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 Protected against the Most Common Natural Disaster?

August 25, 2015 2:18 am

Flooding is the most frequent natural disaster in the United States. According to the U.S. Federal Emergency Management Agency (FEMA), just three inches of floodwater in a home will require replacing drywall, baseboards, carpet, furniture and other necessary repairs, costing $22,500 in a 2,000-square-foot house. The deeper the floodwater, the higher the repairs – 12 inches of water in a 2,000-square-foot house can cost $50,000 or more!

Having flood insurance through the National Flood Insurance Program (NFIP) can save homeowners and renters thousands of dollars in repairs from flood damage. Homes located outside flood-prone areas need flood insurance, too. Nationally, 25 percent of the total structures that flood each year belong to policyholders whose properties are not in high-risk areas.

Flood insurance is available to homeowners and renters in communities that participate in the NFIP and enforce their local flood plain management ordinances. To determine if a community participates in NFIP, visit Homeowners in a Special Flood Hazard Area (SFHA) must buy flood insurance if they have a mortgage from a federally regulated lender. When obtaining flood insurance, keep in mind there is normally a 30-day waiting period when purchasing a new policy.

Homeowners can insure their homes for up to $250,000 and contents for up to $100,000. Renters can cover their belongings in amounts up to $100,000. Flood insurance premiums average about $700 a year for homeowners.


Published with permission from RISMedia.


9 Internet Safety Tips for Travelers

August 24, 2015 12:18 am

Nearly half of Americans reserve travel accommodations on mobile devices as tech-ed out travel grows in popularity, but travelers aren’t any less vulnerable to a number of digital dangers, says the National Cyber Security Alliance. Before you leave home and while you’re on the go, protect yourself from cyber crimes with these tips from the Alliance.

• Keep a Clean Machine - Before you hit the road, make sure all security and critical software is up-to-date on your Internet-connected devices and keep them updated during travel. It is your best line of defense.

• Plan Two Steps Ahead - Turn on two-step authentication (also known as multi-factor authentication) for an extra layer of security beyond the password that is available on most major email, social and financial accounts.

• Password-Protect All Devices
- Use a passcode or security feature (like a finger swipe) to lock your phone or mobile device.

• Think before You App - Review the privacy policy and understand what data (such as location and entry to your social networks) the app can access on your device before you download. Delete apps you are no longer using.

• Own Your Online Presence - Set the privacy and security settings on web services and devices. It is okay to limit how and with whom you share information – especially when you are away.

• Manage Location Services - Location tools come in handy while planning your trip or navigating a new place, but they can also expose your location ‒ even through photos. Turn off location services when not in use.

• Be Wary of WiFi Hot Spots
- Do not transmit personal info or make purchases on unsecure networks. Instead, use a virtual private network (VPN) or your phone as a personal hotspot to surf more securely.

• Turn Off WiFi and Bluetooth When Idle - When WiFi and Bluetooth are on, they connect and track your whereabouts. If you do not need them, switch them off.

• Protect Your Finances - Be sure to shop or bank only on secure sites. Web addresses with "https://" or "shttp://" means the site takes extra security measures. However, an "http://" address is not secure.

Source: National Cyber Security Alliance

Published with permission from RISMedia.