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Posts made in September, 2012

Inventory Your Belongings Before a Disaster

Posted by on Sep 28, 2012 in Insurance Negotiations, Preparing, Settlement Improvement | 0 comments

So it happened!  Your home was destroyed by fire and the last thing you want to deal with is your insurance claims adjuster and the debate over the loss of contents in your home.  Unfortunately, other than the obvious loss of furniture, appliances, and electronics how do you prove to your insurance company that you experienced a substantially greater loss of valuables (art, cash, heirlooms, and priceless worldly possessions) if you have no proof of their existence?  Good luck trying to convince your claims adjuster based on your solemn word!! Although initially taking an inventory of all...

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The 3 R’s of Defensible Space – Remove, Reduce and Replace

Posted by on Sep 13, 2012 in Insurance Negotiations, Preparing | 0 comments

The 3 R’s of Defensible Space – Remove, Reduce and Replace

The fire season is upon us and is expected to last well into October. For the moderate-to-high fire hazard zones, which comprise most of the state of theUnited States, steps can be taken to minimize the risk of property loss due to fire.  We suggest creating a fuel modification zone on your property, basically reducing combustible vegetation around your home which provides a “defensible space.”  This will protect your home and provide a safety zone for fire fighters. The idea is to eliminate a potential path of fuel from a wildfire to your home.  The Fire Safe Council calls this “The...

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