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

Live in a Wildfire-Prone Area? 3 Insurance Tips

July 7, 2015 12:21 am

By their very nature, wildfires can inflict widespread destruction, often damaging property beyond repair. As such, homeowners in wildfire-prone states should purchase enough homeowners insurance coverage to completely rebuild their homes and replace all of their personal possessions, say the experts at the Insurance Information Institute (I.I.I.).

In a standard policy, “you are covered for damage to the structure of your home and your personal belongings, as well as for additional living expenses if your home is damaged to the point where you can no longer live in it,” explains I.I.I. Senior Vice President and Chief Communications Officer Jeanne M. Salvatore.

Cars either damaged or destroyed by fire are also covered under the optional comprehensive coverage portion of an auto insurance policy.

Having an up-to-date home inventory - a detailed list of your personal possessions and their estimated values - can make filing a claim following a catastrophe such as a wildfire easier and more accurate.

Source: I.I.I.

Published with permission from RISMedia.


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What Homeowners Don't Know about Energy Savings

July 7, 2015 12:21 am

According to a recent report, most homeowners participate in some kind of energy-saving activity at home, such as unplugging electronics when not in use, changing HVAC air filters and using a programmable thermostat. The report, conducted by HVAC provider Lennox, concludes that with these measures, homeowners score a ‘B’ in energy conservation. How can they do better?

“Saving energy does not have to be a daunting task,” says Lennox Energy Efficiency Expert Kyle Golden. “There are simple maintenance tasks and improvements homeowners can put into action around the house that can make a big impact on energy bills.”

One of the more common activities cited in the report is turning off the A/C system completely on hot days and the heating system on cold days. This can do more harm than good, explains Golden.

“While turning off your air conditioner system completely seems like an easy and effective way to conserve energy and save money during the summer, it is actually forcing the system to work overtime to get back to a comfortable temperature. Doing so uses more energy and can therefore cost more - not to mention the increased wear and tear on the equipment,” Golden says.

Rather than shutting the system off, Golden advises lowering or raising the temperature of the thermostat, or installing a smart thermostat to do it automatically.

According to the report, homeowners are willing to invest in energy-saving improvements, such as solar panels or appliances, energy-efficient windows, a high-efficiency furnace or air conditioner, insulation, a programmable thermostat, a high-efficiency water heater or a low-flow shower head.

Source: Lennox.com

Published with permission from RISMedia.


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