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homeowner insurance

Summer Heat and Your Home

April 21, 2020 By Flor Caballero Lynch

ice-cream-cone-1274894_960_720With each coming year, the weather seems to get warmer and warmer with each coming summer season! While most Homeowner’s Insurance policies cover claims that involve extreme heat temperatures, there are situations that can be avoided all together (And keep your Homeowner’s Insurance premium low) with some simple maintenance around your home!

Common claims in the summer can range from damage from their electrical system due to a rolling blackout, or leaking pipes due to a thirsty tree’s root getting into a pipe, or a rupture due to higher pressure in water lines due to increased water usage! Using things like an updated circuit breaker and surge protectors go a long way, picking  trees that are “sewer-safe” and planting them at least 10 feet away from any existing pipelines underground! But for existing problems involving trees getting into water lines and leaky pipes within walls it’s hard to fix once the problem has already started—always keep an eye on it and never allow the damage to progress, get a professional to look at it ASAP!

If you live in an area that is prone to getting summer storms you should make sure the architecture-1845689_960_720drainage on and around your house is working properly! It is a horrible situation to find out during a hard rain that one of your rain gutters is clogged and is pooling water on your roof! Flood damage is also something to keep in mind as well, while you are checking the gutters to your house make sure all the pathways rain takes to run off your property work properly too!

Summer is a time to enjoy the outdoors and relaxing in the sun, and I know it’ll be much easier to relax as a homeowner when you know you have all your summer weather precautions covered!

Filed Under: Homeowner Insurance Tagged With: heat, home, homeowner insurance, summer

How Are You Sure Your Homeowner’s Insurance Ready For Summer?

April 14, 2020 By Flor Caballero Lynch

vw-camper-336606_960_720The days are getting longer, the cold weather is getting warmer, and you’re spending more time outside—this must mean that summer is almost here! We all can use some warm sunshine and better weather these days, but with the coming of summer it comes time to look at your Homeowner’s Insurance policy to make sure you still can have a great time this summer without any worry!

An example of a summer activity that would require you to review your homeowner’s policy would be building a fire pit in your backyard! Fire pits and open grills come with their own unique sets of risks, and while most Homeowner’s Insurance policies usually cover grilling activity and conventional grills—fire pits and other kinds of barbecue structures might not be covered on your policy! Another thing to consider would be local ordinances—some municipalities might not allow a fire pit to be built due to local Burn Laws, or due to the proximity of the pit to the home itself! Remember that Homeowner’s Policies do not cover damages caused by illegal activity, so keep that in mind!

If you are planning on doing any home repairs this summer make sure you have adequate insurance protection! Talk with your agent or carrier to find out if your policy will still function if you are doing work to your home—if not ask about Builder’s Risk Policy to get yourself covered! Contractor’s usually have some type of liability insurance associated with their business, but it is always better to be safe than sorry!

financing-3536755_960_720If you already have a pool you’ve likely added coverage for any pool-related mishaps that might occur, but if you are building a new pool (Even an above-ground pool!) you will have to let your insurance carrier know! Swimming pools create a whole new dimension of risk for any homeowner and will always need to be covered under their homeowner’s policy to make sure you’re covered if anything goes wrong!

Before you kick up your feet next to the pool this summer, take a look at your policy to see that it is primed and ready to protect you no matter how you choose to enjoy the summer season!

Filed Under: Homeowner Insurance Tagged With: home, homeowner insurance, homeowners insurance, insurance, ready, seasons, spring, summer

What is homeowners insurance?

August 3, 2018 By Flor Caballero Lynch

real-estate-2734564_960_720A home insurance policy is what you want to have when things like damage happens to your home through acts of god, fires, and theft. Each of these things are hard to swallow thinking about, but this is a necessity in the world of homeownership (And required if a house is mortgaged). These policies are renewed yearly, and price can vary depending on the coverage— and like most other insurance policies out there, you will have to pay a deductible when you make a claim!

Say for instance you have a pipe burst in your kitchen causing water to flood everywhere! You luckily have home insurance and call your provider to find out your next steps, what they will do is send an insurance adjuster over and they will take into account the damage that the water caused and how much it will be to fix/replace everything (Including the pipe!). plumbing-840835_960_720

Once given approval for your claim, your insurance provider will then deduct the amount of your deductible and pay out the balance to repair your kitchen! The higher the deductible the lower your the payment, and the lower the deductible the higher your payment— just depends on your preferences!

By Aaron Young

Filed Under: Homeowner Insurance, Insurance Tagged With: home warranty, homeowner insurance, homeowners insurance, insurance

What is an umbrella policy and why do I need one?

November 4, 2011 By Aaronflorlynch

An umbrella policy is what it sounds like. It provides an additional layer of protection to your existing auto and property insurance policies. If you exceed the coverages provided by those policies, an umbrella policy will cover the lack.

[Read more…] about What is an umbrella policy and why do I need one?

Filed Under: Auto Insurance, Homeowner Insurance, Insurance Tagged With: auto insurance, commercial insurance, homeowner insurance, personal insurance, umbrella policy

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Think Insurance, Think Flor

4420 N. Mesa St
El Paso, TX 79902

(915) 996-9799
FAX: 1-866-514-3064

flor@florinsurance.com
www.florinsurance.com

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