Protect Your Home During a Vacation

It’s finally vacation time and you’re excited about much needed relaxation. When you go on vacation, you want to be able to forget about the struggles at home and not have to worry about your home and your things. Here a few tips to ensure you have a safe trip without an unneeded insurance claim when you return.

Home Burglary Prevention

First, let’s talk about burglaries. To prevent your home from being broken into while you’re away, take a few precautionary measures.  If you live near neighbors you trust, consider letting them know you’ll be gone on vacation, and offering them a way to contact you in case something at your home looks suspicious. If you’re active on social media, be cautious about what you tell your online friends about your whereabouts. Sometimes we are so excited that we inadvertently give too much information about ourselves, leading would be criminals right to our door while we are away.

Keep a light on. Whether you just keep an inside light on the entire time you’re away, or you put an inside light on a timer for a more authentic feel, having a light on will deter unwanted strangers from entering your home in the evening. The more you give the appearance that you are home, the less likely a home burglar will be inclined to invade your space. In addition, consider trimming back bushes and trees, as many thieves use such items to conceal themselves from the street as they break into your home. Walk around the perimeter of your home and try to think like a criminal, if there is a ladder or box near a window, move it to make accessing your home inconvenient.

Close the shades and blinds of your home before you leave. Doing so will conceal your valuables from a stranger’s view, making “window shopping” not as easy or convenient. You don’t want to advertise to passers by that you have the latest gaming system, or that you own nice pieces of jewelry.

Have your mail and newspaper deliveries held or have them be picked up by a friend. There is nothing more obvious that you’re away than newspapers building up on the driveway and a full mailbox. You might also ask them to check your door for solicitations, asking them to remove any door hangers or advertisements they may find.  If you will be away for a long period of time, have someone mow your lawn. An unkept lawn is another sign of a homeowner who might be away. Lock all your doors, gates, and garage openings.

Now let’s talk about property damage. Spend a few minutes going around unplugging appliances that will not be in use.  In case of a storm, your appliances will be protected from power surges, and possible fires. Turn down the thermostat so the a/c or heater isn’t working constantly. This will save you money, but it will also help prevent something from going wrong while you are away, only to come home to a flooded a/c unit or a burned heating element.

If you’re going to be away for an extended amount of time, you’ll want to consider turning off the main water valve to your home, including sprinkler units, especially in the winter time when ice can break water pipes.

Remove toys and other items from your yard that might cause damage to your home, like windows or your roof, in the case of severe weather.

Taking a few moments to safeguard your home will allow you to take a vacation without worrying about what is going on with your valuables. Do the work beforehand so you can rightfully relax while you’re away!

We also recommend that you give your neighbor your insurance agent contact info. Should something happen such as water damage, you will want your agent to begin handling the claim to prevent further damage.

Protecting Against Roof Repair Scams

It is that time of year again… Monsoon Season!

photo from boomerinthepew.com

During Monsoon Season, homeowners experience the beauty and splendor of the Arizona terrain. Flowers are in bloom thanks to more rainfall, hail and the beauty of our sunsets is magnified. It is the time of year when the animals come out in force- more than any other time of the year. Everything is radiant, until one morning when you look up and see what you have been dreading since the rains first started. Nightmares of that last hail storm begin flooding your dreams: roof damage. This damage is of course, not always delivered in the form of hail. Tree branches and high winds can add damage to already aging roofs and deteriorate living conditions and affect the costs of utilities over time if repair is stalled for too long.

An even bigger hazard to your health, your roof, your wallet AND you standing with your insurance are roof repair scams. Everyone has heard the horror stories of scam artists who took their victim’s insurance money and disappeared into thin air, leaving behind unfinished work or not showing up to do work at all. We have found through the years of taking calls from clients that not all roofing contractors are the same.

Here are a few tips to help protect you from roof repair scams:

Take the time to shop around: There is no shame in getting multiple quotes from different roofing companies. Go for it! In addition, your insurance agent may even be able to provide a list of roofing companies or refer you to roofing contractors that are located in your area. But you will never know if you don’t ask.

Don’t find yourself in high pressure situations: If a salesman is trying to pressure you or if something just doesn’t feel right about it- listen to your gut instincts. A good roofing contractor will work with you in order to get your business, not pressure you into a contract.

Research all roofing companies that you are considering: Before you begin deciding which roofing company you want to use, make sure that they are a legitimate business with a license to do home repair work in Arizona. The presence of a contractor’s license is very important as it can help to identify whether or not the company is a legitimate business. You can look up license numbers and get more information at the Arizona Contractor License Center.

In addition to the above website, you can also refer to websites such as the Better Business Bureau (www.bbb.org) or websites such as Angie’s List (www.angieslist.com), which can aid you through reviews written by previous customers (however, you should always take these reviews with a grain of salt).

-Don’t be afraid to ask questions: This is your roof. It is something that will be hanging over your head (literally), for quite some time. Asking questions is not a bad thing. Often times, a good company will encourage asking questions.

NEVER pay prior to repairs: One staple of being scammed is that the salesman will want the money before the work is started. So don’t give the full amount until the work is complete. Some roofing companies do require money before hand, but a legitimate contractor or roofing company shouldn’t ask for the full amount prior to completing the project.

Storm Damage:

If you do have storm damage and you have extensive water damage in your home, you should call a water damage repair contractor. Many times you will have a tree that has fallen and you need a tree removal company.

For more tips and articles regarding insurance, please visit: Arizona Capital Insurance.