Top 3 Ways Spring Cleaning Helps Your Home Insurance Policy

It’s mid-March, the clocks sprung forward, and the weather’s getting just a tad bit warmer. And you know what that means: It’s spring cleaning time. When we think of spring cleaning, we envision dusting, deodorizing, and de-cluttering. What we might not consider is how our spring cleaning can have more far-reaching effects on our homes.

Specifically from LMR, we wish to present ways in which spring cleaning can help you with your home insurance policy. Some of these will happen serendipitously, whereas others can be tasked along with your regular spring cleaning steps.

Below we discuss three top ways that spring cleaning affects your home insurance.

Finding Leaks. You’re scrubbing a bathroom wall, and notice that it’s not the leftover shower water that’s running down the tiles. And oh, the tiles are cracked? Warning sign! Cracked tiles are a potential for leaking through walls into next door or onto downstairs neighbors. This is something your insurance might not pay for, so it’s especially important to make sure your walls are sealed tight.

Updating the Home Inventory. In order to receive the appropriate rate on home insurance, and to assist with any related claims, your home inventory list must be up-to-date.  When spring cleaning, you can ask yourself: 1) Did we sell anything that was on the inventory list this year? 2) Did we acquire anything of value that needs to be added to the list? By maintaining the correct home inventory list, you can ensure your home insurance rates are correct, as well as make sure you would be covered in case of damage or theft.

Noting Structural Problems. Look at the areas where your walls touch the floor. Are there any spaces, especially ones that seem to be growing over time? Or do you see major (or even minor) increasingly growing cracks in your walls? These changes might signify structural problems in your home (read: your foundation might not be stable). It’s best to get an engineer to assess the situation and know what you’re dealing with – if it is in fact a problem, the earlier it’s caught, the better.

Spring cleaning is a good system for an overhaul on home maintenance. In fact, while you’re doing the above tasks, you could also look over your filing and do a review of your insurance policies. By accomplishing spring cleaning not only on the dusting, deodorizing and de-cluttering fronts, but also on the home insurance fronts, you’ll have a robust renewal, springing you forward in more ways than you might have imagined.  If you need assistance assessing your insurance levels, feel free to contact us. Happy Spring!


The Groundhog Speaks: What About Property Grounds & Insurance?

Groundhog Day is an annual folkloric predictor for the start of the spring season. On February 2nd, if the groundhog’s shadow doesn’t appear, spring is imminent. Conversely, if his shadow is visible, spring won’t be coming for another six weeks or so.

Now, switch over to the topic of home insurance. While the groundhog’s shadow is not scientifically reliable to predict spring’s arrival, by contrast, the state of your property grounds can be indicative of current damage, or predictive of damage in the future. Continue reading The Groundhog Speaks: What About Property Grounds & Insurance?

Winter Water Wipe-Outs: Preventing Home Dampness

Water has one goal, and one goal only: to flow. Water will always find that one narrow space to travel through to get from point A to point B, and it cares not for that which it wets. This leaves houses struggling with wetness issues year round. Like when a fierce rain seeps through from outside, resulting in a moldy den wall. Or when your upstairs neighbor’s kitchen sink pipe leaks through to your own kitchen, trickling onto the very dishes you’re trying to dry. Or when the bathtub never drains completely, leading to pooling, consequently dripping through to your downstairs neighbor’s shower. Or worse, when a pipe suddenly bursts free, raining cats and dogs in its wake.

Such are the conundrums of wetness in the home. The good news is that all cases are preventable – it just takes diligence and preparedness. Here are some tips for keeping your home from leaking.           

  1. Cracks in surfaces. Do a survey of your home from the outside and the inside. Check for any cracks which need caulking, or walls or floors that need repaving or even retiling. The amount of money you will spend to prevent leaks will save money long term in fixes, and can also make the surfaces look better aesthetically.
  2. Age and types of pipes. What types of pipes were installed, and when? Are they insulated? Are they routed the best way? If you happen to have this information in the house plans, it’s helpful. But otherwise, it’s best to consult with a plumber or builder to assess the status of the pipes in your home, especially if it’s an older home. This way, you will not have any surprises like sudden burst pipes, or slow drips from pipes rusting over with time.
  3. Drainage. Do you have a clogged bathtub, sink, or toilet, and the wire hanger, plunger and sulfuric acid aren’t doing the trick to drain it out? Any inability to drain can cause pooling, leading to further, more permanent wetness. This situation requires a professional to remove the blockage and possibly redo the setup in order to prevent future blockages.
  4. Mold. Noticing your walls are molding? The causes are numerous, from rain water, to condensation, to uncleaned A/C filters. Read our expansive article about mold prevention for more information.

Even with the best prevention, wetness can still occur, and the main message we wish to convey is to deal with wetness immediately by contacting us to help you through it. Whether it is initiating from you or a neighbor – you have to deal with it promptly. Even if it’s an emergency, such as a burst pipe, contact us to find out how to best address the insurance company. All in all, address the immediate home dampness issue, and then we’ll work with you to ensure your settlement is the best it can be.

How to Choose the Best Public Adjuster in Your Florida Area

The best public adjuster should possess serious experience and professionalism. Here are some characteristics to determine the best public adjuster for you, wherever you live in Florida.

1. Sensitivity about the insured.

Many people complain that “some public adjusters are relatively insensitive.” To many, the drive for each dollar for the insured backdrops against the marketing word “maximizing,” and nothing but fog remains behind the mask. It is sad to know that so many public adjusters just do not have what it takes to be a “Best Public Adjuster.”

Some people are proficient at doing unexpected things. However, in this day and age, anyone can promote almost everything about products or their services with no long-term portfolio or track record of success. Or even knowing what “success” means within the real framework of an insurance claim. Just because you are thinking or saying you are the best public adjuster in Miami doesn’t make it so.

Every public adjuster should have sensitivity to the insured – after all, they recently incurred great loss on their property. The adjuster should try to understand their feelings, even if they will work on their claim no matter what.

2. The gratitude of diversity.

The best Public Adjuster simply appeals to the diversity of requirements, and converses in a way that works effectively for the insured. It means replying to more calls, e-mails, and text messages, and arranging more meetings. Three features of the best public adjusters in Florida are:

a. Innovative methods to clarify theories of damage or loss which are comprehensible and convincing.

b. Captivating advocacy of analysis and loss using systematic knowledge of the particular insurance policies.

c. Knowing how to appropriately repair and swap damaged property laterally with a capability to realistically explain it to everyone related to the insurance company.

3. Professional with All Involved In the Claim Process

On every step of claim process, the adjuster should look after his client, the insured person. Experience shows that an adjuster’s largest and fastest wins come with their professionalism, passion and humility – even they should have a skilled team of lawyers. The adjuster does the following:

4. Deals with a Fair Contract.

The agreement should imitate a value added plan that is cost-effective and not just a “money grab.” The public is generally afraid about the public adjuster cost, but actually, they are not charged unfairly. In fact, most public adjusters offer “no recovery, no fee.” They might even offer free inspection as well. So why not call a public adjuster in the case of an insurance claim?

In some cases, policymakers figure out public adjuster costs , and figure that public adjusters should be able to make an agreement for whatever amount they want. But how much is too much? The truth is most of the public adjusters in Florida usually charge 10% or less of the win amount.

5. Proper Documentation & Value Assessment

People are often surprised by the number of photo documents and notes needed to demonstrate every part of the damage. The best public adjusters are willing to devote the additional time and help to compile a portfolio of evidence. The result is that the insurance claim is easier to achieve, given the breadth of documentation. The best public adjusters also have a tendency to be the most creative when it comes to inspecting and documenting the loss. They also are likely to present a loss value that is acceptable to the insurance company.

In the end, not everyone can be “the best.” Yogi Berra would properly state that only 50% of all the public adjusters can even be in the top. The human side of adjusters is more important than the financial side, or even anything else. Assisting another person in need, and appreciating that almost all losses are sensitive  – is essential.

Hurricane Safety Tips, Save Yourself And Your Property

Hurricane safety tips are necessary for those who live in places like Hollywood, Boca Raton, Miami etc. No other storms you can find in whole world like hurricane. It is a tremendously big, powerful, and damaging storm with most strong power air streams that occurs specially in the western area of Atlantic Ocean. It is a type of tropical storm-the universal term for all circulating climate condition above tropical waters.

Rain, air stream, cyclones, and storm flow connected to hurricanes because off changing the natural environments, destruction to the anthropological constructed environment & even damage of life.

Once the storm is above the ocean & faraway to land, storm and big waves made by the tornado are a threat for vessels at ocean. But with contemporary estimating and cautionary methods, sometimes boats can stay safe. Cyclone can change one’s life. After happening it goes but it keeps away its sign in human destroys people’s home as well as health. Sometimes it breaks people’s financial ability. It hampers road, bridge. When it happens, it totally blocks the communication system.

Once a Cyclone attacks land, terrific damage can happen in the constructed atmosphere. The quantity of damage depends equally on storm and it hits. A mixture of air streams, storm flow, & rain cause countless destruction to constructions, power lines, streets, & vehicles. Sometimes At the time of hurricane levees broke affecting much of the city. Hurricane Katrina was the most costly in US history about the destruction to the US Gulf coast.

Hurricanes source many ups and downs to the natural atmosphere beside a coastline too. Shingle is eroded from certain coastline zones and placed in others. The waves &storm flow are capable to move big rocks & even boulders. Several low-lying spaces are drowned by storm flow. And robust winds & floods can destroy forests.

Afterward a hurricane smashes a coastline zone, it can foldaway inland. For this reason, the hurricane has naturally faded, but it still it is the source of serious damage. Heavy rains from the hurricane can source of flooding & landslides.

It is assessed that 10,000 individuals expire every year global because of hurricanes & tropical storms. Most of human expires are instigated by flooding, cause they can be actual risky, it is significant to aspect for hurricane cautions & to abandon if it is suggested in your region. If you stay in a Storm Cyclone horizontal area, take some preparation to face it.

Hurricane safety tips:

It is major to form a kit of stores that you might take it, if you are enforced to leave. This kit will be beneficial if you capable to live in your place even affected by the Storm, for instance over the damage of power. Most communal trend realized when storms are impending is a great panic. Once this occurs, individuals hurry in big figures to get all goods they seem they need them. However, when you arrange your kit before the time, just follow the hurricane safety tips you will alleviate the potential trauma of a messy condition. You must put your kit inside a bag that you take it with you easily. Some suggested things to include are:

Preserved food (at least for 3 days.)

Water (at least for 3 days.)

First-aid box.

Personal hygiene stuffs

sanitation stuffs

Flashlights (with extra batteries)

radio (with extra batteries)

cash and essential documents with Waterproof container

can opener (Manual)

matches or Lighter

recreation stuffs (Books, magazines, games)

baby supplies & pet supplies (if applicable)



Save your Property:

It is important to secure your home from damaging to storm flow &flooding. Shield all windows, otherwise with Storm secures or logs. Even if tape can protect glass from devastating everywhere, remain warned that tape does not protect the window to break. If it is possible, protect straps to secure your roof and structure of home. Trim trees & shrubs and clear rain channels.

Strengthen the doors of your garage. Tie up outdoor stuff, rubbish cans, decorations, & other stuffs which are not tie down. Stay away to doors & windows and close when winds turn into strong. Secure internal doors.

“Hurricane coverage insurance” can be a greater way or hurricane safety tips to save your property.


Hurricane coverage insurance:

The coverage of Storm differs by state. Overall, homeowners insurance covers loss from wind & rainstorm. So if strong winds rip off shingles & water enters through roof, the loss is automatically covered. Go through your policy wisely, & search for any margins on air stream & water damage.

The charge of full hurricane coverage varies wildly, for a modest house in low risk zone you have to expense approximate $300. In a high-risk zone for a luxury home you have to expense more than $20,000. Best premium, policies distributed in states because they are most vulnerable to rainstorms can arise with deductibles of Storm, which normally range to 1%-5% of the covered price of home. Public Adjusters can help you in terms of rejected claims.