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

Is Your Home Under-Insulated?

October 1, 2015 1:39 am

A home’s best defense against energy loss is its insulation - but an astounding 90 percent of homes today are under-insulated, according to a recent North American Insulation Manufacturers Association (NAIMA) report. An under-insulated home wastes energy and money, and decreases overall comfort.



“The fall is when many homeowners around the country begin thinking about home improvements to increase comfort and reduce their energy bills as temperatures drop come winter,” says Curt Rich, president and CEO of NAIMA. “Research like this should reinforce our message to homeowners, and to policymakers, that added insulation has real and significant benefits.



“People don’t see insulation, so they don’t think about it,” continues Rich. “They see windows and doors, so they think about those items. The reality is that insulation has a three times greater impact on the average home’s energy and comfort than windows or doors do.”

Rich encourages homeowners to assess their insulation needs by first inspecting their attics. Increasing insulation in your own home can have widespread impact.



“If all U.S. homes were fitted with insulation based on the 2012 International Energy Conservation Code (IECC), residential electricity use nationwide would drop by about 5 percent and natural gas use by more than 10 percent,” says Dr. Jonathan Levy, professor of Environmental Health at Boston University School of Public Health and a lead researcher on the subject.



Source: NAIMA

Published with permission from RISMedia.


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5 Tips for Tracking Down a Lost Life Insurance Policy

September 30, 2015 1:36 am

Life insurance benefits are sometimes left unclaimed after the passing of a loved one, simply because the beneficiaries were unaware of the existence of a policy. This is an unfortunate situation under any circumstance, but can be especially troubling if dependents have been left struggling financially. According to the Insurance Information Institute (I.I.I.), beneficiaries can track down a lost policy with these tips.

1. Look for insurance-related documents.
Search through files, bank safe deposit boxes and other storage places to see if there are any insurance-related documents. Also, check address books where insurance agents or companies may be listed. The insurance professional who sold the deceased their auto or home insurance may be able to confirm the existence of a life insurance policy.

2. Contact the most recent employer. If the deceased was working at the time of death, he or she might have been covered by an employer-sponsored life insurance policy. If not, it’s possible the deceased might have converted their employer-sponsored life insurance into a permanent individual life insurance policy when the job ended.

3. Review bank books and canceled checks.
Look for any checks that were made payable to a life insurance company over the years.

4. Check with the state’s unclaimed property office.
If a life insurance company knows one of its life insurance policyholders has died but cannot find the beneficiary, the company must turn the death benefit over as “unclaimed property” to the state in which the policy was bought. If you know where the individual life insurance policy was purchased, you can contact that state’s government to see if it has any unclaimed money from life insurance policies belonging to the deceased. The National Association of Unclaimed Property Administration is a good place to start.

5. Try the MIB database.
The not-for-profit MIB Group, Inc., a consortium of life and health insurers, maintains a database of individual life insurance applications underwritten since 1996 by MIB member companies. There is a fee of $75 per search. For more information, go to MIB's Consumer Protection page.

Source: I.I.I.

Published with permission from RISMedia.


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