Running over the entire summer from June 1st to November 30th, hurricane season brings serious damage risks from high winds, rain, and flooding in storm-prone regions. Is your biggest asset well protected? Your home is most likely your family’s most valuable investment. Know that your current homeowner’s insurance policy may cover some damage brought on by a hurricane, but not all.
Running concurrently with hurricane season, wildfire season is a period when wildland fires are likely to occur, spread, and affect resource values sufficient to warrant organized fire management activities. Higher temperatures, reduced snowpack, increased drought risk, and longer warm seasons are increasing wildfire activity in the western United States.
Make sure you have the proper coverage
Review your homeowner’s insurance policy today to make sure your policy is up-to-date and you are properly protected for anything that may happen. Here are a few tips regarding damage brought on by hurricanes and wildfires.
In most states, standard homeowner’s policies cover damage caused by wind, including hurricanes. But if you live in a high-risk coastal state you might need to buy separate windstorm insurance. Check with your insurance company as it might also be available as a rider on your current policy. Windstorm insurance covers damage from any high wind, not just hurricanes. The cost of a separate windstorm policy depends on the amount of your deductible, where you live, and how much it would cost to rebuild your house.
Flood damage brought on by, or as the result of, a hurricane is not typically covered in a private homeowners insurance policy. U.S. law requires people to purchase basic flood insurance if their home is in a designated high-risk flood area with a federally backed mortgage. (See floodsmart.gov for more information.) But in 2017, Hurricane Harvey showed that flooding can also damage properties outside the highest-risk zones and affect homeowners who weren’t required to buy the additional coverage.
Check with the National Flood Insurance Program as you may be able to purchase a separate flood insurance to help cover such damage in your area.
Flood insurance policies impose a 30-day waiting period between the time you buy and the time coverage takes effect, so review your policy today. If a major storm has been forecast, there’s a chance that your current coverage will be locked in until that major weather event has passed.
Damage from wildfires and forest fires is most likely covered by your homeowner’s insurance, but coverage may vary by geographic location and by policy. You may also find that some insurers do not sell homeowner’s policies in areas where wildfires are common, or it may be offered by paying a higher premium. Check your policy or contact your agent to learn about terms and coverage limits.
The Insurance Information Institute (III) recommends reviewing the amount of coverage you have in place and make any necessary adjustments to help ensure your limits are in line with the potential cost of repairing or rebuilding your home.
Whether you’re buying homeowners insurance, flood insurance, windstorm insurance or wildfire insurance — or all four — make sure you have enough coverage to pay for the full cost of rebuilding your house. Your insurance agent can help you pinpoint the right amount.
If you find yourself dealing with a temporary situation, past grievances or painful memories this holiday season, remember to maintain traditions. Make a meal or bake cookies with loved ones, learn how other cultures celebrate the holidays, donate your time to a charity or soup kitchen or simply enjoy time by the fireplace sharing stories. Do you have special traditions that feel like home? Share them with us on social media, #CRSathome, we'd love to add a few to our repertoire. From all of us here at CRS Temporary Housing, we hope you find your place this Holiday season and hope that place will feel like home.
Today, we're thankful for @CRSTempHousing - they thought of everything. Our family has spent the last couple days in a comfortable, fully-furnished house that can be our "home" for the holidays. Great company that truly cares. Thanks!— Chris Nelson (@LimitedWisdom) November 30, 2017
"Places make us who we are, and we relate to them in an emotional, spiritual and physical way."Link(s): https://www.nationaltrust.org.uk/documents/places-that-make-us-research-report.pdf
Is thinking about December and the end of the year holidays starting to get you stressed? Join the club!
But, let’s take a step back and maybe not join that ridiculous group. We can make our very own holiday magic by saying “no” more this holiday season. Sound harsh? We don’t need to go full on Grinch, but it might just be worth your while.
Here’s a few things you can, and possibly should, say “no” to this upcoming holiday season.
Choose presence over presents. Give and receive gifts with love and gratitude this season but remember that love isn’t inside the box. You can’t prove how much you love someone by giving them a present.
Lack of money is one of the biggest causes of stress during the holiday season. Try setting a budget this December, and don’t spend more than you’ve planned. It’s okay to tell your child that a certain toy costs too much. Be smart and don’t buy gifts that you’ll spend next year trying to pay off.
As your calendar gets a little crammed between now and the end of the year, decide what really matters to you. Spend time each morning or evening and take a good look at your day. What’s important? What’s not? Just because you have empty space on your calendar doesn’t mean you need to fill it with appointments and obligations.
Don’t say no because you’re so busy. Say no because you don’t want to be so busy. Especially in this busier season of work and holidays, down time is more important than ever. Put on your coziest jammies, make some tea and grab a book and enjoy YOUR time.
Think about if you really need that 2nd plate or 3rd cocktail. Remember how miserable you were after Thanksgiving dinner? Instead of abandoning the things you know are good for you in the name of enjoying the holiday season, dig in deeper. Sleep 7-8 hours a night and spend more time nourishing your body, heart and soul.
Taking care of yourself should be at the top of your list. If you don’t take care of yourself, you can’t take care of anyone else.
As the leaves begin to fall and the heat of summer fades, we naturally begin to think about how we need to prepare for the changing season. Do we start to replace summer clothes for sweaters, pants, and boots? Is it time to think about putting down the storm windows? When do we move the shovel and salt closer to the garage door?
These are all great questions and items on many people’s lists. But how else can we better prepare ourselves for what else might be coming next?
As we prepare for fall, we also come to the end of National Preparedness Month (September 2017). We hope that you have thoughtfully taken steps to prepare yourself, your family and your home for potential natural disasters and national emergencies. With the devastation we’ve recently seen with Hurricane’s Harvey and Irma, and the recent earthquakes in Mexico, we know that disaster can strike at any time and any where.
Here’s a checklist to help guide you in making a plan for you and your family:
Homeowners insurance not only protects your home, which may very well be your largest investment, but gives you a sense of security. The general assumption is that whatever happens to your home is covered. In actuality, typical perils (causes of property destruction) that are generally not covered are flood damage, earthquake, mold, acts of war and parts of the property in disrepair (including worn-out plumbing, electrical wiring, air conditioners, heating units and roofing). A few of these can be added as separate policies.
Educate yourself on what your policy does and, more importantly, does not cover.
It’s also important to consider your home and how to prepare it for the upcoming colder seasons. Here’s a helpful Home Fall Checklist from our friends at Better Homes & Gardens:
After conducting an impromptu CRS office survey this week, turns out that we’ve fallen in love with Fall. For our sports fans, football has finally started and MLB playoffs are in full swing (#cubs). Food-lovers have chosen autumn for all the wonderful pumpkin-related offerings like pumpkin latte, and it’s time to switch back to hot coffee. For some, cool nights unleash a craving for hearty beers, whose colors mirror those of the turning leaves. More nostalgic folks long for the time to wear boots and sweaters while pulling the cozy blankets out of the closet. With the smell of crisp fall air and refreshing cool breezes, time spent with family by the fireplace is savored and remembered throughout the year.
I was not surprised when CRS employees chose Fall as their #1 season. The reason being, our home office is located in Phoenix, AZ where the summer high temperatures can get to 115° and lows at night are in the upper 90s. So when the average highs drop down into the 80s, it’s a welcome relief from the sweltering summer days and ongoing efforts to stay cool.
Having grown up in Ohio and then lived in Chicago for 16 years, Summer was undeniably my favorite season. Chicago summers offered a myriad of outdoor activities not to be missed: From farmers’ markets to music festivals to heading to see my Cubs at Wrigley. But I must say, #IMWITHFALL now that I’ve been an Arizonian for 2 years. The basic AZ summertime goal is to get thought it without melting, passing out from heat exhaustion or getting air conditioning-induced frostbite.
So whether you choose fall for sports, weather or family, all that matters is that you enjoy it to the fullest. Here’s a few fall and winter tips to lengthen your house or condo’s lifespan and energy efficiency: