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

My Blog

A Winter Survival Kit for Your Home

December 21, 2015 2:09 am

(Family Features)—Year after year, winter proves to be a challenging season, especially when it takes its toll on your home and surrounding property. This year, prepare for the inevitable with these tips:

• Clear gutters and repair roof leaks to avoid clogging from snow. Don't put cleaning your gutters off until the weather conditions are too unbearable. It is important to clear out your gutters and repair your roof to help avoid major damage from snow and ice.

• Check out your heating system and replace furnace filters as the temperature drops. You don't want to realize your heater doesn't work and that you're without a warm living space as colder weather sets in.

• Check your windows and doors for cracks, leaks or drafts and repair them as soon as possible. This improves efficiency within your home and keeps you warm from the cold air and wind. Install a door draft insulator to help prevent air leakage.

• Drain and turn off your sprinkler system. This may seem like a no brainer, but many people don't remember to complete this task. Drain and turn off your sprinkler system, as well as your hoses, to prevent freezing and other problems.

• Insulate your pipes by wrapping them in insulation or newspapers and plastic. Doing so will lower the chance of frozen pipes later on. Keep the faucets dripping water so that water is always flowing through the pipes, rather than standing still.

• Invest in a carbon monoxide detector. Carbon monoxide-related deaths are at their peak during the winter months, so protect yourself from this harmful gas by installing carbon monoxide detectors in every sleeping area and on every level within your home.

• Keep a winter emergency kit in your home. Include water, blankets, a battery-powered flashlight, a battery-powered radio, emergency flares, energy bars, a pocket knife, rope, jumper cables, a lighter, rock salt and sand in the kit.

• Rock salt or sand your walkways, driveways and other pathways to improve traction and melt snow and ice. Rock salt melts ice when the temperature is about 12 degrees Fahrenheit. Sand does not melt ice, but improves traction during dangerous conditions. You may consider adding both to your driveway and walkways to ensure optimal safety. 

Source: Snow Joe

Published with permission from RISMedia.


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What Holiday Hazards Are Covered by Homeowners Insurance?

December 21, 2015 2:09 am

Despite the merriness of the season, the hustle and bustle of the holidays poses a number of hazards for homeowners and renters. A whopping 23 million Americans have had packages of gifts stolen from their homes, for instance, and 16 million have experienced a house fire during the holidays, according to insuranceQuotes.com—and that’s just the beginning.

“The holidays are a great time, but all the commotion and celebrating can sometimes cause people to be too relaxed,” says Laura Adams, senior analyst for insuranceQuotes.com. “No one is thinking of a broken leg or a house fire as they’re sipping eggnog and socializing with family, but these things do happen and it is better to be prepared than to let it ruin your whole holiday."

Other causes for concern? Guest injuries, which have occurred in seven million households, and sewer backups, which have occurred in 47 million households.

Homeowners and renters insurance policies typically cover claims related to these hazards, but only up to a certain amount. Purchasing extra liability coverage, often called umbrella insurance, is a wise move, says Adams.

And if you plan to give jewelry or end up receiving jewelry as a gift this year, take care to insure it, too.

“It can be a very expensive mistake not to insure a valuable piece of jewelry,” Adams says. “Most standard homeowners and renters insurance policies only insure jewelry up to a couple thousand dollars. Additional jewelry insurance can be purchased for as little as a few dollars each month—a very affordable price, especially when compared to the cost you would incur if you had to replace the item out of pocket,” Adams says.

Source: insuranceQuotes

Published with permission from RISMedia.


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