RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

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How-to File a Home Insurance Claim

August 29, 2017 1:03 am

Hopefully, you never have to use your homeowner's insurance. But that doesn't mean you shouldn't know how. To help, the I.I.I. offers the following tips on how to file an insurance claim:

Contact your insurer as soon as possible to begin the process. Provide your insurer with your policy number and the best phone number and email address at which to reach you. After a major storm, insurers visit those with the most severe damage first. Be prepared to provide an accurate description of the extent of the property damage. Explain any special needs of your family, particularly if personal circumstances require that you get priority. Ask your insurer when you can expect to be contacted by an insurance adjuster so you are ready for the visit. Since adjusters may be in areas in which cell phone towers are damaged, it is also a good idea to get the phone number of your adjuster's supervisor so you have an additional contact. If you have a flood insurance claim, contact the agent or broker who sold you the policy to start the claims filing process.

Document your loss. The insurance adjuster most likely will inspect the damage to your home, auto and possessions in order to write a check to help you replace, repair and rebuild. It is a good idea to take photographs and document the details of damaged items, including the date of purchase and approximate value—and collect receipts, if you have them. Many companies will ask you to submit an inventory of the items.

Check with your insurer before discarding damaged items and materials. You will generally need to show storm damaged items to your adjuster. If, however, you are required by your local municipality to discard them for safety reasons, take photographs to help with the claims process.

Sign up for SMS/text alerts. Many insurance companies use SMS/text message alerts that will notify you of the status of your claim. You will receive text messages on your phone when you first report your claim, when your estimate is available and when a payment has been sent.

Know what emergency services are available. In the event you need emergency services, such as removing water from your home, covering your roof, or boarding up windows or doors, many companies will dispatch an approved emergency services company to protect your home from further damage. If your home has sustained severe damage, making it unlivable, your homeowners insurer will provide you with a check for additional living expenses.

Keep a claim diary. Good recordkeeping is important when filing a claim. Make a list of everyone you speak to about your claim. Note their name, title and contact information. Also, keep track of the date, time and issues discussed. The better organized you are, the simpler and easier the claims process will be.

Source: Insurance Information Institute

Published with permission from RISMedia.


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Where to Find the Best Fall Foliage

August 28, 2017 1:03 am

Hoping to take in the views this fall? You're not alone. Every year in September and October, thousands of Americans make a seasonal trek to witness the changing of the leaves. Below, Cheapflights.com offers tip and our picks for top leafing peeping spots at points throughout the season.

If you're traveling in early September

Aspen, Colo. Leaf peepers have to act fast in Aspen, Colo., as the start and end of the changing of leaves from green to yellow, orange and red typically lasts just a week. It's difficult to predict when the leaves will change, but, once they arrive, it's easy to get Instagram-worthy pics. Stroll through downtown Aspen, kayak the Roaring Fork and Colorado River, hike Snowmass and ride the Silver Queen Gondola to the top of Aspen Mountain — there are leaf peeping options for everyone.

If you're traveling in late September

Kootenay Rockies, British Columbia, Canada - Located in southeastern British Columbia, the Kootenay Rockies afford leaf peepers picture-perfect fall foliage. A short drive from Canadian Rockies International Airport, the region known for its glacier-capped mountains, rivers and alpine lakes, is an increasingly popular spot for seeing autumn leaves change. Head to this scenic spot, nestled along the Rocky Mountains, to admire fall's hues via a multi-day hike along the Rockwall Trail, a soak in natural hot springs or a drive along the Hot Springs Circle Route, a route along the Columbia River and past hoodoos (tall, thin rock formations caused by natural erosion).

Upper Peninsula, Mich. - With 7 million acres of tree coverage, the hardwood forests of Michigan's Upper Peninsula turn fiery red, gold and orange between mid-September and mid-October. Keweenaw Peninsula, technically an island separated from the rest of the Upper Peninsula by the Portage Canal, is one of the most picturesque places to leaf peep because of its abundance of sugar maples, birch and oak trees all aglow. Drive along the 9.5-mile Brockway Mountain Drive, which affords bird's eye views of Lake Superior, flanked each autumn by colorful fall foliage. Houghton County Memorial Airport is just 7 miles from Keweenaw National Park, making it an easy journey for hopeful leaf peepers.

If you're traveling in early October

Stowe, Vt. -There are plenty of places to leaf peep in Vermont as forests cover 3 quarters of the state, and Vermont boasts the highest percentage of maple trees in the U.S. The color change starts in northern Vermont near the Canadian border and at higher elevations in early September and progresses south and into the valleys from late September to the end of October. The fullest color can be found from late-September in the north to mid-October in the south. The first 2 weekends of October are the state's busiest of the year, according to Vermont Department of Tourism & Marketing, so early trip planning is advised as accommodations fill up quickly. One of the best places for leaf peeping is Stowe, Vt. Known for its ski resorts, Stowe is approximately 50 miles and just under 90 minutes by car from Burlington International Airport. Driving along Smugglers Notch mountain pass affords picture-perfect panoramas. Plus, the area includes points of interest like the Alpine Slide at Stowe Mountain Resort and Bingham Falls.

If you're traveling in late October

Oakland, Md. - The tiny town of Oakland, Md., in west-central Maryland is arguably one of the best destinations for leaf peeping in the mid-Atlantic and beyond. It's worth the 160-mile drive from Washington Dulles International Airport or 175-mile drive from Ronald Reagan Washington Airport along the state's scenic byways. Here, the changing fall foliage is celebrated during the Autumn Glory Festival, which celebrates its 50th year Oct. 11-15, 2017. The free, 5-day fall festival includes parades, concerts, art exhibits, and arts and crafts.

Source: Cheapflights.com  

Published with permission from RISMedia.


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