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Wonderful Tips on how to shop for Flood Insurance

Flood damage occurs in ninety percent of all the natural disasters in the United States. Whenever people purchase homeowner’s insurance, they should consider also getting flood insurance. Whether you live near or far from the coastline, the location of your property may still have a moderate to high risk for floods. Here are five tips that you should consider whenever you purchase flood insurance as protection for your home. 1) Study and understand the basics of Flood Insurance The federal government gives flood insurance to businesses, homeowners, and renters through the NFIP or National Flood Insurance Program. However, there are limits on how much protection it will give. In general, there are two different policies when you purchase flood insurance coverage: the contents coverage reimburses loss in possessions, and the primary coverage reimburses home damage. Residential properties usually have a limit of $250,000 for essential coverage. However, renters and homeowners may still insure the contents for up to $100,000. Flood insurance is optional for people who own their homes. Individuals who live in places that have a high risk of flooding or those who have an insured lender or federally regulated mortgage may be required by a lender to purchase a policy. Homeowners usually have to wait for thirty days before that policy takes effect. 2) Check if you need additional private coverage Flood insurance coverage through NFIP is relatively cheap compared to to private insurers, so most homeowners purchase their coverage from the government. They keep the prices low because they do not adequately price the flood risk. Private insurers, on the other hand, sell flood insurance that is not broadly available so they can be more expensive compared to the NFIP coverage, but you’re likely to get better coverage. Homeowners can purchase a different policy from private insurers alongside the NFIP policy so that damages above the coverage limits of NFIP will be under coverage. 3) Check if you are qualified to get a preferred rate The cost of flood insurance may be influenced by several factors such as: ●    Your chosen deductible amount ●    The elevation level and location of your property ●    The flooding risk in the area ●    The items you wanted under coverage ●    The value of your purchased insurance As per NFIP, the average flood insurance policy may amount to $650 yearly. This price may be significantly affected by your property's location. For example, if your house is in a low to moderate risk area, you may qualify for a combination of contents and building contents policy at a better rate compared to people who live in high-risk areas that may have a higher price. Homeowners in high-risk areas should get a standard-rate policy. 4) Check what is and what isn’t covered Whenever a flood happens, and you have coverage for your building, the foundation and structure of your house are under protection as well as the plumbing and electrical systems. Other things that are covered typically include: ● Permanently installed cabinets, window blinds, bookcases, wallboard, paneling, and carpeting. ●  Garages are typically insured up to 10% of the limit for building property coverage ●    Refrigerators ●    Water heaters, central air conditioners, and furnaces ●    Content coverage cover items like valuables (artwork and furs), electronic equipment, furniture, and clothing. Things that are not under coverage: ●    Damages that came from mold, mildew, and moisture that the homeowner could prevent. ●   Items that are found surrounding the insured structure. It includes swimming pools, trees, decks, and patios. ●  Losses caused by drain or sewer backup (for this, you will have to purchase a drain and sewer backup that needs an endorsement to your homeowner's policy) 5) Coverage for the Basement Consider the basement as a place that is most at risk for damage from the flood. Homeowners who use their basements as apartments that have living rooms and kitchens may find it difficult to get flood insurance protection for this place. The basement coverage can be very limited and include the protection of the circuit breakers, water heater or furnace. It also includes some items like the freezers and washers. Basements are not qualified for flood coverage including the personal belongings, walls, floors and ceilings there. If you have queries regarding the flood damage insurance policy, let us know how we can help you. Go to our office today or call us at 409-945-4746. Brad Spurgeon Insurance Agency will provide you with the best rates and customer service. Click here to get a free quote from us.

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What You Should Really Insure In Your Home

It is pretty obvious that you are responsible for anything in your home and on your property. Whether you technically own it or not, you need to be sure that your homeowners insurance covers the items located on your property. While you need to take inventory of the things you own, knowing what to insure is entirely different.

Mix of Possessions

Many households nowadays have a mix of possessions. Thus, when it comes to taking inventory, you don’t include your son’s collectibles or your dad’s boat. But if you consistently help others out by storing their things or letting them live with you, then you need to sort things out with your policy. Insurers may require you to get a tenant’s policy if this is the case.

Here’s a list of things you don’t own which you should consider including in your coverage:

Art

Boats

Collectibles

Family heirlooms

Furniture

Musical instruments

Power and hand tools

Professional equipment

Recreational vehicles

Seasonal gear

Sports gear

Vehicles

While you’re taking inventory, you should document each item by taking photos.  If there’s an item that’s obviously valuable but not yours, don’t hesitate to talk to your agent about your insurance.

Your Valuable Possessions

Your belongings should be categorized into three: (1) things that require additional insurance; (2) things that are worth adding insurance; and (3) things that aren’t worth insuring. Doing so will help aid a smooth transaction with your agent.

Here’s a list of items that require additional insurance:

Antiques

Art Collectibles

Fine furniture

High-end electronics

Jewelry

Certain items have more sentimental value than monetary value. Take for example a scrapbook, it is only insured for the actual book’s replacement costs. That is why it is essential to keep a duplicate of irreplaceable photos and memorabilia digitally or in a safe place.

Your home is full of possessions and memories. Knowing the difference would help you focus on the things that actually matter in insurance investment. If you’re not sure what you should insure, you can hire an appraiser.

Brad Spurgeon Insurance Agency Inc. aims to provide you the right home insurance you need through their trustworthy insurance carriers. We have a wide range of insurance products and services available. You can get a free quote online, or you can call us at (409) 945-4746. If you have further questions about our products, we offer free consultation through email or you can visit us at our office today.

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Know More About Wind Damage Insurance Claims

Storms can be incredibly strong and cause serious damage to your home’s exterior, doors, windows and even to personal property. Fortunately, most homeowners insurance policies cover this type of damage. Here are a few things you need to know to have a better understanding about wind damage insurance claims.

Most Insurance Policies Cover Wind Damage Since damage from wind is one of the most common risks that your property may face, your insurance company is expected to cover it. The typical homeowners insurance policy usually covers damage to your homes caused by windstorms.

However, there are natural calamities that are not usually part of your homeowners insurance coverage: floods and earthquakes. You may need to purchase an add-on or a separate policy for that to be covered. In the event that it will be challenging to determine what caused the damage (like when a storm hits resulting to strong winds and flooding), you may seek help from a public adjuster.

Roof Repair or Replacement Although your insurance company is bound to repair or replace (whichever costs less) your damaged roof, it is not as simple as it sounds. For instance, if your roof and shingles has discoloured due to old age, adding new parts to it can affect cosmetic value but replacing the entire roof could be impractical and may be out of budget. Nonetheless, most homeowners usually choose to basically replace their roofing and take advantage of their due insurance compensation in cases of roofs reaching its expected lives since they may be covered. Know what Anti-Concurrent Causation Clauses entails Anti-concurrent Causation Clause states that when two disasters occur simultaneously and the homeowner is only covered for one, the insurance company might not cover any damage. To illustrate, when your roof is blown off by strong winds, and then your home floods, your insurance company might refuse to cover the damages because flood insurance is not part of your policy. Hire Local Contractors It is essential that you choose contractors that will give you high quality service, and you’ll usually find them locally. Typically, when a windstorm strikes, contractors will flock in your region in the hopes of cashing in on the insurance claims. However, choosing an experienced and qualified local company might be a better option. Remember to ask your insurer about the requirements (estimates) you may need to submit as individual policies can have different requirements. Wind Coverage in Some Parts of Texas Because some areas are more prone to windstorms and hurricanes, insurance companies often ask extra charge for protection against wind damage. For example, in 14 coastal counties in Texas, homeowners must buy wind insurance coverage from Texas Windstorm Insurance Association. If your property has this risk, it is important to look into your insurance policy to better understand your coverage. If you have questions about a wind damage insurance policy, you may call us at (409) 945-4746​ or visit our office today. Brad Spurgeon Insurance Agency can provide you with superior customer service and low rates. Get a free quote from us by clicking here.

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Protecting Your Property Before, During and After a Flood

Do you know how to protect yourself during a flood? How about after the flood? You've probably heard lots of information over the years. We hope you won't ever need it; this start-to-finish guide to handling flood will help you remember what you should really do during an emergency and afterwards to recover as quickly as possible.​You don’t only protect your property before the flood, but you also need to protect it during and after the flood. These steps will help you prepare and recover from any possible flood damage. Before the flood: ·         You should be aware of your location’s flood zone risk ·         Have your permanent equipment elevated ·         Have a regular check up on your sump pumps and drains to ensure proper functioning. ·         If you have a generator, have your sump pump switch transferred so that it could still be operated in case of flood. ·         Have a plumber install a backflow prevention valve to prevent sewage back up ·         Plan and practice evacuation route ·         In a frequently flooded area, collect emergency building materials ·         Learn with family members how to shut off utilities during emergency ·         Prepare a survival kit with medicines, and other essential items you would need in case you leave the house During the flood: ·         Keep updated on the current situation. If advised to evacuate, shut off all utilities and evacuate immediately. ·         Transfer to higher ground areas and do not pass through any floodwaters. ·         Stay away from electrical wires and downed power lines After the flood: ·         Do not return home when it is not yet advised by the authorities ·         Check for damage and report immediately once allowed to go back home ·         Keep an eye on the snakes that may have found a route into your home ·         Discard all food that has come in contact with floodwaters ·         Remove standing water as soon as possible especially from the basement to avoid structural damage. ·         Properly dry soaked carpets to prevent mold growth. Throw away anything that can’t be properly dried. ·         Have an electrician inspect your electronic equipment that may have suffered water damage before using it ·         Disinfect all areas that have been flooded ​ Let us know how we can help you. If you have questions about a flood damage insurance policy, you may call us at (409) 945-4746​ or visit our office today. Brad Spurgeon Insurance Agency can provide you with superior customer service and low rates. Get a free quote from us by clicking here.

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Common Misbeliefs of Flood Insurance

When you think about flood insurance, chances are it isn’t a major priority to you, especially if you don’t live in a flood-prone area. However, even areas that don’t see frequent floods can still be at risk in extreme conditions. Don’t wait until it’s too late to research options for flood insurance in your area.​According to recent studies, all 50 states have experienced floods and 87% of homeowners don’t have a flood insurance policy. Why? Because there are lots of misconceptions about flood insurance, but it is better to research your options before the flood waters are approaching your home... Misconception #1: You don’t need flood insurance unless you live in a flood-prone area. To name a few, we have storms, heavy rainfall, and melting snow that can cause flood. You may have not been vulnerable to floods before, but with today’s climate change, there is no longer a safe area. It is not a bad thing to be prepared anyway, and look into flood insurance no matter where your home is located. Misconception#2: Homeowners insurance covers flood damage. Many policyholders thought that their homeowner’s insurance policy covers flood. Without being aware that homeowner’s policy may only cover damage from a burst pipe, and not all types of water damage, specifically flood. Understanding Flood Risks and Insurance Requirements in Your Area Your insurance rates and requirements are decided based on your flood zone: 1.)  High-Risk Areas Homeowners in these areas are usually required to carry a Standard Risk Insurance Policy by their lenders because there is a 1 in every 4 chance of getting flooded in a high-risk zone. 2.)  Moderate-to-low Risk Areas Homeowners in these areas may not be required by their lenders to carry an insurance policy, but it is still something to consider just to be prepared. They can qualify for a low-cost Preferred Risk Policy anyway. If you want to learn more about Flood Insurance Policy, Brad Spurgeon Insurance Agency Inc. is the one to call. You can reach us at (409) 945-4746​ or visit our office today. You may get a free quote here.

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Keep Your Family Safe at Home

According to recent studies, every year 3.5 million kids go to the emergency department for injuries that happen at home. And 2,200 children die from an injury at home. This is quite alarming. As parents ourselves we understand you want your kids to be safe but you can’t watch them 24/7, so here’s some great actionable tips to make your home safer today

Install some safety gates on your stairs that are securely attached to the wall as well as a stable and sturdy railing on both sides.

Whenever you’re near water, be it a swimming pool, bathtub or even just wet floors give your full attention to the kids.

If you’ve got a pool, make sure to keep it locked down or fenced in when not in use.

Make sure that babies sleep alone on their cribs, lying on their backs, free from toys and any other objects.

Whenever possible, give time to practice two ways to escape a fire in your home.

Have carbon monoxide detectors installed on every level of your homes and make sure your smoke alarm is functioning 100%.

Keep fire extinguishers handy and make sure everyone in your family knows how to use them.

Store your medicine out of children’s reach and remember that children can be quite crafty at getting to difficult to reach locations in your house. As your little ones get better at climbing reassess your safety locations.

Safely store your entire household cleaning chemicals and poisonous products away of children’s sight and reach.

In the kitchen, never leave sharp objects such as knives or other tools and utensils misplaced or unattended.

Place your TV on stable furniture and securely mount it to the wall to prevent a disastrous fall.

Have your windows installed with window guards to prevent children from falling out of the windows.

Keep rooms and stairs well lit at all times.

Cover your fireplace with a stable and large metal fire frame.

Make sure you have easy access to important phone numbers such as the police, the fire department, poison control, and trusted family or friends, and neighbors, in case of an emergency.

Home is a place where you spend quality time with your loved ones. So it is important that you keep your home a safe environment.  

​The Brad Spurgeon Insurance Agency Inc. would be more than happy to assist regarding tips about protecting your family in your home. Just call us at (409) 945-4746​ or visit our office today. Click here and you can get a free homeowners insurance quote from us.

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Flood Survival Essentials

Natural disasters like floods and flash floods can cause drastic outcomes to people and their properties. As the water level rises, authorities may ask you to evacuate to higher grounds for your own safety. Because situations like these can be very unpredictable, it is important to be proactive in discussing and developing a flood plan ahead of time.

When preparing for the worst case scenario, you should identify places to go and alternative routes to travel for the evacuation process. Moreover, you should assemble significant disaster supplies that can aid in your evacuation and make sure that it will last until the waters have receded. During floods, monitoring your surroundings and reviewing your disaster plan is a good practice for disaster safety, ensuring a systematic way of handling issues that may arise.

Below are the disaster supplies and tips you need to survive a flood.

Drinking Water

It is essential to have clean drinking water during disasters as it could help in body hydration. When flood is imminent, fill clean plastic containers with at least 72-hours’ worth of drinking water (approximately 1 gallon per person). It is significant to note that drinking water is highly recommended as it is safe and is less likely to cause any diseases.

Non-perishable Food

Store at least a 3-day stash of food that does not require refrigeration or cooking like dehydrated foods, canned goods and cereals. Special considerations may apply for family members needing special food like milk formulas for infants and special diet plans for those with health conditions so you must prepare all these things ahead of time as well. As much as possible, have a food supply that does not need a lot of water to prepare them.

Hygienic Measures and Items

Being sanitary and maintaining good hygiene is important to protect you from contracting diseases.  Frequent hand washing and hygienic measures are effective ways of deterring infection caused by contaminated flood waters which may cause serious health problems. As far as sanitation is concerned, the following items are helpful especially during disasters: soap, toilet paper, hand wipes or towels, bleach, personal hygiene items and feminine hygiene essentials.

Disaster Supplies

The following tools and supplies are recommended to be pre-packed and be centrally located. It is very important that all family members know its location and purpose thus including it in your disaster plan discussion, as it may help save lives should an emergency situation or any natural disaster happen.

Your disaster tool kit should include but not be limited to: flashlights, extra battery packs, battery-operated radio, wrench, pliers, multipurpose tools, signal flares, propane stove, ABC variety fire extinguisher, manual can opener, duct tape, matches (waterproof), floatation devices, tube tent, survival manual and maps, trash bags, disposable plates, cups and utensils, whistle, compass and most importantly some extra cash.

First Aid Kit

First-aid and medical supplies along with prescribed medications should be made available during disasters thus keeping a supply of these items ahead of time is very important.  Items in your first-aid kit should include absorbent dressings, bandages, adhesive tapes, antiseptic solutions and wipes, gloves, scissors, gauze pads, some medications and a first-aid instruction booklet among others.

Pack a Go-Bag

A go-bag or bug out bag is a portable kit packed with essential items needed for survival in the event of emergencies and disasters where you are to evacuate your home for 72 hours or so. If such is the case, a person who kept ready a go-bag ready is much more likely to make it through the 72 hours without much incident.

A go-bag should contain enough supply of food, water, clothing and even shelter that would last at least for three days as it may take 72 hours for disaster and relief management to reach affected people and offer some help. It is also a good practice for disaster safety to have another bug out bag in your car as it may be helpful when you have to evacuate or leave your home at once.

Avoid the following during a flood:

Wading through flood waters – As mentioned above, flood waters can be contaminated with certain microorganisms and bacteria. Once you are exposed to these germs, there is a great possibility of being infected with illnesses and diseases especially if you have broken or exposed skin.

Moreover, some objects may become more dangerous as the flood water rises. Things such as sharp objects, fallen electric lines and holes in the ground may cause fatal injuries to people wading through the waters.

Drinking the flood water – Common microorganisms like  E. Coli, Giardia, Toxoplasmosis, Norovirus, and Cryptosporidium and non-edible elements such as traces of metals, leads or fertilizers can be present in flood waters. When these are ingested and absorbed in your system, it can cause serious health problems and even lead to death.

Driving through flood waters – During heavy rains and flooding, the roadbed may be washed out. You can lose control of your vehicle when driving in flood water as your car may float or be swept away thus posing danger to your safety. Never try to drive through flood waters, even if they don’t look deep at first glance.

Brad Spurgeon Insurance Agency, Inc. specializes in homeowners and flood insurance and provides superior customer service and low rates. Protect your homes now by calling us at (409) 945-4746 or visit our office today. If you have inquiries, send us an email at brad@bradspurgeonins.com. You may also get a free quote from us by clicking here.

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Fire Extinguisher 101

Fire extinguishers play a vital role during the beginning of a fire. With proper handling, this portable device can help put out or control a small fire until the fire fighters arrive. Intended for home use, portable fire extinguishers should be centrally located and in working order, allowing easy access when it needs to be used. A brief yet concise knowledge about fire extinguishers, its uses and indications, is important. Here are some quick facts and tips you need to know about fire extinguishers. Fire Extinguishers for Different Fire TypesDifferent classes of fires would demand varied yet appropriate types of fire extinguishers. All fire extinguishers are properly labelled with standard symbols of the types of fire they are effective against and numbers which indicates how big a fire they can put out. The larger the number, the larger the fire extinguisher can take on. Classes of Fire Class A: caused by paper, cloth or fabric, wood, plastic, and other easily ignited household materials (ordinary combustibles) Class B: fires involving gases and flammable liquids like gasoline, oil, solvents, tar, grease, oil-based paint and lacquer Class C: electrical fires including machinery, wiring, fuse boxes, circuit breakers and appliances Class D: fires which are only a concern in industrial setting, involving fires caused by burning metals such as magnesium and sodium. Note that there is no numeric rating for Class C fires since the fire would revert to either Class A or B when the circuit breaker is shut down. To illustrate, when an extinguisher is labelled 5-B, C it would tell you that it can put out a five square foot grease fire and an electrical fire while a 3-A, 10-B, C fie would be for a paper fire, a larger chemical fire  and an electrical fire. The Right Extinguisher in the Right Place Now you are aware that different fires require certain types of extinguisher, you may want to own all three of them to keep you safe. Remember that some large extinguishers can be difficult to handle especially for younger children and the elderly, and others contain highly corrosive chemicals that can harm people and the environment. Therefore, a careful decision should be made when selecting one for residential use. Since Class A types can be handled with a nearby water source, extinguishers marked Type B,C should be sufficient. Although this type do not contain corrosive chemicals, keep in mind that it is vital to clean up all the powder after releasing it because it may cause short circuits in your electrical devices. As previously mentioned, it should be accessible. Your fire extinguisher should be located in plain view, mounted above the reach of children (around 3-5 feet above the floor), near an escape route and away from stoves, heating appliances, vents and radiators. Fire Safety Tip: Be Prepared! Fire extinguishers are useful under certain conditions. It is best to be ready and prepared should your house catch on fire. For starters, you should know how to operate a fire extinguisher. In an emergency situation, time is of the essence so you do not have enough time to read through the directions or get confused about what to do with it. Hence, it is very important that you have enough information on how to operate it and know exactly where to point and spray before the fire happens. The most effective way to do that would be conducting drills where you involve family members (older children and adults) so they become familiar with fire extinguisher use. You may incorporate the drills during family gatherings or holidays when everyone is home. A hands-on use of the fire extinguisher should be done after a brief discussion as an evaluation of their learning. You get to bond and learn life-saving tips at the same time. Now that should give you a good reason to rise to the occasion. How to Use a Fire Extinguisher?To help you remember with ease, don’t forget the PASS word. Most if not all fire extinguishers include instructions on the label and it would likely tell you the same thing. At the birth of fire, stand 6 to 8 feet away from it and follow the 4-step procedure: Pull the pin out. Aim low (at the base of the fire). Squeeze the trigger below the handle. Sweep the spray from side to side. It is also important that you make sure that your fire extinguishers are clean and fully charged, making them always ready to use. Unlike larger units which can be recharged by some companies, smaller one are not rechargeable and they need to be properly disposed and replaced. Above everything, consulting a professional about safety tips and having a fire safety inspection done to your home to identify potential hazards would be truly helpful. Allow us to help you protect your home with our high-quality insurance services. Give us a call at  ​(409) 945-4746 or visit our office today. Click here to get a free quote from us.

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Last Minute Flood Insurance: Is it Possible?

Home insurance pays for damage to your home, but not everything is covered. Flooding is one of the perils that will almost never be covered under a typical homeowners policy. With flooding, you need to get separate insurance for coverage. Getting insured before flooding happens would be a wise move, because there’s usually a waiting time before a policy takes effect. However, there are certain situations where coverage can take effect immediately.

How many days should you wait before flood insurance takes effect?

If you get a policy from the National Flood Insurance Program (NFIP), coverage usually takes effect 30 days from the date of purchase. But if you buy private flood insurance, on the other hand, the waiting period can be much shorter – maybe around 10 to 14 days. Not all states and communities, however, have private insurers, so ask your home insurance agent about options in your area.

If you’ve been flooded during the blackout period, the policy won’t be paying to fix the damages to your home and belongings.

When will the waiting period not apply?

Here are the exceptions to the NFIP waiting period:

You purchase flood insurance related to getting, increasing, extending, or renewing your mortgage.

You’ve already got flood insurance and you decided to adjust your coverage for inflation per recommendation on your renewal bill. The new limits will kick in once the old policy expires.

Your home is located in a burned federal land and it has increased your risk of flooding. Typically, there may be no waiting period if you get a policy within 60 days of the date the fire has been contained.

You’ve bought flood insurance within 13 months after your home has been added to a Special Flood Hazard Area map. In such cases, the waiting period is one day.

If you got your policy from a private insurer, there may also be exceptions. However, they will vary with insurers. So ask your agents for more details.

If you want to know more about flood insurance, Brad Spurgeon Insurance Agency is willing to help you. We offer reliable flood insurance products to the residents of Texas for a reasonable price. Get a free flood insurance quote from us now and talk to one of our agents. Call us at (409) 945-4746 or visit us today.

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Roof Storm Damage Assessment and Repair Tips

Extreme weather conditions like hailstorms, thunderstorms, tornados and hurricanes may still pose threats to your homes even without a torrential downpour. Damaging winds (at 60mph or higher) can hit your roof and cause enough destruction that would require you to repair or replace it. Inspection of your roof after such events is vital to identify problems and have the issues fixed as soon as possible.

Checking for Roof DamageIt pays to know what to look for when checking for damages caused by strong winds. Note these guidelines when you check your roof. 1)      Safety first! If you think you are at risk of being in danger, avoid going on the roof to check for damage yourself. Connect with a general contractor or a professional roofer. 2)      Leaks or water damage is commonly seen after a storm. Water stains may appear on your ceiling or walls which indicates the need for repairs or even roof replacement. 3)       For storm damage from the ground, asses you property for missing metal pieces and shingles, check the condition of valleys, exhaust pipes and outer edges. 4)      If your property suffered from structural damage due to a tree which fell on your roof, you may need to hire a contractor or a roofer since you may need more than roof repairs.   5)      After a hail storm which causes dents and dimples on the outer layer of shingles, you need to check for siding and roof damage. Contact the Right Roofer and Have the Right MaterialsIt is important that you connect with the right people to do the job, whether your roof needs repairing or replacing. Experts would suggest that homeowners should find companies with experienced workers and avoid those that offer to pay their deductible. Furthermore, in terms of materials to be used in the repair and replacement of your roof, considering better alternatives such as metal or composition shingles for the traditional ones would be advantageous to help prevent storm damage in the future. Contact your Insurance CompanyIt is best to contact you insurance agent if your property suffered any damages after the strong winds so they can assess the property and determine whether you should file a claim. It is also important to remember to keep receipts for all work done as policies will cover such expenses and can aid in the reimbursement should you file a claim. Protect your home by having insurance. Brad Spurgeon Insurance Agency Inc. specializes in homeowners, windstorm, hail, and flood insurance. Contact us for your insurance needs at (409) 945-4746 or pay us a visit at our office today. You may get a free quote by clicking here.

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Does Home Insurance Cover Mold Damage?

Mold causes homeowners to worry about denied insurance claims. But yet mold can be found anywhere and it’s usually harmless.

Mold thrives in moisture. Problems arise for homeowners when they didn’t detect or resolve persistent moisture resulting to mold growth. This persistent moisture can be caused by flooding, high indoor humidity, or leaky roof or pipes.

Whether or not mold damage is covered by your home insurance, it usually comes down to the source of the moisture. Take time to review your policy; pay particular attention to the part that pertains to water damage. Look for mold limitations or exclusions. If the policy is unclear to you, don’t hesitate to call your agent.

Mold Damage and Home Insurance

Most standard home insurance policies usually exclude mold coverage. But that doesn’t mean that a mold claim will be immediately denied. More often than not, when mold growth is caused by a sudden and accidental covered peril, the remediation cost may be covered. Claims are often rejected if it is caused by neglected home maintenance.

Most policies usually have limitations on their mold coverage. These limitations often vary, but a typical home policy will provide coverage between $1,000 and $10,000 in mold remediation and repair. It’s important to note that mold damage caused by flood is often not covered by insurers. Because of that, homeowners need additional flood coverage.

Additional Mold Coverage

You can opt to get extra mold coverage in addition to your existing home insurance policy. Don’t hesitate to call your agent.

Note that insurance premiums for your additional coverage vary according to your place of residence and the value of your home. You can pay anywhere from $100 to $1,500 for the extra coverage on your policy.

Generally speaking, older homes located in humid climates are more expensive to insure than newer homes in dry climates. Homes that were constructed within the last five years are likely to have mold-resistant woods, paints, and drywalls.

Moisture Prevention

The best way to avoid getting denied claims due to mold is mold prevention. To prevent mold growth, follow these tips:

Use paints and primers that have mold-inhibitors.

Clean gutters to prevent overflowing and check the roof for leaks.

Check hoses and fittings on toilets, sinks, and appliances.

Decrease indoor humidity in your home using air conditioners, dehumidifiers, and exhaust fans.

Use household cleaners with mold-eliminating ingredients such as bleach.

Don’t use carpets in wet areas like bathrooms and basements.

If your house is flooded, remove and dry carpet, upholstery, and padding within 48 hours.

Proper home maintenance and having the right insurance are the best way to protect your finance. Brad Spurgeon Insurance is an independent agency that specializes in providing home insurance products that you can rely on. Get quoted by us for free. To know more about our offers, call us at (409) 945-4746  or visit us today.

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Helpful Tips on Flood Survival

Whether or not you live in a flood-prone area, being prepared for natural disasters is important. Flooding happens when the water level rises. It is often caused by major storms or clogged waterways.  Highly susceptible areas include swamplands, plains, valleys, and areas near bodies of water.

Preparing for Flood

Determine which areas are known to flood suddenly such as drainage channels, canyons, and streams. Bear in mind that flash floods can happen in these areas with or without notice of rain clouds or heavy rainfall.

Know that flash flooding may occur anytime. If that is a possibility, move to a higher ground immediately. It’s best not to wait for instructions to move.

Prepare an emergency kit with at least three days of supplies for everyone in the household. This includes water, flashlight, battery-operated radio, non-perishable food, extra batteries, medication, first aid kit, personal hygiene and sanitation, multi-purpose tools, and copies of certain important documents.

Listen to the news for updates in your area. Understand the difference between a flood watch and a flood warning.  A “watch” means there is a possibility that a flood may happen in your area. Whereas, “warning” means a flood is already happening or will happen soon. Prepare to evacuate anytime.

Evacuating Before or During a Flood

When you’re warned of a flood in your area, evacuate. Go to a higher ground and stay there until it’s safe.

If there’s still enough time, secure your home. Move important things to an upper floor or higher ground. Bring outdoor furniture inside your home.

Make sure to turn off utilities at the main switches or valves when instructed to do so. Electrical appliances should be disconnected. Never touch electrical equipment if you’re wet or standing in water.

Never walk through moving water. But if you have to walk in water, make sure the water isn’t moving. Have a stick handy to check the firmness of the ground.

If you stumble upon a flowing stream and the water is already above your ankles, turn around and go the other way.

Make sure that you keep your children out of the water.

Driving During a Flood

Keep in mind that approximately six inches of water can already reach the bottom of your cars causing it to lose control. A foot of water will cause vehicles to float. Two feet of moving water can carry cars away, including pick-up trucks and SUVs.

If you come upon a flooded road, turn around and go the other way.

Never drive into flooded areas. If flood waters rise quickly around your car, abandon the vehicle and go to higher ground if it is safe to do so.

After the Flood

Don’t return home unless the authorities have deemed it safe.

Listen for updates about whether it’s safe to drink the community’s water supply already.

Avoid floodwaters as it may be contaminated by raw sewage, oil, or gasoline. It may also be electrically charged from downed power lines.

Stay away from downed power lines. Report them to the power company immediately.

Be mindful of areas where the flood has receded. These roads may collapse under the weight of a car.

Be extra cautious when entering buildings. There may be damage to its foundation, causing it to collapse.

Keep out of buildings surrounded by floodwaters.

Have your septic tanks, pits, cesspools, and leaching systems checked and repaired as soon as possible. They can cause serious health problems.

Remember to clean and disinfect anything that got wet.

After it’s safe to go back home, call your insurer immediately about your flood insurance claim. Doing so will also give you an idea on what to do and where to start as you begin checking for damages and cleaning up your home.

Brad Spurgeon Insurance Agency offers flood insurance products that protect you against property loss from flooding. We have a list of insurance carriers that will offer you the best policies that suit your needs at a competitive price. Get quoted by us for free and discuss your options with us. Call us at (409) 945-4746 or visit us today.

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Saving Money on Windstorm Insurance

If you reside in an area that requires windstorm insurance, you may be aware of the expensive insurance premiums. Fortunately, there are ways in which you can mitigate that expense. The best way to reduce your premium is through wind mitigation inspection. Here are some tips. Evaluate the need for a wind mitigation inspection. Wind mitigation inspection will help you save money. With the hurricanes that the southern United States has experienced over the years, many insurers have raised their prices to unbearable levels. Create a plan to mitigate expenses. Wind mitigation inspection is a close inspection of your home that may help reduce your premiums by up to 45 percent. This service is obviously very useful and one that pays for itself in a short amount of time. Savings from reduced wind insurance payments may go towards paying your mortgage or debts, or into your savings accounts. We could all use more money, right? Thus, we should always find ways to save on expenses. Understand the effects of windstorms to your home. Windstorms can cause extensive damages for many reasons. The incredibly strong winds can assault your home in a number of forces. They create shearing, uplifting, and lateral forces that can result to massive home destructions. More often than not, they will also destroy the doors and windows to your home, thereby allowing water to come in, resulting in severe damage to the interiors. Windstorms can also cause debris to blow into your home, destroying your property. The worst case scenario is high powered winds causing your roof to come off, wreaking havoc on an unprotected structure. Know what to expect during the inspection. A certified expert inspector will come to your property during a wind mitigation inspection. They will look for key features of your home that show that it will less likely be damaged during a strong windstorm or hurricane. Features like a hip roof, shutter and opening protection, single or double roof straps, concrete block construction, and the presence of secondary water resistance barriers may qualify for wind mitigation certification. Weigh the cost and benefits. The cost of a wind mitigation inspection is very reasonable. They usually cost around $150 and it can take less than 20 minutes. After an inspection, homeowners can typically save 10% to 45% on insurance should your home be deemed eligible for certification. ​ Since windstorm insurance can be very expensive, it would be wise if you choose a reliable insurer. Brad Spurgeon Insurance Agency offers windstorm insurance policies to the residents of Texas for a reasonable price. We have a list of reputable insurance carriers you can choose from. Get a free a quote from us today and know your options. You may call us at (409) 945-4746 or email us here.

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Tips on Making a Child-Friendly Home

Kids are naturally curious. We need to be vigilant with our children. We need to supervise them at all times. If you let them out of your sight for even just a minute, they can get injured. While you may feel that it is a safe place for your child, you’d be surprised of how many hidden dangers are lurking in your home. Here are things you should be cautious of. Coffee Be mindful of where you put your morning cup of coffee. Your child can accidentally tip it over, causing them burns. Burns from hot water and other liquids are one of the most common accidents in children at home. Standing Water Drowning doesn’t only happen in swimming pools. Standing water, even if it’s only an inch deep, can cause harm to your child. Note that the riskiest room in your house is the bathroom. Your child can lean over and look into the toilet or bathtub, and they trip and fall in. As much as possible, keep your children out of the bathroom unless you’re closely supervising them. Teach household members to keep the door closed at all times. Ice chests, water buckets, pails, and whirlpools can pose risks as well. Make sure you empty buckets, bathtubs, and pails completely after using them and never leave them unattended. Adjust the thermostat on your water heater to avoid burns. Button Batteries Button batteries are high-powered lithium batteries that are used to give power to small electronic devices like watches, greeting cards, remote controls, and others. When these batteries are swallowed, they cause severe tissue damage and chemical burns. Once swallowed, you only have two hours to get it out before it can cause irreversible damage. Thus, if this happens to your child, head to the nearest hospital immediately. Televisions There have been many cases of children 8 years old and younger who were crushed by falling TVs that led their death. How can you prevent this? Use a sturdy, adequately-sized stands and shelves to support your TVs. Never place them on stands that have drawers. These drawers can be used by kids to climb to the top. Also, don’t put remote controls, toys, or basically anything on the top of the TV. Doing so will only fuel your kid’s curiosity. Making your home child-friendly will not only protect your children but your pockets as well. The costs of treating a child due to preventable injuries can hurt your pockets. Be mindful of the things in your home. Inspect it regularly and make sure nothing in it can hurt your child or your visitors. While you’re at it, make sure your home is protected with insurance. Brad Spurgeon Insurance Agency helps in protecting your pockets from the risks you face every day. We offer home insurance products that you can customize according to your needs. Get a free quote from us today and let’s discuss your options. Call us at (409) 945-4746 or visit us at our office.​

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Helpful Tips on Minimizing Windstorm Damage

Windstorms can strike anytime, causing significant property damage. That is why it’s important that you prepare your property to help keep the damage at a minimum. Here are ways you can reduce damages. ​ Maintain trees and shrubs. During a storm, there’s an increased risk of branches and tress falling on your property. That’s why if windstorms are frequent in your area, you should keep trees and shrubs maintained especially when they’re directly over your roof or near windows. Make sure your doors and windows are strong enough. The doors and windows of your home are usually the direct route of winds to enter your property. If that happens, it can cause intense interior damage and possible injuries due to shattered window glass. An excellent way to protect your windows is to install protective shutters designed to protect your glass doors and windows completely. Installing impact-rated windows and doors will also help protect your property and increase its structural stability. Doors that open outwards can also reduce the chances of the door blowing open due to strong winds. Strengthen the Roof System of your Home. Windstorms most commonly cause roof damage. That is why making roof inspection a habit is essential. Take note of the previous damages even if they’re small. Knowing the roof condition of your home can make a difference in preventing further damages to your property. If your roof is in bad condition, it results in a serious problem in the long run. In addition to roof inspection, choosing the right material for your roof can make a difference between a roof that’s storm-resilient and damage-prone. The ideal function of a roof is to direct wind force down to the walls and then to the ground. If you don’t have a storm-resilient roof, chances are your roof would end up somewhere else. Replace damaged shingles immediately and install asphalt or class 4 metal shingles that can withstand a harsh windstorm. Your ridge vents should be storm-proofed. Ridge vents that are in bad condition will make your property more vulnerable to water damage due to high winds. Water will eventually seep through the ceiling, damaging the interiors. Consider replacing your current ridge vents with water-resistant ones. Outdoor objects must be secured. Valuable outdoor items (e.g. vehicle and lawn furniture) should be stored indoors if there’s still space available. That’s because it’s dangerous to leave them outside during a storm especially when the winds are strong. You wouldn’t want your outdoor things to become debris after a storm. These are just some tips that can minimize windstorm damage. Although you cannot prevent severe weather conditions, you can still stay ahead of the damage it may bring with enough preparation. Aside from that, have a peace of mind by protecting your home and pockets with the right insurance. Brad Spurgeon Insurance Agency is an independent agency that specializes in providing home protection to the residents of Texas. We offer windstorm insurance that you can customize according to your needs. If you want to know more about this type of insurance, don’t hesitate to call us at (409) 945-4746 or visit us today. You may also get a free windstorm insurance quote by clicking here.​

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Flood Insurance: What it is

Floods can happen almost anywhere. You don’t have to be in a high-risk area to be affected by it. In fact, even just an inch of water into your home can already cause property damage. In the U.S. alone, flood-related damages cost homeowners over one billion dollars per year.

​Did you know that flooding isn’t covered by any property insurance? Whether you have home insurance or business insurance, you may need to get a separate flood insurance policy to have financial protection from flood damage.

What does Flood Insurance Cover?

Most flood insurance policies give you three types of protection.

Building Coverage: This coverage provides protection of the physical structure of your property, be it residential or commercial.

Contents Coverage: This coverage provides protection of your belongings and everything inside of your property. It includes coverage for clothing, grills, furniture, and microwave ovens.

Replacement Cost Coverage: This coverage will reimburse you for the replacement cost of your home. Note that this is only available to single-family homes that are insured to about 80% of the total replacement value.

Flood insurance may also cover the cost of items that are used for property protection from imminent dangers of flooding. To know more about the extent of flood insurance coverage, make sure you talk to your agent.

Are there Limits to your Flood Insurance Coverage?

An insurance limit is a maximum amount your flood insurance policy will pay for a covered event. You will be responsible for the losses or damages exceeding the limits of your policy. Most flood insurance policies have the following limits:

Your flood insurance policy’s building coverage can insure your home’s structure for up to $250,000, and your commercial building for up to $500,000.

The contents coverage, on the other hand, will insure your personal belongings at home for up to $100,000, and up to $500,000 for your commercial building. Contents are often covered for its actual (market) value, not the purchase price.

If you want to have coverage for more than these maximum limits, you can purchase additional coverage. Discuss your options with your agents.

Here at Brad Spurgeon Insurance, we specialize in providing flood insurance coverage to Texas residents at a competitive price. Get a free quote from us now and talk to one of our agents. Call us at (409) 945-4746 or visit us today.

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What Home Insurance Protects

There are many types of home insurance policies that cater to the unique needs of a homeowner. However, not everything is covered in a standard policy. That is why it pays to have an idea of what’s protected in the policy. ​Dwelling When it comes to homeownership, you should think about the possibility that your house can be damaged anytime due to various causes. Having a home insurance policy will give you the peace of mind in knowing that you are covered if something happens. A standard home insurance policy includes coverage for your dwelling, as well as other structures attached to it. Personal Property Home insurance doesn’t just cover the home structure itself. It also covers your personal belongings. That is why it is very important that you know the monetary value of your belongings. This doesn’t mean you need to make a list of every single thing you own though. But it would be wise if you make a home inventory, paying particular attention to things having high personal or monetary value. Make sure that you’ll be able to tell your agent the approximate value of the expensive things you own. Depending on how much those items are, your premiums may rise or fall. Nonetheless, you’ll have coverage in case they are stolen, lost, or damaged. It’s also important to keep in mind that personal property protection has its dollar limits. Check your policy to ensure that it gives you the right amount of coverage for your belongings. If it doesn’t, talk to your agent about the best options for you. Natural Disasters Natural disasters may or may not be covered by a standard homeowners policy. Most home insurance plans provide coverage for lightning, hail, windstorms, and fires. Earthquake and floods, however, may not be covered depending on your carrier and your state. Discuss your options with your agent. If you want to get earthquake or flood insurance, you can purchase a separate policy that will cover your home and belongings. Bodily Injury Liability You might not have given it a thought, but accidents happen. Unfortunately, so do lawsuits – even among family and friends. A standard home insurance policy covers bodily injuries that happened on your property. Bodily injury liability coverage will give you financial protection against medical bills and lawsuits. If you want to know more about home insurance, talk to one of our agents here at Brad Spurgeon Insurance Agency. We are more than willing to assist you with your insurance needs. Get a free insurance quote from us by clicking here. Call us at (409) 945-4746 or drop by our office during business hours.​