actual cash value, equivalent to the present day price for similar items, reduced by depreciation, it may be worth the while of someone in a high frequency lightning occurrence to add replacement cost coverage to their home insurance policy.

Insured homeowners are advised to read through their homeowners' policies to see if additional living expenses are included in coverage. If a related fire makes a home unfit for occupancy while it is being repaired or rebuilt, such coverage will pay for temporary comparable housing accommodations.

Insurance experts also have another underscored recommendation for the homeowner: make sure to draft a comprehensive list of all the items in your home so that in the event of a related claim, there will be less complications to the process.
Just as every face in a household differs in its uniqueness, so does every home owner's exposure to perils. Let an experienced independent agency navigate your homeowners insurance so you know you will have coverage for your individual needs and requirements.

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Your Homeowners Insurance May Not Cover Woodpecker Damage

Meet Amy, City Girl that became a small town resident upon her marriage to George. The stark difference between living in the very center of urbanized civilization and township dwelling was somewhat of an adjustment for Amy. Sure she loved the sights and sounds of nature exposed: the lake, the trees, grass, flowers and the vibrant color of winged birds. Nonetheless, how she missed the hustle and bustle and – yes – even the noise of what she had always recognized as the center of commercial shopping, auto and bus traffic – honking included – and life as she had been bred to appreciate!

Though noise has always been the core of her existence, the incessant pecking on the side of her roof in small town America where she currently had set up residence did absolutely no good for her nerves. Five o'clock in the morning, you see was far too early for a woman of the world such as she to be rudely awoken from her slumbering state. And the fact that the pecking was coming from a fine feathered 'friend' known most commonly as the woodpecker did little to placate her uneasiness.

Then came the crunch that really threw Amy off. It appeared as the bothersome woodpecker had begun to incur damage on her lovely home! But nothing could appease Amy when she discovered that her standard homeowners insurance policy did not even cover the damages and losses she now suffered!

"You see, Ma'am," explained the nice insurance agent, "insurance companies simply do not cover general home liability that has been wrought through negligence. In fact, they view woodpecker damage as something that could have been avoided through proper home maintenance . "

If only Amy had known! She most certainly would have confronted the little peril with a vengeance. Now it appeared that it was too late and she and her husband would have to bear the losses through out of the pocket expenditures.

They say life is a great teacher. Amy knows better than most.

"Learn from me," says Amy, former city dweller. "Don't let pests get the better of you or your home risks will!"

How does one tackle a woodpecker problem? There are a number of hands-on methods:

• Go out and purchase a tool that's on the market in regard to woodpecker deterrence.

• Surround outside home spots that connect to the roof with wired fencing.

• Attach colorful tape below roof and around the roof's gutters.

• Seal attic holes and house siding with caulk or other materials.

• Hire a pest eliminating firm to take care of the problem.

• Explore your own creative to tackle the nasty wood-pecking problem.

Ask Amy. She'll tell you forearmed is indeed forewarned: speak to an independent insurance agent about your homeowners insurance policy to make sure it is tailored to your needs.

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Nursing Malpractice Insurance – Myths That Damage a Nursing Career

Have you insured your home or car? Your answer will be of course. When people wish to protect these assets, many nurses fail to protect their precious asset, which is their career. In the present recession period, these professionals should take all sorts of steps to safeguard their precious career. But, why are nurses keeping away from purchasing a nursing malpractice insurance for them? It is because of the many myths they hear about such a coverage that discourages them from getting insurance for safeguarding their professional license. It is important that they should examine these myths, so that those working in the field of direct patient care will understand the importance of having this type of coverage. This will also help them in terms of representation in case a lawsuit is filed against them, even when the mistake is not on their part or otherwise.

This insurance will increase my risk of being sued: Some nurses keep themselves away from purchasing nursing malpractice insurance because they feel that this coverage will make them open as targets for lawsuits. But, this is not true. Unless you voluntarily inform potential claimants that you are covered, they will never come to know about your coverage. It will not be known to others unless and until a lawsuit is filed against you for one reason or another.

However, having such a coverage might keep a nurse in a lawsuit because attorneys keep a defendant in a case if the defendant has the coverage to pay for the potential judgement or settlement. In the past, not having an insurance, brought benefits to nurses because lawyers dropped them out of the lawsuit. It is due to the reasoning that nurses do not have finances to handle the case.

I am covered under by employer’s insurance: Even though, it is true that nursing staff are covered by the hospital for which they are working, it is recommended that they should have their own coverage. This is because the employer will not claim the insurance company if a lawsuit is filed against a nurse for services rendered outside hospital hours. Also, the money covered by the employers might not be enough as well. So, it is better that you should personally get a coverage.

I don’t need an insurance because I am good in my profession: It is true that you might be confident in you. But, we are humans and mistakes can happen anytime. Also, there are chances that you might be mistakenly sued by a patient for something for which you are not actually responsible.

Like for nurses, dental malpractice insurance is also important for dentists. Dental malpractice insurance will cover them against their professional mistakes.

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Homeowners Insurance Options – What is Good Neighbor Property Damage?

There is a certain type of coverage option that is often included in a standard homeowners insurance policy that many people are not aware of. It is called the good neighbor property damage coverage. For people who have it, and many do, it will provide you terrific protection for damage caused to your neighbors home that you would be considered liable for.

How does it work? Simple. Coverage is provided for damage caused to a neighbors home by you cutting down a tree and having it smash in their fence. Or, coverage is provided if your kids are playing ball in the front yard and a ball goes through a neighbors window. Surprisingly, coverage is provided even if your neighbor can prove that your kids did damage to their home intentionally.

Damage caused to your neighbors house by pets is also covered with this good neighbor property coverage. If your dog chews a hole in their fence or gets into your neighbors home and destroys their carpet or furniture, you are covered.

The amount of coverage provided varies from insurance company to insurance company but most coverage limits are between one thousand dollars and two thousand dollars. The best part about it is there is no deductible that needs to be paid when making a claim. Simply contact your insurance company and explain what happened. Sometimes you will have to come out of pocket to repair the damage, then wait for reimbursement. Other times, the check will be sent out immediately once the damage to your neighbor’s home is assessed.

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Does My Auto or Homeowners Insurance Police Cover Mailbox Damage?

Since 2013, the United States Postal Service has furthered a move that will save the agency billions of dollars. By requiring owners of newly constructed homes to use curbside mailboxes like those used by millions of other homeowners and renters, associated costs will be cut significantly.

Though the change favors cost-cutting efforts, it does involve a degree of inconvenience for those used to the traditional delivery at the door front. That downside, however, does not compare to the real risk the newly introduced location – near the road – presents: exposure to damage from a colliding auto or other type of vehicle.

Due to the fact that mailboxes located at the side of the road are in close proximity of constant car and truck movement, there is an extremely heightened risk of them getting hit and damaged.

Can I File a Related Insurance Claim?

Should another driver hit your mailbox, be sure to ask for his phone number and address as well as his driver’s license information. Following that, make an official police report and file an insurance claim with the driver’s auto insurance. Buy another mailbox like the one you are replacing and save the sales slip so that there is cost proof for insurance recompense.

As life goes, chances are you may not be home if and when your mailbox gets damaged by another car. Then what, right?

Check your doors for contact info that may be left by a summoned police officer or the driver him or herself. You can also call the police and see if there was a police report filed about the accident. In the event you do not discover a note with pertinent contact information or anything about an associated police report, be sure to file a hit-and-run accident police report as soon as possible. If that leads you nowhere, you can still opt for a homeowners insurance claim. Be prepared for either a flat out denial or a denial based on not meeting deductible requisites, though.

In the event your mailbox retained damage due to vandalism, you can do either of the following:

• Make a police report so that you will get repaid by the vandal when apprehended as part of a court decision.

• You can also see if your homeowners insurance policy will cover you for an act of vandalism of this sort. Consult with your independent insurance agency for a professional take on the matter.

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