Find out by taking this quiz.
Just because you haven’t experienced a flood in the past doesn’t mean that you won’t in the future. Unfortunately, your homeowners insurance policy won’t cover flood damage to your home or property; only flood insurance will cover those losses.
You can secure flood insurance to protect your home or business through the Federal Emergency Management Agency’s National Flood Insurance Program. Erie Insurance also partners with American Bankers Insurance Company to offer flood coverage. To learn more about this coverage, contact an ERIE Agent today.
At these speeds, they are capable of destroying structures, uprooting trees and hurling objects through the air like deadly missiles.
Maintaining a Household Inventory Record is important because it details everything you own and the estimated cost to replace lost or ruined items. A Household Inventory Record (stored somewhere besides your home) is an efficient way to request reimbursement for your personal belongings should a disaster wreak havoc.
If you need to rebuild your home or business, does you policy provide adequate coverage? Ask your local ERIE Agent about your coverage and replacement cost options for damaged property.
The biggest initial risk to property is flying debris, which can shatter windows and create holes in exterior walls. Once an opening is created, air rushes inside the structure and pressurizes it like inflating a balloon. If the roof blows off, the entire structure can collapse within seconds.
If a tornado hit your hometown, would you be prepared? When was the last time you reviewed your insurance coverage with your Agent? Give your local ERIE Agent a call today.
To protect homes and businesses against power surges and lightning strikes, the III recommends:
Check out the III video on how to pick a lightning protection system for more information.
To prevent kitchen fires in your home, the U.S. Consumer Product Safety Commission recommends that you:
It also helps to know which foods are the most flammable.
If you notice heavy clothes such as jeans or towels taking a long time to dry or clothes feel hotter than usual at the end of the cycle, a clogged dryer vent exhaust may be the problem.
What’s more, water can also cause significant damage when it seeps in through gaps around windows and doors, pipes, electrical outlets, circuit breaker boxes, and electric and water meters. Go to the IBHS Web site for tips on what to do — or call an expert for advice.
Unlike fire, some of the damage caused by water, such as mold, slow leaks and foundation seeping, is generally limited or not covered by insurance. If you’re not sure what’s covered under your insurance policy, contact your local ERIE Agent.
Pipes in attics, crawl spaces and outside walls are particularly vulnerable to freezing in extremely cold weather. That’s because exterior building holes for television, cable or telephone lines give cold air easy access to pipes.
A burst pipe can cause more than $5,000 in water damage, according to research by the Insurance Institute for Business and Home Safety (IBHS). To learn about extra steps you can take to prevent burst pipes, visit disastersafety.org.
When the tree boughs break, you could be faced with costly property damage. According to the Institute for Business & Home Safety (IBHS), falling trees and limbs account for hundreds of millions of dollars in damage each year. They also cause personal injury and even death and have the potential to destroy homes right down to the foundations.
Depending on the cause of the damage, debris removal may or may not be covered. Refer to your insurance policy for coverage specifics and talk to your local ERIE Agent.
Let your ERIE Agent know about all the changes happening in you and your family’s life at least once per year so he or she can ensure there are no gaps in your coverage.
ERIE’s independent Agents will help you make important decisions about your auto, home, life and business insurance. They’re experienced, hard-working insurance professionals completely committed to giving you the peace of mind you deserve.