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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Save Big Bucks This Winter with an Energy Audit

November 19, 2014 12:40 am

(BPT) - If you are winterizing your home to protect against the headache of frozen pipes and potential water damage, conducting a quick, three-step energy audit now can help prevent nasty surprises when the heating bill arrives.

It's human instinct to increase the heat during the coldest winter days, but this comes with increased heating costs that can stretch the household budget. Air leakage contributes significantly to home heating costs – the U.S Department of Energy suggests that floors, walls, ceilings and windows account for 41 percent of air leakage in homes. Air escaping from the home's envelope means the furnace has to work overtime to compensate and maintain a comfortable living temperature. As a result, energy consumption remains high, monthly bills continue to climb and any efficiency achieved through other methods is fruitless.

A simple energy audit can help you better understand your home's performance and ensure your heating bills don't break the bank this winter.

Start by thoroughly cleaning all vents, filters and ducts. Use a vacuum to remove any dust and debris around your furnace's filters. Then, have a professional clean your ductwork. Cleaning can noticeably improve the performance of your home's heating system, allowing it to run more efficiently.

Having a home energy auditor complete a "blower door" test will allow you to better understand how air flows through your home. This comprehensive test measures how much air is moving through any cracks around doors, windows and other potential problem areas. A well-sealed home should have no leaks. The energy auditor will also use equipment such as a "smoke pencil" and infrared camera to further assess the home's overall performance and identify problem areas that need to be addressed.

Finally, have an insulation professional assess your existing insulation's performance. Gaps, cracks and inconsistency of insulation coverage can significantly impact your home's energy performance, as well as your monthly heating bills. A licensed insulation professional can make recommendations as to how to address air leakage effectively with a better-performing insulation material. Spray foam insulation works well in all climates to fill cracks and gaps, stop air leakage and help reduce the strain on your heating and cooling equipment. This insulation material both insulates and air seals the home helping to noticeably reduce monthly heating and cooling bills.

While air leakage can cause your heating bills to jump significantly this winter, completing a quick energy audit and having a well-insulated home can help you get through the cold winter months.

Published with permission from RISMedia.


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How to Get the Most from Your Insurance Dollars

November 18, 2014 1:16 am

When it comes to filing an insurance claim, knowledge is power.

“The best time to learn about the claims process is before you have a loss,” notes Jeanne M. Salvatore, the Insurance Information Institute’s (I.I.I.) chief communications officer. “Knowing what to do can make filing a claim less stressful if you have a loss.”

The I.I.I. recommends the following steps when filing an insurance claim:

Contact your insurance agent or company as soon as possible, either by phone or online.
When speaking to your insurer, have your policy number (if you have it), location of the incident, extent of the damage, cell phone number or other contact information. Ask them these specific questions: Is the damage covered? How long do I have to file the claim? Does the claim exceed the deductible? How long will it take to process the claim? Will an estimate be needed?

Document the loss.
Create a file for your claim—the better organized you are the simpler and easier the entire process will be. Take pictures of the loss and write up a summary of exactly what happened. Keep lists of any damage and write down the names and contact information of anyone involved in the claim. This includes the name and title of everyone you speak to at your insurance agency and/or company.

Submit the claim.
Once you have notified your insurance company, you will be told what information you will need to supply to them. If you have any questions, don’t hesitate to ask them. Your claims representative is there to help you. Keep copies of all forms and any information or materials you provide to your insurance company. The company will likely send an adjuster to inspect the damage and help settle the claim. There is no charge for this service.

You may also be contacted by public adjusters who have no relationship with your insurance company. Public adjusters charge a fee for their services—as much as 15 percent of the total value of your claim settlement. Keep in mind that they can’t get more money for you than what is stated in your policy.

Know who to contact if you are not satisfied with your settlement.
Most consumers find that their claim is paid quickly, easily and fairly. If you are not satisfied with how your claim is being settled, talk to your agent or claims representative. Tell them about your problem and ask them to intercede on your behalf. If you are still not happy with the results, contact the head of the claims department or another person in authority at your insurance company. Send them a written note explaining why you are not satisfied and back your complaint up with facts, figures and any pertinent documents.

If you cannot come to an agreement with your insurance company, you may consider contacting your state department of insurance. Explain the reason for the disagreement so that the department can investigate your claim and help resolve any difference you may have with your insurer.

Source: I.I.I.

Published with permission from RISMedia.


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