Water Damage

Water DamageMany home insurance companies will not cover for flood damage, but they will cover for other kind of damage caused by water. Insurance companies will generally pay for the damages that is caused by rain coming through hole in a window or roof, provided the hole is caused by winds or other covered exposure which has been listed in the home insurance policy. Check with the insurance company whether they will cover for water damage. If there is any indication of problem caused by water inside your home never ignore it.

Find the source for the leak and stop the leak immediately. If water keeps leaking in your property, then moisture gets collected and mold starts developing in your property. Due to mold, your property could be damaged and further lead to health problems. The health effects caused due to mold exposure are cough, running nose, nosebleeds, sinusitis, congestion and respiratory problems such as bronchitis or asthma. Your home insurance company will consider the damages caused by mold only if, this is a covered peril. Report the water damage claim immediately to the insurance company representative or insurance agent.

By chance your house is flooded with water suddenly, it is very important that you dry all the wet areas. Provide sufficient air circulation so that the wet areas dry soon. Dehumidifying and drying wet areas can minimize the occurrence of mold. Delay in cleaning up can conclude in growth of mold. If the water keeps leaking continuously for a week or more, mold would have been already developed. If you try to clean the mold at this point of time, mold spores may spread out to cause health problems and property damage. As the mold is very dangerous to health, do mold testing and mold cleanup as soon as the mold is detected. After the leakage, if you doubt presence of mold, call up your home insurance adjuster immediately.

Safe Driving tips for Older Drivers

Safe Driving tips for Older DriversDriving is one thing which even old people take as a challenge and drive. It is not enough if you just know the traffic laws and road signs; you should be very careful while driving the car. When you get older you will notice physical changes that makes you turn your head to look if there is any vehicle coming behind and even driving at night would be more challenging. Getting older does not mean that you should stop driving, you should be careful while driving. While buying a car people don’t bother about money and buy costly cars but they will be surprised when they have to pay monthly payments for their insurance premium.

  • Drive under optimal conditions : It would be safe if older people drive the car during day time, quiet roads, good weather and in the roads which they are familiar. Try to avoid rush traffic and plan your route. Drive slowly if the road is not clearly visible. Apart from road conditions, check whether your condition is safe to drive the car. Avoid driving the car if you are angry or tired and after drinking alcohol.
  • Plan ahead : Be prepared to drive as soon as you get inside the vehicle. Do not read a map while driving your car, plan the route you want to travel before only.
  • Being physically fit : Always stay physically active so that it improves your flexibility and strength and also helps you in driving while turning the steering. See to that you include physical activity in your daily routine.
  • Upgrade driving skills : Depending upon the insurance company you choose, you may even get discounts on your policy if you update your driving skills. Look for the courses through organizations that serve the adults.