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Envision your house transformed into a welcoming space with fresh updates and extra room for things you enjoy.  With a remodeling project you can open up walls, add lighting or upgrade the flooring to create a stylish look and improve the efficiency of your home.

Renovating your home can be exciting and overwhelming, and the last thing you may consider during the process is your homeowners insurance policy.  If you didn’t think about this, you’re not alone!  Communicating with us when modifications are made will help prevent your house from being underinsured and policy limits from not being enough to cover your house in the event of a loss.

In order to ensure your home is properly insured, our agency utilizes a replacement cost estimator (RCE).  The RCE is a tool used to assess the cost to rebuild your home with similar materials if it is damaged or destroyed.

When adjustments are made that may impact the replacement value, it’s the homeowner’s responsibility to inform us so we can adjust the estimate.  The replacement value of the home cannot be calculated correctly without us knowing about added features, and oftentimes that is the last on the “to-do” list for you.

Guaranteed home replacement cost is a common coverage you may already carry or may be eligible for if your home is insured to 100% replacement cost.  It’s designed to offer a cushion if there are unexpected additional costs to rebuild the home from the initial evaluation, such as increased cost of building materials.  However, if the home is not insured 100% replacement cost, this coverage will likely not apply, potentially causing a significant disadvantage upon claim time.

Keep in mind some updates can save you money on your homeowners insurance.  For instance, replacing the roof, installing security features, sprinkler systems, water shut-off devices or a backup generator may lower your rates or even offer a discount on your premium.

If you anticipate making renovations to your home – whether it’s adding a new deck or remodeling your kitchen – ask us how this could impact your insurance policy to ensure you are protected financially during and after the project.

SOURCE:  Auto-Owners Insurance

Cats and dogs add endless joy to our lives. They’re cute, cuddly, and unconditionally love us. However, pets also scratch, claw, break, and chew things. They can do their fair share of damage to the home if not properly trained (or if they just feel like it). Window treatments are tempting and present a prime opportunity for pets to get into mischief. After all, they’re just hanging there, asking to be swatted, tangled, and chewed on. Avoid the mess and safety hazard by choosing window treatments that can stand up to your furry friends.

Cordless blinds and shades

While dogs and cats may still claw and scrape at the blinds if they can reach them, cordless blinds take the cords out of the picture, so animals won’t get caught up in them. Ditch the cords and choose cordless shades or faux wood blinds that you easily open and close by pulling them up and down.

Faux wood blinds

Faux wood blinds are more durable than aluminum blinds, which means they’re less susceptible to clawing and scratching. They’re less expensive than wood blinds but look just as sophisticated. If one cracks or bends, you can easily order a replacement without breaking the bank. Unlike wood blinds, faux wood blinds are moisture-resistant. They can get wet and can be tugged at without falling apart. Also, the color on faux wood blinds is consistent throughout the slat, so if they get scratched, it’s less obvious.

Wide slat blinds

When they’re open, wide slat blinds let in more light than your average blinds and your cat or dog can see out of them more easily. They won’t be scratching at the blinds just to get more sunshine to nap in or to look for critters in the yard.

Vertical blinds

The areas in front of sliding doors and porch doors are the ultimate lounging spots for pets. Outfit these doors with vertical blinds with wand control. You can easily push vertical blinds to the side so your pet can hang out without being tempted to damage them. It also takes only a few minutes to replace one of the louvers if it comes dislodged.

Plantation shutters

Plantation shutters, which are typically made of wood and faux wood, are sturdier than blinds. Before you leave for the day, open them and let in the light. Your pet can sit by the window and look outside until you get home. However, keep in mind that wooden plantation shutters may not be the best choice if you have a new puppy or if your cat likes to scratch at wood.

Motorized shades

Motorized shades can be controlled with the touch of a remote or on your phone if they’re the smart kind. With the click of a button, you can roll them up. The need for cords is eliminated, reducing the temptation for pets.

Blinds can make your home more comfortable, help you save on energy costs, and complement your home’s decor. Make sure you choose a style that works for every member of your family, including the four-legged variety.

Katie Laird is the Director of Social Marketing for Blinds.com and a passionate home decorator for her family with a love of all things Mid-Century Modern and blue. Blinds.com carries a variety of faux wood blinds and other pet friendly window treatments on the website.

SOURCE:  West Bend, Posted by Scott Stueber on Apr 3, 2018 11:25:10 AM

Spring has officially arrived! While many people breathe a sigh of relief because winter driving has ended, spring driving can also pose dangerous situations. It’s important to understand that each season change brings different driving conditions.

 

Here are some tips to keep you and your family safe on the roads this spring.

1. Be on the lookout for potholes. Extreme winter weather takes a toll on our roadways, creating large potholes. Heavy rain can fill them with water making them difficult to see. These monsters can damage your car leading to expensive repairs. Damages can include:

• Punctured tires;
• Bent rims;
• Suspension damage;
• Poor alignment; and
• Exhaust system damage.

Keep a safe following distance in case the driver in front of you reacts. Never swerve to avoid a pothole. This can put you and your family in a more dangerous situation. Gently brake before it if you can.

2. Slow down for spring showers. Did you know that roads are the most slippery when it first begins to rain? This is caused by the rainwater mixing with contaminants on the road, such as oil and grease. Make sure to increase your following distance to allow for proper braking.

3. Watch for animals on the move. Animal activity increases during the spring. For some, this is mating season and for others, they’re waking up from their long winter slumber. Remember, deer are most active at dawn and dusk.

4. Watch for pedestrians on the move. As temperatures increase, more people are outside walking or bicycling with their families. Slow down in your neighborhood and pay extra attention at crosswalks. If pedestrians have the walk signal, they have the right of way.

5. Share the road with motorcycles. Because of their speed and size, motorcycles may quickly come in and out of your blind spots. Always take a second look now that motorcycles are out on the road. In addition, be courteous. Motorcycles have the same right to be on the road. If you end up following a motorcycle, maintain a safe following distance of at least four seconds.

6. Maintain proper tire air pressure. During the winter months, tires lose air due to the cold temperatures, causing tires to be underinflated. Warmer temperatures can cause tires to be overinflated. Each situation can lead to increased wear and poor handling.

7. Inspect your tires. Adequate tire tread is important for wet weather driving. Tire tread actually moves water away from the tires. As tire tread wears, less tread means reduced traction. When it comes time for buying new tires don’t focus only on price. Read reviews and recommendations. Remember, you’re relying on a contact patch the size of your hand to keep you and your family safe.

8. Pay attention in construction zones. When driving through construction zones, follow these tips.

• Be attentive. Construction workers and equipment may suddenly enter the roadway. Traffic patterns can change daily to accommodate the work being done.
• Understand and follow the signs.
• Make safe lane changes. Solid lines in construction zones mean that you should stay in your lane.
• Slow down. Fines may be doubled in construction zones. In addition, slowing down can save a life.

For additional information on safe driving, check out the blogs below.

Eleven tips to avoid or handle hydroplaning

Essential safety tips for sharing the road with motorcycles

Road America and West Bend Keep Teen Drivers Safe

As a motorist, do you understand biking laws?

Six tips for keeping your tires in shape so you can be safe

Topics: Auto Safety

SOURCE:  West Bend, Posted by Scott Stueber on Mar 27, 2018 9:00:00 AM

Owning a home is a dream shared by many. Home ownership provides many benefits, such as financial security and stability, the pride of ownership, and a special place to raise a family.

Homeownership also comes with a number of responsibilities, such as cutting the grass, shoveling snow, and completing minor repairs.

While many insurance companies were started because of devastating fires destroying their communities, today a common cause of property damage is water. A burst pipe, clogged toilet, or a failing water heater can send thousands of gallons of water through your home.

Statistics have shown that your home is more likely to experience damage from water than from fire or burglary.

Below is information on:

• Home monitoring/detection systems;
• Signs you have a leak;
• Buying guides/reviews;
• Insurance coverage; and
• Links to systems.

Home monitoring/detection systems

1. Home water flow monitoring system. A water flow monitoring system is attached to your water main and protects your entire house. The system works by measuring water flow into your house. If it detects continuous water flow beyond the normal stopping and starting of your everyday appliances, it stops the flow of water into your house automatically.

2. Home water flow monitoring system with sensors. This type of water flow monitoring system includes sensors that are strategically placed around your house. Depending on the sensor, it can measure water leaks, as well as temperature and humidity changes. When connected to a hub or your home Wi-Fi, alerts can be sent to your smartphone. The shutoff valve will automatically stop the flow of water into your house, with this system as well.

3. Water leak sensors. These sensors are strategically placed around your house. Locations include:

• Dishwashers;
• Ice makers;
• Water heaters;
• Toilets;
• Sinks;
• Wash machines; and
• Showers and tubs.

The difference between this system and the others is that it sounds an alarm and may send a text message to your phone. However, it doesn’t shut off the flow of water to your house. If you’re home, this system will alert you with plenty of time to turn the water off yourself. If you’re away from home, have a back-up plan set up with your kids or neighbors.

If you’re leaving your home for an extended period, it’s best to shut off your water at your water main. Even though a leak will still cause damage, the water flow won’t be continuous.

Signs you have a leak

Sometimes plumbing problems aren’t obvious and the damage occurs slowly over time. Here are few things you can watch for in case you have a leaky pipe in your home.

1. Check your water bill. If you notice a significant increase in your bill, this may be a sign of a leak.

2. Listen for the ticking of your water meter. If your water meter is constantly ticking, this may be a good indicator that you have a leak.

3. Check for wet spots/water marks. On a regular basis, inspect areas near your sinks, tubs, and toilets. If you see discoloring or wet spots, you may have a leak. Consider placing a small towel in your cabinets near the drainpipes. If you have a small leak, the towel will prevent it from soaking through and it may be easier to notice.

Buying guides/reviews

If you’re interested in learning more about different products available, please check out the links below.

“Best Water Leak Detectors: Protect Your Home from Damage”

“Afraid that your pipes will burst? Here are the best water leak detectors”

“Best water leaks detectors for smart homes”

Insurance coverage

Depending on your insurance policy and the coverage provided, water damage may or may not be covered. Water damage to your home caused by a burst pipe or water heater is covered under a West Bend policy. However, damage to your home caused by a flood would not be covered unless you have a policy through the National Flood Insurance Program.

In addition, if your basement is flooded due sump pump overflow/sewer backup a West Bend policy would provide coverage if you purchased it. Four coverage limits give you the flexibility to carry just the right amount of coverage for your finished or unfinished basement.

If you have a home monitoring/detection system that sends you an alert when it detects water, you may be eligible for a discount on a West Bend Home and Highway insurance policy. To learn more, contact your independent West Bend agent or find an agent near you by visiting www.thesilverlining.com.

Links to home monitoring/detection systems

Wally

Leak Defense System

floLogic

Water Hero

Do you have any tips you’d like to share? I’d love to hear them; please share them in the box below.

West Bend does not endorse these products.

SOURCE:  West Bend, Posted by Scott Stueber on Mar 20, 2018 8:56:52 AM

According to Tom, West Bend claims manager, March, April, and May are typically heavy volume months for sump pump claims. Significant temperature fluctuations in the late winter and early spring months can result in a lot of pooling water and saturated soil. As a result, sump pump claims often come in fast and furiously. In a given day our inside property team could easily receive 40-50 sump pump related claims. This claim volume can last a full week or two. Typically, the losses are reported quickly. An insured stepping off the last stair of their basement staircase into a foot of water usually leads to a very quick call to the insurance company. As mentioned, the spring months are “sump season”; claims during the summer months are usually more sporadic. A quick downpour of an inch or two of heavy rain during the summer months can easily overwhelm drain tiles and sump pump crocks.

Here are some facts regarding water damage.

Estimates indicate that 98% of basements in the U.S. will eventually experience water damage.

Water damage claims cost insurance companies approximately $2.5 billion annually.

The average insurance claim for water damage is $6,965.

I’ve personally experienced several inches of clean water in my basement and it’s overwhelming. Thankfully, my local restoration company responded quickly. They saved my finished basement from major damage!

Unlike other appliances, a sump pump quietly does its job and you probably don’t pay attention to it. It’s usually found in your basement and its primary function is to keep your basement dry. Below is information on:

• How a sump pump works;
• Types of sump pumps;
• Benefits of a sump pump;
• Maintenance tips;
• Claim scenario; and
• Insurance policy coverage.

How a sump pump works?

A sump pump collects ground water in a sump tank, also known as a basin, crock, or pit. When the ground water fills the tank to a certain level, the float travels up a float rod and activates a switch causing the pump motor to turn on. The motor then removes the water from the tank and discharges it away from your house.

Types of sump pumps

1. Submersible. This type of sump pump is the most common and it’s installed during home construction. The pump is covered inside the tank.

2. Non-submersible (Pedestal). This type of pump consists of a motor and a hose. The motor is installed above the basement floor. The hose is connected to the motor and then routed into the sump tank. This pump is less expensive and can be installed in any home at any time.

Benefits of a sump pump

1. Prevents flooding. Heavy periods of rain can cause water to accumulate around the base of your foundation. A sump pump will prevent the water from entering and flooding your basement. In addition, if you experience a burst pipe in your basement, a floor drain may not be enough to eradicate the water. A sump pump may help push this water out, minimizing the amount of standing water.

2. Reduces mold growth. Standing water can lead to mold growth. Mold can be harmful to your health and your house. Keeping your basement dry can prevent growth.

3. Prevents dampness.

4. Prevents fires. Water entering your basement can cause appliances to short-circuit which could lead to an electrical fire.

5. Relatively inexpensive. Depending on where you live, Mother Nature can keep your pump running on a regular basis. For the protection that a sump pump provides your home, they are relatively inexpensive. Keep in mind that they may last 15-30 years, so replacement does not occur regularly.

If you decide to “do it yourself”, it’s estimated that a standard 1/3 hp sump pump can cost between $100 and $200. If you have one professionally installed by a plumber it could cost on average around $1,100.

The actual cost will depend on your location, the plumber you choose, and the pump options.

Maintenance tips

Each spring, follow these sump pump maintenance tips to ensure yours works properly.

1. Remove the cover. Check the tank for debris, such as mud, rocks, or gravel.

2. Flush the system. Ensure proper pump operation by flushing out the system with water from a hose or bucket of water. When the pump turns on, listen for strange sounds. The pump should run smooth. If it doesn’t that could signal worn or damaged parts. Contact a local plumber immediately for service.

3. Inspect the float. As water fills the tank, make sure the float travels freely on the float rod.

4. Inspect the discharge pipe. Before major rain, make sure the discharge hose is free from debris, such as mulch, mud, stones, or rodent nests. Ensure that the discharged water runs away from your foundation.

5. Inspect the check valve. Make sure your sump pump has a 3/16 relief hole in the pipe between the pump and the check valve. This prevents check valve vapor locks and greatly extends the life of your pump.

Claim Scenario

Several years ago, West Bend insureds moved into their newly constructed home. As a rainstorm passed through, they did not pay too much attention. Later in the day, they went down to their basement and stepped off the last stair into water. Pea gravel from the construction process was found in the sump pit. Unfortunately, the sump pump sucked in the pea gravel causing it to be destroyed. Luckily, their basement was unfinished and most of their personal belongings were stored in totes resulting in minimal damage.Remember, it is important to inspect your system on regular basis.

Insurance policy coverage

An insurance policy may not provide coverage for sump pump overflow/sewer backup. A West Bend policy, provides coverage if you choose. Sump pump overflow/sewer backup provides coverage if your sump pump overflows or your sewer backs up, causing water damage to possessions in your basement. Four coverage limits give you the flexibility to carry just the right amount of coverage for your finished or unfinished basement.

Ask your insurance agent if you’re adequately covered.

Do you have any tips you’d like to share? I’d love to hear them; please share them in the box below.

Sources:

https://www.waterdamagedefense.com/pages/water-damage-by-the-numbers

How a Sump Pump Works

https://www.homeadvisor.com/cost/plumbing/install-a-sump-pump/

SOURCE:  West Bend, Posted by Scott Stueber on Mar 13, 2018 9:00:00 AM

Having worked in the insurance industry for most of my career, I’ve talked to many people about the benefits of a West Bend insurance policy. While many people were interested in learning more, I often heard that getting a quote is confusing and time consuming.

Buying a different insurance policy isn’t exciting or fun and it can be overwhelming. However, you owe it to yourself to make sure you have the best coverage available for you and your family.

The next time you consider getting an insurance quote, here’s some of the information you’ll need to provide to your independent insurance agent.

Homeowners Insurance

Owning a home is probably the biggest financial investment you’ll make. It’s important to make sure it’s adequately protected. Here’s some information you’ll have to provide regarding your home.

1. Residency.

• Who lives with you;
• Home address;
• How long you’ve lived there;
• Marital status;
• If business operations are conducted from your home; and
• If you have any pets.

2. Home characteristics.

• Year built;
• Total finished square footage;
• Number of stories;
• Number of bedrooms;
• Number of bathrooms;
• Safety features (i.e. home security system, fire sprinklers etc.);
• Roof type and age;
• Exterior construction; and
• Home improvements (i.e. finished basement or remodeled kitchen.)

3. History.

• Who’s your current insurance company?
• How much is your current coverage on your home and personal property?
• Do you have a mortgage and if so, name of your mortgage company?
• Have you had past insurance claims?

Renters Insurance

Renters insurance is more straightforward. Its purpose is to cover your personal belongings, as well as provide some liability coverage.

It’s important to understand, that there are a couple of misconceptions about renters insurance. People often tell me their property owner has insurance or they don’t own anything expensive so they don’t need it. Most often, the property owner’s insurance policy only covers the building. In addition, if you add up your personal belongings, you’ll probably be surprised about their value. What would you do if you lost everything in a fire?

Auto Insurance

While not all states require auto insurance, they do require financial responsibility. Financial responsibility means that if you cause damage or injury to another person or their property, you have the financial means to pay for the damage.

Here’s some information you’ll have to provide for an auto quote.

1. Vehicle information.

• Purchase date;
• Mileage;
• Vehicle type i.e. year, make, model;
• Vehicle Identification Number (VIN);
• Current insurance company;
• Garaging location;
• Loan information;
• Safety devices; and
• Business or personal.

2. Diver information.

• Full name;
• Date of birth;
• Marital status; and
• Profession.

3. Driving history.

• Tickets and accidents; and
• Mileage driven each day.

The purpose of this blog is to provide you with a basic understanding of what information is needed in order to start an insurance quote. Your independent insurance agent will be able to provide more in-depth information and help you through the process.

Here are some links to other West Bend Cares blogs that explain other aspects of insurance.

Is your home insured properly?

Renters Coverage? Why do I need that?

Tips on when to review your insurance policy

Don’t get trapped by these common insurance mistakes

Eight tips for choosing the right insurance company

Source:  West Bend, Posted by Scott Stueber on Mar 6, 2018 9:04:18 AM

Topics: Auto Insurance, Home Insurance