TUESDAY, DECEMBER 17, 2013
Homeowners insurance can safeguard your home and property from such hazards as fire, storms, vandalism, theft, etc. Before purchasing a policy, you should review coverage to ensure you’re getting the kind of protection you need.
Homeowners insurance generally covers water backup damage caused by sewer or drain problems if the problem originates on your premises. An example of this would be a drain blockage from a toilet or shower in your house that overflows onto your property.
To obtain protection from water backup damage caused by sources off your premises, such as a sump overflow, you would need to purchase an endorsement policy. Protection against flood damage would require purchasing flood insurance as this is not covered by either your homeowners or endorsement policy.
By discussing coverage options with your agent, you can obtain adequate coverage to meet your particular needs. PMA Insurance Services, LLC offers homeowners insurance coverage from such top insurers as Progressive, Travelers, Hartford, Metlife, Allied, and Safeco. Learn more about coverage options and get a homeowners insurance quote today by contacting any one of our insurance specialists at PMA Insurance Services, LLC at (703) 449-1327.
THURSDAY, DECEMBER 12, 2013
Granted, when most people think of deer season, they think about hunters roaming the woods, wearing day-glo orange vests and trying to bag a buck with the largest rack of antlers possible. However, for other people, it means paying a lot more attention to what is in the road in front of them. That’s because deer, especially during mating season, have a tendency to not pay attention to roads, cars, trucks or anything else.
More deer are hit by a vehicle during mating season than at any other time because of the additional activity and hitting a deer, even with a transfer truck, can literally destroy a vehicle.
Here are a few tips to help prevent having a deer for a hood ornament during mating season:
1. Be especially cautious at night. Deer are very active during mating season and dusk to dark is a very active time for them.
2. Install headlights that give you a wider perspective. The wider view you have off of each side of the road may give you that split second advantage if a deer is preparing to cross.
3. Slow down at Deer Crossing signs. If there’s a sign there, it’s there for a reason.
4. If you see one deer, there’ll be two. While this isn’t always the case, more often than not, it is. If one deer crosses in front of you, slow down even more since a second one will probably be crossing as well.
Even with great eyesight, plenty of lead time and all the tips in the world, things still happen. That’s when having great car insurance with an agency like PMA Insurance Services, LLC can help Northern Virginia area drivers stay on the road. If you’re concerned about what your car insurance covers and whether you have enough insurance to fiscally protect you, give us a call today. We can be reached at (703) 449-1327.
THURSDAY, DECEMBER 12, 2013
If you are at the Home:
Wrap insulation around water heater & pipes
Add a small amount of anti-freeze in both tank & bowl of each toilet
Consider purchasing a low temperature sensor & heat /freeze alarm monitor
Clean gutters to avoid clogging & prevent ice dams where water backs up, freezes & causes water to seep into your house
If you are Not at the Home:
Shut off water systems by turning off the pump or shutting the valve if on city water
Drain the pressure tank
Open all faucets
Break a union close to the valve so water will drain out clear to the shut-off valve
Drain pump & run a second or two to be sure all water is out of lines from the pump
Flush toilets & dip all water out of the flush tank or put in some anti-freeze
Be sure to drain flexible spray hoses in showers & sinks
Drain water heaters & softeners
Your Homeowners Insurance Solution is PMA Insurance Services! (703) 449-1327
MONDAY, NOVEMBER 18, 2013
66% … of employees in large organizations say they would “definitely” (27%) or “probably” (39%) be willing to discontinue their employer-based coverage and purchase health insurance policies on a public exchange if they could receive a monthly premium discount of between $50 and $100, according to a new survey by the National Business Group on Health.
(From AIS Reform Weekly)
MONDAY, NOVEMBER 18, 2013
The time you spend in fall to prepare your home for the winter season can save you money in heating bills and costly repairs. Seasonal household preparations involve so much more than the outdoor work that people typically associate with autumn.
There are equally important preparations to take care of inside the house. If you’re willing to take the extra time to inspect those hidden areas for potential problems, you’ll be able to relax in the comfort of a warm, properly insulated and well-sealed home.
Add these helpful suggestions to your to-do list of seasonal preparations.
♦ Have Your Home’s Heating System Inspected
An $80 to $100 investment (the cost of the inspection,) may save you considerably more on winter utility bills. Doing this before you need to heat will also ensure that you don’t have to wait for a repair person on a miserably cold day. When they inspect your system, they will make sure it runs properly, and that the filters are clean.
♦ Reverse the Fan Blade Direction Switch on Ceiling Fans
Doing this will produce an updraft. This forces warm air down, something that is especially helpful in homes that have high ceilings. It may even allow you to turn the thermostat down enough to result in lower heating costs throughout the winter months.
♦ Clean Out Your Gutters and Downspouts
You may want to hire a professional to clean out your gutters and make sure that the downspouts aren’t blocked. If autumn is typically very rainy, you don’t want your gutters so clogged with leaves and other debris that the gutters are incapable of catching the rain. If you get a lot of snow throughout the winter, the gutters will catch water from melting snow that accumulates on the roof, preventing it from pooling there.
♦ Have Your Roof Professionally Inspected
A roof inspection will make sure that the shingles are intact, that none have curled, and that there is no flashing corrosion. The roofer will also make sure that there are no leaks that could allow cold air or water to enter.
♦ Inspect Carbon Monoxide, Smoke Detectors and Fire Extinguishers
Replace batteries in your carbon monoxide and smoke detectors. Have your fire extinguisher professionally checked, if you purchased it recently. If you have an old one, look for the expiration date. It may be time to replace it.
Make sure you’ve updated your homeowners insurance, especially if your circumstances have changed. If you’re new to Northern Virginia area, contact PMA Insurance Services to get an instant quote today at (703) 449-1327!