Prepare your building to weather the cold

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Temperature extremes from summer to winter place a heavy burden on the buildings we live in and the places we work. With little warning, gusting winds, heavy snow and bitter temperatures can create a weather event that could collapse your roof, freeze and rupture your piping and cause havoc in your life.

But prudent loss control strategies you implement before winter can protect your home or business and minimize the impact of weather-related property damage, business interruption and other losses.


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Additional coverages keep you afloat after a flood

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Ongoing patterns of severe weather mean homeowners and business owners have experienced everything from record snowfalls and tornadoes to recurring storms with wind, hail and record amounts of rainfall – all leading to a record number of flooded homes and businesses.

Water claims under personal or business insurance contracts can be confusing and easily misunderstood, and standard insurance does not cover everything.


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After the storm: What do I do next?

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The storm has passed and your family is safe. You took all the necessary precautions such as having an adequate supply of drinking water and a flashlight. You may have even purchased a generator to ensure uninterrupted electricity in the event of a power outage. The steps you take next are equally important in keeping your family safe and presenting a claim in the event there is damage to your home, auto or personal property. Your first priority should always be addressing safety concerns: Pay attention to the possibility of[…..]


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When water is not your friend

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Refrigerators, water heaters, dishwashers, washing machines and toilets can be sources of leaks that can cause significant damage if not detected early. A burst pipe with as little as a one-eighth-inch crack can release 250 gallons of water a day, according to the Insurance Institute for Business and Home Safety. The most effective way to prevent costly water damage in your home is to install a leak detection and water shut-off system. There are several levels of protection that can meet the needs and budgets of all homeowners:


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