Category: Renters Insurance

How much are your Fire Department service charges?

After you experience a fire at your home, seasonal, rental, or farm property the last thing you should have to worry about is an unexpected bill in the mail from the fire department.  Many policies have an automatic limit of $500 for fire department charges, which in the past was enough to cover those charges.  But things have changed, and as your agency we want to make sure you are informed about the changes.

WHAT WE HAVE FOUND

We have found that some fire departments have raised their minimum fee to $1,000.  We recently heard from an insurance company we represent that a client who experienced a house fire received a bill from the fire department in excess of $5,000!  A situation like that would hit your pocketbook hard.

WE ENCOURAGE YOU TO:

  • Check with members of your town board, or your servicing fire department to find out how they determine their charges
  • Find out if there is a maximum amount they will charge in the event of a fire.
  • Ask whether additional charges will be assessed if other local fire departments are brought in to assist.
  • Inquire about the possibility of extra charges if heavy equipment such as backhoes are being used to aid in fire suppression.

CAN ADDITIONAL COVERAGE BE PURCHASED?

Depending on your insurance company, you may be able to purchase additional coverage limits at a fairly reasonably rate.  Cost is typically between $10 – 20 per $1,000 coverage.

WE’RE HERE FOR YOU

If you have additional questions, or want a price quote, please give us a call, or stop in.  Our All-Time Insurance staff always is happy to provide you with the information you need in order to make informed decisions about your insurance coverage.

How to Maintain a Dry Basement

As insurance agents, we see many people that have to go through all of the stress and hard work of going through water damage in their home.  We want to help you minimize the chances of having water damage in the basement of your home by providing these tips and links:

  • Checking and maintaining your home for foundation for leaks , faulty pipes or moisture collecting within your home (see infographic to right for signs)
  • Monitor and supply back up for your sump pump
  • Install a backwater valve to prevent sewer back ups
  • Prepare the outside of your home to allow water to drain away from your home during rain and a wet season
  • Make sure that you protect your belongings and appliances by storing your items for minimal damage and checking your ventilation system periodically

If you have any other questions to discuss with All-Time Insurance, send us a note.

Source: Secura Prevention Connection and Insurance Institute for Business & Home Safety