http://fireandfloodrepair.com/articlelive en-us http://fireandfloodrepair.com/articlelive N/A rossmorrell@hotmail.com Fri, 21 Nov 2008 15:23:49 CST 20 http://fireandfloodrepair.com/articlelive/articles/53/1/Millions-of-Renters-Lack-Insurance%2C-Says-Agents%26%2339%3B-Survey Almost 25 million U.S. families renting their homes are going bare on insurance coverage, leaving themselves vulnerable to serious property and liability losses. Many renters without coverage own valuable, high-tech equipment and face higher risk related to pets, a new national survey conducted by Trusted Choice finds. Trusted Choice Sun, 02 Jul 2006 00:00:00 CDT http://fireandfloodrepair.com/articlelive/articles/51/1/Cover-yourself-against-flooding It's hard to forget last year's hurricane season and the lessons we all should have learned from it. One of the chief lessons for both homeowners and renters: Consider getting flood insurance. Michelle Singletary Sun, 02 Jul 2006 00:00:00 CDT http://fireandfloodrepair.com/articlelive/articles/48/1/Flood-insurance-changes-coming Even though flooding is always a threat in our region, only a small percentage of residents are required to buy flood insurance.That might soon change as Congress looks for ways to bolster the nearly bankrupt National Flood Insurance Program. JEFF MURRAY Sun, 02 Jul 2006 00:00:00 CDT http://fireandfloodrepair.com/articlelive/articles/46/1/Most-Flooding-Damage-Is-Uninsured Most of the property damage caused by flooding, is uninsured because property insurers exclude flooding from homeowners policies and most property owners do not purchase flood insurance from the federal government. Ross Morrell Sun, 02 Jul 2006 00:00:00 CDT http://fireandfloodrepair.com/articlelive/articles/21/1/Keeping-Water-Claims-from-Becoming-Mold-Claims Most Texas residential property insurance policies, including homeowners and renters policies, provide some coverage for damage that results when water escapes from plumbing, appliances, air conditioning or other sources. Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/20/1/What-Is-And-Is-Not-Covered-By-Insurance Most water damage losses are covered by home owners insurance policies. But there are exclusions. The best time to check to see what is and is not covered by your insurance policy is before you have a problem. Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/19/1/The-basics-of-renters-insurance The basics of renters insurance If you rent an apartment or own a condominium, you need insurance to protect your belongings. While your landlord or condo association might have insurance, it only protects the building. Your belongings are not covered under those policies. Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/16/1/Water-Damage%2C-Mold-and-House-Insurance You've had water damage in your house due to a burst pipe, a roof leak or a heavy summer storm. You hope that your insurance will cover the damage. What to do? First, read about mold below. You may not know the implications of water and mold damage. Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/15/1/Protect-Yourself-When-Renting-Your-Home You absolutely have insurance issues to consider when renting out your home. As you might have guessed, rental property owners have some unique insurance needs. A standard homeowners policy isn't appropriate for rental property, because: Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/14/1/Does-Your-Insurance-Cover-Water-Damage%3F During a cold snap, the pipes in your building freeze and burst. While doing a load of laundry, your washing machine overflows. A heavy rainstorm causes water to leak through the roof of your building--and you live on the top floor. Water damage occurs frequently, so it's a good idea to know what is (and isn't) covered by insurance. Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/13/1/Protection-From-Winter-Storm-Damage Winter's here, and with it comes inclement weather. Here are some questions and answers on how to make sure your property is insured against winter storm damage. Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/12/1/Get-the-Home-Insurance-Facts Buying a home is one of the single largest investments that most people ever make. If you need to protect that investment, your main line of defense is homeowners insurance Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/11/1/Tornadoes%2C-Lightning-etc.---Are-You-Covered%3F Severe weather can pose a major threat to your home and property. Tornadoes, earthquakes, hurricanes, winter storms, severe thunderstorms, and flooding can damage or destroy your home in a matter of minutes. And while you can't control the weather, you can be prepared. Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/10/1/Flood-Insurance---Are-You-Covered%3F Is your home insured against damage brought by flooding? In all likelihood, it isn't… not unless you have purchased a separate flood insurance policy. Most homeowners' policies will cover wind or rain damage but will not cover flood damage, whether caused by hurricanes, tropical storms, or what have you. If the wind rips off your room and the rain drenches your attic, you're covered. But if the river overflows its banks and floods you out, you're out of luck… Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/9/1/Am-I-Covered%3F--Common-Questions-Asked-by-Homeowners If a fire, flood, earthquake, or some other natural disaIf a fire, flood, earthquake, or some other natural disaster were to destroy or damage your home, would you have the right insurance coverage to rebuild your house?ster were to destroy or damage your home, would you have the right insurance coverage to rebuild your house? Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/8/1/Homeowner%26%2339%3Bs-Insurance%3A-Are-You-Covered%3F Thousands escaped the October 2003 Southern California wildfires alive only to see their homes burned to the ground. For the 3,600 families to suffer this way, one critical question leapt to mind immediately once the smoke cleared: Will my insurance cover my loss? Too often, sadly, the answer was "not entirely." Ross Morrell Fri, 30 Dec 2005 00:00:00 CST http://fireandfloodrepair.com/articlelive/articles/2/1/Homeowners-Insurance Homeowners insurance protects you from financial losses caused by storms, fire, theft, and other events outlined in your policy. It is important to know what's in your policy. Ross Morrell Sun, 27 Nov 2005 00:00:00 CST