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MPIUA Experts: Home Insurance Is an Affordable Housing Issue

5/14/2024

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Premiums are soaring due to climate risks, which helps to sideline buyers who may have intended to invest in property mitigation measures. That’s a loss for the entire housing market.

Rising home insurance premiums are making it increasingly difficult to achieve homeownership in America, experts said Thursday at an affordable housing symposium in Washington, D.C., hosted by the National Housing Conference.

“Premiums are increasing faster than property values,” said Michael Butchko, vice president of business intelligence at Neighborworks America. He pointed to research from Policygenius(link is external), an online insurance marketplace, showing that home insurance premiums nationwide increased an average of 21% year over year in May—translating to an annual hike of $244. In some areas, premiums spiked 50%, according to Policygenius.

These escalating insurance costs are forcing some would-be home buyers out of the market and some homeowners to sell. Major insurance providers are canceling policies and pulling out of areas of the country prone to natural disaster, further leaving homeowners in a bind. Some owners are “going naked,” paying off their mortgage early to avoid the homeowner’s insurance requirement by their lender.

The rising cost of insurance is an affordable housing issue,” said Thom Amdur, senior vice president of policy and impact at investment firm Lincoln Avenue Communities, adding that frequent and intensifying climate events, surging construction costs, inflation, and declining competition in the insurance marketplace are putting upward pressure on premiums. The hikes aren’t just hurting homeowners but also developers, which could lead to fewer affordable housing projects, he said.

Measuring Future Risk to PropertyTechnology and data can point to the areas at greatest risk of wildfires, hurricanes, wind damage, storm surge, earthquakes, flooding and snowstorms, said Peter Carroll, head of public policy at CoreLogic. Data models also can project 15 to 30 years out, using different climate change scenarios.

“Technology can provide powerful measurements of possible underinsured losses for any property,” Carroll said. But, he cautioned, “risk profiles could shift in 15 or 30 years from now, and we could fundamentally see different risk profiles on properties. So, we can’t just look and price out properties based on the risks today. We need to look into the future so that we know where the puck is heading. People who think they don’t need insurance today may need it later on.”

Starting next year, Lincoln Avenue Communities will cull data to build out a scorecard for each of its projects, factoring in climate and other risks. “Then we can design mitigation upfront to address any concerns,” Amdur said. He emphasized the importance of “de-risking” real estate portfolios and showing insurers the mitigation steps taken—which may help lower insurance premiums.

Consumers also want data to gauge climate risks, with recent surveys indicating an increased concern among the public about how climate events impact housing. Still, that hasn’t changed where home buyers choose to live, said Nicole Bachaud, a senior economist at Zillow. Affordability challenges continue to drive buyers to high-risk areas, where home prices tend to be more moderate. But financial constraints may prevent buyers from retrofitting their property to mitigate climate risks.

“Data transparency is huge and giving people access to this type of information to know the risks,” Bachaud said. “But we also need to follow up with what you can do. Consumers need to understand that this will continue to harm housing markets and affordability. We really need to have a mindset shift. That will be a game-changer to see more resilient housing choices in the future.”

Preparing the Housing StockPanelists shared a range of ideas to solve the insurance conundrum, including mandatory flood insurance to shore up capital reserves and government backstops to increase the supply of insurance. They also spoke about greater funding and tax credits or other incentives to make communities more resilient to climate change.

While their ideas varied, panelists agreed that strengthening the nation’s housing stock against climate events can help drive down insurance costs over the long-term. Stronger building codes are correlated with lower mortgage delinquencies following a disaster, CoreLogic data shows.

“We need to start thinking about incentives or building codes that have a more adaptive response to climate risks so we have the right mitigation techniques in place,” Carroll said. “We need to consider the retrofits that can be made to ensure a home is more resilient to future events. We also need innovative financing that makes it easier and affordable for low- to moderate-income families to do resiliency retrofits to their homes.”

Amdur said that doesn’t necessarily mean shying away from high-risk areas; preserving the housing stock is still important. “It’s not impossible to build resiliency into areas with higher risk,” he said. His company still takes on projects in coastal areas: “We just need to know the risks upfront and then build it in.” That could mean new design standards, such as removing mechanical systems from the ground floor, installing flood barriers and following updated landscaping guidelines to decrease wildfire risks.

Bachaud said climate risk should be weighed more heavily in future developments. “We should be using climate as a lens of where we focus new communities,” she said. “Places that have less risk—climate havens—will become more popular as people are forced to flee places that have been damaged or where they can no longer afford to pay for the insurance on their homes. We need to be strategic in how we approach the future of housing supply and address ways to mitigate climate risks.”
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Burn Safety and Prevention Tips for Your Home

3/28/2024

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​Burn injuries in the United States lead to over 400,000 people needing care each year. Yet, with simple lifestyle changes and safety measures most home burns can be prevented. Below are a few tips to help you and your family avoid burn injuries.

Monitor the condition of electrical cords

Electrical fires are a common cause of injuries resulting from burns. Be sure that the quality of your cords is being maintained and always throw away electrical cords that are damaged or broken. Make sure to check for damage frequently and never overload your outlets, power strips, or electrical circuits. For increased safety, experts advise installing safety caps on electrical cords and storing them out of reach.

Use space heaters carefully

Make sure to have enough fixed space around your heaters. When you leave the room or turn in for the night, always switch off heating devices. Experts recommend keeping all flammable materials, like curtains, blankets or towels at least three feet away from your heaters.

Practice burn safety in your kitchen

Burn accidents happen frequently in the kitchen. While cooking, never leave your food unattended and keep the stove area clear of all flammable materials. Make sure to keep your cooking area clean - grease and debris can quickly cause a fire emergency. Never use an oven to heat your home and always turn off cooking appliances when you are finished using them.

Check your fire alarms frequently

The US Fire Administration recommends checking your smoke detector as often as once a month, changing batteries every 6 months and replacing the alarm itself every 10 years. If the batteries are not working, make sure to change them immediately.

Test the temperature of your water and hot liquids

Not all burns are caused by fire.Extremely hot liquids could seriously harm you and your family members. Make sure to set your water thermostat to a maximum of 120 degrees and always check the temperature of hot liquids you consume or touch.

Never leave candles unattended

​Candles can quickly become a fire and burn hazard. Always put them out before leaving your home or if they are in reach of your kids or pets, and make sure there are no flammable materials around.

What to do if you get a burn

Although by following fire and burn safety guidelines most home burns can be avoided, accidents do happen. Here are a few tips on what to do if you or your family member gets a burn:

Run the burn under cool or lukewarm water

To prevent the burn from spreading and gaining severity, run the affected spot under cool or lukewarm water for at least 20 minutes. Remove any wet clothing or jewelry from the site of the burn to avoid irritation.

Avoid using home remedies

Using home remedies, such as putting ice or using non-prescribed ointments on your wound can actually make the duration and intensity of the burn worse. Avoid self-treatment and stick to the guidance offered by medical professionals.

Call 911 or your medical provider

No matter the severity of the burn, it's always best if it can get checked out by a medical professional. Experts recommend calling your medical provider (or 911 in the case of potentially severe injuries) immediately after the accident so you can get the right treatment and avoid the burn from getting worse.

Call us (508) 540-2601 for more advise and best insurance covers to protect you and your family.

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What Does MPIUA 'Fair Plan' Home Insurance Cover?

3/25/2024

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What Does Home Insurance Cover?Typical home insurance coverage (level HO-3) protects the buildings on your property against certain types of damage and affords you personal liability coverage.

  • Damage. Your home and personal property are protected against fire, lightning, frozen pipes tornado, hail and windstorms. Also covered are losses caused by vandalism, theft, riot and any flooding caused by indoor plumbing or air/heat conditioning systems.
  • Dwellings. In addition to your house (referred to as the “dwelling”), any structures on your property, such as the garage, are covered.
  • Contents. All contents, personal belongings and electronics stored inside your home are covered. However, if your personal possessions include expensive jewelry or art, you might want to purchase additional floater coverage for those items if their replacement costs are higher than your coverage allows.
  • Liability. You are covered for bodily injury or property damage whether you are negligent or not. Other home insurance coverage characteristics include medical payments to others up to a specified amount. “Medical payments” is designed to cover small medical bills while protecting you and your insurance company from potential lawsuits.
  • Other structures. Other structures covered are fencing around your property and detached buildings such as a barn, shed or pool house. Depending on your coverage, other structures might not be covered at 100 percent replacement value.
  • Uninhabitable. Should your home become uninhabitable and you are forced to live somewhere else during repairs, this situation is called “loss of use” and is included in most home insurance coverage. Limits for this expense depend on your policy.

Enhanced Coverage for Massachusetts Homeowners Insurance

  • Convenience & peace of mind
  •  Select, Supreme, Supreme Plus and Complete
  •  Condominium Unit-Owners Enhancement and Edge Enhancement
  •  Insurance’s broad coverage enhancement endorsements for your Massachusetts Homeowners Insurance Policy provide flexible options to meet your unique needs.
  • Home Cyber Protection is a bundled coverage that protects individuals and families from losses such as compromised data on personal computers, mobile devices and other connected home technology, as well as damage to software and operating systems.
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mpiua Scientists propose a Category 6 for hurricanes as storms gain in intensity

2/6/2024

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​A pair of climate scientists are proposing a sixth category for hurricanes as climate change increasingly intensifies these storms, according to a new research study.

In a study,  published Monday in the Proceedings of the National Academy of Sciences, the two scientists argued the “open-ended” Saffir Simpson hurricane wind scale is becoming increasingly “inadequate” as the globe continues to warm.
The scale, developed in the early 1970s, may not reflect the true intensity of some storms, argued study co-authors Michael F. Wehner — a climate scientist at the Lawrence Berkeley National Lab — and James P. Kossin — a former NOAA climate and hurricane researcher.

​A Category 6 designation would apply to storms with winds that exceed 192 miles per hour under their proposal.

​Storms with winds of 157 mph or higher are currently ranked Category 5, an open-ended approach that fails to adequately warn people of the dangers of higher wind speeds, the study contended.
The study’s co-authors believe the open-ended nature of the current scale will prompt people to underestimate the risk of some hurricanes, which will become “increasingly problematic in a warming world.”

​“We find that a number of recent storms have already achieved this hypothetical category 6 intensity and based on multiple independent lines of evidence examining the highest simulated and potential peak wind speeds, more such storms are projected as the climate continues to warm,” the study stated.
Does the hurricane intensity scale need a new 'category 6'?Since 2013, five — all in the Pacific — reached wind speeds of 192 mph or higher, with warming conditions expected to bring even stronger weather, The

Associated Press reported.

“Climate change is making the worst storms worse,” Wehner told the news wire.
Some experts told The AP they do not believe another category is needed, and could give people the wrong impression as it’s based on wind speed, rather than water — the deadliest element of hurricanes.
University of Miami hurricane researcher Brian McNoldy reportedly noted climate change is not causing more storms, but rather intensifying storms and increasing the proportion that qualify as major hurricanes. This is driven by warmer oceans, McNoldy said.

Kossin told The AP pacific storms are stronger as there is less land to weaken them, in contrast to the Gulf of Mexico and Caribbean. While no Atlantic storm has reached the 192 mph threshold, Kossin and Wehner told the news wire the world warming will create a greater chance in the future.

Jamie Rhome, deputy director of the National Hurricane Center, noted to the news wire that his office attempts “to steer the focus toward the individual hazards, which include storm surge, wind, rainfall, tornadoes and rip currents, instead of the particular category of the storm, which only provides information about the hazard from wind.”

Rhome added a Category 5 already suggests “catastrophic damage” from wind so adding a higher category would not be necessary even in the case storms get stronger, the AP noted.
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When should you file an insurance claim with mpiua?

2/2/2024

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No one wants to be in the position of filing a car or home insurance claim, but it may be necessary from time to time.

Whether your home sustained damage or you were in an accident involving another vehicle, filing a claim starts the process of getting reimbursed. This may include repair costs, the value of lost or stolen property, or associated expenses (such as a rental car or hotel stay).

Keep reading to learn when you should or shouldn’t file a claim and how the process works.

When should you file a claim?

Generally, it can be a good idea to file a claim on your homeowners or car insurance if:
  • The damage is covered under your insurance policy.
  • Someone was injured.
  • The other driver is at fault, or the fault isn’t clear.
  • Your home or vehicle is a total loss.
  • Your car was damaged by something other than an accident, and you have comprehensive coverage.

When is it not necessarily worth it to make a claim?

There are times when you may not benefit from filing an insurance claim; for example, if the damage to your car or home isn’t covered by your policy. Additionally, if the damage is so minimal that it doesn’t meet your deductible or isn’t worth potentially higher premiums, you may not want to make a claim. Filing several claims in a short time frame could result in higher rates.

​How to File a Claim

If you do decide to file a claim, it’s important to do so as soon as possible. You should provide photos and relevant details and respond to requests for additional information.

​Call the police if you’ve been in a car accident or if your home has been burglarized. Obtain a copy of the police report to submit with your claim.

Stop using the damaged vehicle (or part of your home) until it can be inspected. You don’t want to cause further damage while your claim is active.

Reach out if you have questions about your insurance coverage.
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Does mpiua 'fair plan' home insurance cover plumbing?

10/6/2022

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What’s one of a homeowner’s greatest enemies? Water (where it shouldn’t be).

When water enters your home, it can quickly cause a lot of damage. So, it’s important to understand which types of plumbing issues and water damage are covered by your home insurance policy.

Learn about the types of MPIUA insurance for water damage as well as what is and isn’t covered:
 
Likely Covered

When it comes to coverage of water damage, the key indicators that an issue is likely covered are sudden and accidental.

Coverage of water damage would fall under dwelling coverage (the structure of your home) or personal property coverage (your belongings). A deductible and coverage limits may apply to personal property coverage — review your policy or contact us with questions.

Examples of water damage that are likely covered include:
  • A burst pipe or water heater ruptures.
  • Soaked drywall or ceiling.
  • Wet belongings such as a mattress, television or laptop, or furniture.
Something like mold cleanup may be covered.

Not Covered
 
On the other hand, water damage caused by issues that are not sudden or accidental, such as delayed maintenance and neglect, will not be covered. And homeowners insurance only covers the damage caused, not the source of it. You’ll have to replace or repair pipes and appliances yourself.
 
Examples of water damage that isn’t covered include:
  • Replacing or repairing the source of water damage, such as the pipe, water heater, etc.
  • Normal wear-and-tear.
  • Negligence or poor maintenance, such as not fixing a leaky toilet, dishwasher or fridge.
  • Flooding and sewer backup. (You’d need to purchase flood insurance separately or add water backup coverage to your existing homeowners insurance policy.)
Have questions about your homeowners insurance? Just reach out, and we’ll be happy to help.
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Grilling safety tips

4/22/2022

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​You may be the kind of person who fires up the grill all year long at tailgating parties, or maybe you wait for a warm summer day and a backyard full of friends before you put on your apron. Either way, grilling can be one of life’s simple pleasures.

Unfortunately, where there is fun there is also the potential for safety issues. For example, did you know that leaving the grill unattended, not cleaning grease or fat build up properly, or placing the grill too close to combustible siding can cause injuries, fires and property damage?

Charcoal or Gas?
Nearly 9,000 home fires a year involve grills, according to a National Fire Protection Association report. Of all the home fires involving grills, gas-fueled grills accounted for four out of five fires, while 16% involved charcoal or other solid-fueled grills.¹ Gas and charcoal grills each have ardent advocates, who praise the convenience of gas or the flavor of charcoal. Whichever your preferred grilling method, follow these important safety considerations.

Gas Grill Safety

A leak or break was the leading factor contributing to gas grill-related fires, according to the NFPA report.
  • Check the gas cylinder hose for leaks before using it for the first time each year.
  • Apply a light soap and water solution to the hose, which will quickly reveal escaping gas by releasing bubbles.
  • If you smell or otherwise suspect a gas leak, and there is no flame, turn off the gas tank and grill. If the leak stops, get a professional to service it before using it again. Call the fire department if the leak does not stop.
  • If you smell gas while cooking, get away from the grill immediately and call the fire department. Do not attempt to move the grill.
  • Never turn on the gas when the lid is closed. The gas may build up inside, and when ignited, the lid could blow off and cause injuries or burns.
  • After cooking, make sure you completely close the valve on your gas grill.
  • Always store gas grills – and propane tanks – outside and away from your house.

Charcoal Grill Safety

The leading cause of structure fires from use of charcoal grills was leaving or placing an object that could burn too close to the grill, according to the NFPA study.
  • Charcoal grills can continue to remain hot for many hours after the flames extinguish. Avoid placing any burnable objects near the grill or moving the grill while the coals are hot. Keep combustible items that may be blown by the wind away from the grill.
  • Check for rust damage in metal grills, which may make it possible for charcoal to fall through onto surfaces below and cause a fire.
  • Purchase the proper starter fluid. Store out of reach from children and away from heat sources.
  • Do not add charcoal starter fluid when coals or kindling have already been ignited. Never use any other flammable or combustible liquid to get the fire started.
  • If the fire is too low, rekindle with dry kindling and more charcoal if needed. Avoid adding liquid fuel because it can cause a flash fire.
  • Do not leave the grill unattended.

Here are some other important tips to help you keep danger away when you are enjoying food and fun.
Choose a safe location for your grill. Keep grills on a level surface more than ten feet away from the house, garage or other structures. Keep children and pets away, as well as overhanging branches. Grills should not be used on a balcony or under an overhang. Avoid placing grills too close to combustible deck rails.
Grill outside only. Never use a grill in a garage, vehicle, tent or other enclosed space, even if ventilated, due to risk of harmful carbon monoxide buildup.

Keep the grill going on a cold day. During cool weather days, avoid wearing a scarf or other loose clothing that may catch on fire. Consumer Reports recommends shielding the grill from wind, placing it about ten feet from combustible surfaces and materials, and keeping the lid closed to retain as much heat as possible. Allow extra time for pre-heating the grill in colder weather and check temperatures of meat and fish with a meat thermometer to ensure that food is safe to eat.

Teach kids to stay safe. Make a “kid-free zone” of at least three feet around the grill and areas where hot food is prepared or carried. Children under five are especially vulnerable to burns from contact with a hot grill surface. Grill contact accounted for 37% of burns seen at emergency rooms in 2014 involving children under five.

Remember post-grilling safety. Keep your grill clean by removing grease or fat buildup from the grills and in trays below the grill. If you grill with charcoal and need to dispose of the coals, soak them in water to extinguish them before disposing in a metal container. Otherwise, cover the grill tightly and close the vents, this should extinguish the coals and whatever is left will be ready for next time.
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5 Tips for Moving on a Budget

4/15/2022

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Moving to a new place is certainly exciting, but it can also be stressful — and expensive. Once you factor in things like movers, packing materials, truck rentals, gas and more, the costs can creep into the hundreds, maybe even thousands of dollars, for just a single move.

Are you planning a move soon? Don't want to break the bank in the process? Fortunately, a little forethought and creativity can help in that department.

Here are five ways to help reduce your costs and keep a tight rein on your moving budget:

1. Shop Around for a Moving Company
Moving companies typically charge hundreds of dollars for their services, plus extra for things like gas, mileage and larger items like pianos and furniture. If you're going to hire a professional mover, shop around first. Get quotes from at least three different moving companies, and double-check the line-item charges. Does the quote include the truck, all protective materials, gas, mileage and larger furniture items? Does it provide insurance coverage in case of damage to any items you’ll be moving? If not, learn what adding these will cost you if they become necessary.

You can also consider local “mom and pop” moving teams or using an online service that matches freelance labor with local demand to help with everyday tasks. These come at a cost, of course, but are typically more affordable than a large moving company that has less flexible pricing.

Another great way to reduce your cost is to schedule your move for the winter or fall, if that is an option for you, as that’s when demand for professional movers is typically low. Weekdays are also a good choice, as most people move on the weekends. A moving company may be willing to give you a better deal if you move during these low-demand times, as they may be less busy and looking to fill their schedule. It may be worth exploring these options.

Pro tip: Consider doing a little research by checking out organizations online that provide consumer reviews of businesses. Before booking your movers, look at their reviews to get a sense of a company’s track record with other customers and try to verify that the company is legitimate. Note that none of these websites is a guarantee of a perfect experience, but they may help you with your decision.

2. Consider a DIY Move
Depending on how much you have to move and how heavy or cumbersome the items are, you may want to consider forgoing professional movers altogether if it looks as if your belongings can be managed without hiring help. If you have dependable family and friends that are willing and able to help with the packing, loading and transport, you might consider offering pizza or a free meal as a token of your appreciation in exchange for their help.

If you have larger items, consider renting a small rental truck for a few hours. Get the smallest size possible and be sure to fill up the fuel tank before you return the vehicle. (It may cost you more if you leave the rental truck in need of gas that the moving company must take care of itself.

Pro tip: Plan so that you're not moving during rush hour. Heavy stop-and-go traffic can drive up your fuel costs as well as delay your move.

3. Only Move What You Need
It's important to pare down your belongings before a move. That means donating, selling or throwing away any items you no longer use, need or plan to use in the future.

For one, this reduces your load and, subsequently, your costs to move it. Additionally, if you’re motivated to sell some of your unwanted items, you can put those extra funds toward your moving costs — or use it toward the cost of furniture or decor for your new place.

Here are some options for downsizing your household before you move:
  • Donate to The Salvation Army, Goodwill or a local shelter.
  • Host a garage sale – perhaps collaborate on one with your neighbors!
  • Sell items on social media websites (be sure to check their requirements first).
  • Sell books and media to a used bookstore, or donate to your local library’s used book sale.

Offloading some belongings will also make unpacking easier (not to mention faster).
Pro tip: Measure your furniture and make sure it will fit in your new home, as well as through necessary access points. If it won't fit, sell it and consider using the funds for replacement furniture once you're in your new place.

4. Get Creative with Your Packing
Buying boxes, bubble wrap, tape and packing peanuts can get expensive. Instead of purchasing these items, take a more creative approach and use things you already have. Sheets, towels, blankets and cloth napkins all work great as packing materials, and they all need to be packed up anyway, so why not use them? You can also use your own duffel bags, luggage, purses and backpacks rather than cardboard boxes.

Once you run out of these items, try one of these resources for free or low-cost boxes:
  • Friends, family and neighbors.
  • Local grocery and liquor stores.
  • Big-box membership stores that sell bulk products.
  • Go online to research not-for-profit organizations or a marketplace that provides used cardboard boxes, to find affordable options that will work for your budget and at the same time may help a worthy cause.
  • Consider posting to your social media networks, or any neighborhood groups you might be a part of. There's a chance someone you know has recently moved and may be willing to give you their used boxes.

Pro tip: Start saving the plastic and paper bags from your shopping trips. These make good packing materials and can even be used to help protect fragile items.

5. Track and Deduct Your Expenses
If you're a member of the military (or someone in your household is) you may be able to deduct your moving expenses1 on your annual tax returns. To qualify, you'll need to be moving due to a permanent change of station.

If you're eligible, you'll be able to deduct the costs of moving, storage, travel, lodging and other expenses you incur due to the move.

Pro tip: Keep a detailed record of your moving costs if you qualify for this deduction. Save all your receipts and invoices and keep them somewhere safe until tax season rolls around.

Don't Forget
Are you moving to a new place? Don't forget to update your homeowners insurance policy​. Use your move as an opportunity to ensure all your belongings, valuables and new property are protected. Contact your insurance agent to learn more about home insurance coverage and how it can safeguard your new home and family.
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How smart thermostats can help protect your home

4/15/2022

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​Did you ever leave for work without turning down the heat on a blustery winter day? Or head out for a day trip in the middle of summer without dialing down the air conditioning for your dog? A smart thermostat can help you heat and cool your home more efficiently, monitor your energy consumption and let you control your home’s heating and AC systems from your smartphone, wherever you may be. These devices can help protect your home from damage caused by frozen pipes by alerting you if your home is getting dangerously cold. But there are also some important safety considerations.

How Smart Thermostats Work
Unlike traditional and programmable thermostats, many smart thermostats learn and adapt based on temperature, humidity and your family’s behavior, including when you and your family are likely to be home, awake and asleep. Your smartphone acts as a remote control for your heating, ventilation and air conditioning systems, allowing you to change the temperature from wherever you have a signal. Another benefit includes automated notifications if the temperature in your home rises or falls above or below a set threshold. For homeowners who travel frequently or who own a second home, these devices offer the ability to remotely monitor their property.

Key Considerations for Using Your Smart Thermostat
During cold temperatures, with a more traditional thermostat, you turn down the temperature when you leave your home and dial it back up when you return. With a smart thermostat app controlled by your phone, you are able, and might be more motivated, to turn down your system to a low temperature to conserve energy from wherever you may be. But be wary as turning the thermostat down too low could result in frozen pipes, Travelers Risk Control professionals warn. Be sure to keep the temperature at 55°F or higher to help keep the interior of the floor and wall cavities, where water piping can be located, above freezing temperatures.

As part of the Internet of Things, smart thermostats are also subject to hacking and privacy concerns. You may think there is less of a safety concern than with smart locks or other security-related smart devices, as there is less incentive for hackers to target these devices. However, smart thermostats can provide details about your daily comings and goings, which a thief could find insightful.

A prudent step would be for homeowners to make sure their devices are hard-wired to the Internet, rather than relying on a Wi-Fi connection. Choose a strong password and evaluate any specific safety concerns before you decide to buy a smart thermostat. As with any smart device, make sure it is compatible with your other devices or hub because not all devices communicate well with each other. The packaging for these smart devices may not offer detailed installation instructions, so you may want to consult a professional to help install them properly.
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How the Home Insurance Claim Process Works

3/3/2022

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Owning a home can mean dealing with the unexpected – from a tree falling on your roof to a pipe bursting in your bathroom. Because you likely can’t prevent all unwanted surprises, knowing what to expect if you have a homeowner’s claim can help give you some peace of mind.

While insurance carriers can handle claims in different ways, here are some basic steps in the process.
If Your Home Has Been Damaged:
  • Get the OK to reenter your home. If your home has extensive damage, do not go back inside until cleared to do so by emergency personnel or local government officials, even if the damage is confined to one room. 
  • Have your info ready. Typically, when you report your claim, you will be asked to provide your name, contact info, policy info, type and date of loss, and a description of the loss and of any injuries. If you have a home inventory, you may want to have it handy. Generally, your claim will be assigned a claim number and a claim professional, also called an adjuster, who will work with you to adjust your claim.
  • Take steps to mitigate further damage, such as buying tarps to cover holes in your roof. Be sure to save your receipts.

Beginning the Claim Process:
  • Report your claim. Contact your insurance company as soon as possible. The sooner you report it, the sooner your insurer may be able to help.
  • Inspecting the damage. The claim professional typically will call you to discuss what happened, what your insurance policy may or may not cover and make arrangements to inspect the damage in person. 
  • Document your losses. Using photos or videos can help you remember things that you may have lost. If you don’t have an inventory, look for photos of the damaged areas. You’ll want to make a list of everything damaged inside your home. 
  • Save your receipts. When making any necessary temporary repairs or living arrangements, protecting property from further damage or making temporary housing arrangements, be sure to save your receipts. Your insurer may ask you to provide them as part of the claim process. 

We are an insurance company that cares. We help you get the coverage that meets your needs to help protect the things that are important to you, so you don’t have to worry.

Relocating After a Loss:
  • Loss of use. If you are not able to stay in your home after a covered loss, your homeowners policy may reimburse you for additional living expenses, such as hotels, car rentals and other day-to-day normal expenses caused by having to temporarily relocate.
  • Temporary housing. If you need temporary living arrangements while your home is being restored after a covered loss, your carrier may refer you to a service provider or give you permission to stay at a hotel or rental property.
  • For more on loss of use coverage, click here. 

Resolving a Claim:
  • Timeframes vary. Every loss and insurer is different, so the length of time to resolve a claim varies. The claim professional’s inspection of the damage and details of the loss will help determine the time needed to settle a claim.  
  • Receiving payment. Once the claim professional determines that your policy covers the loss, you can generally expect to receive a check based on an estimate of the damage, either on the spot or soon afterward. 
  • If you are a customer, you can learn more about your property policy here.
Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.
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    ​Davidson Calfee is the Owner and President of Operations, overseeing overall portfolio management, agency relations and new business generation.  He has a natural ability to manage complex situations and achieve outstanding results for his clients.
     
    Calfee is constantly looking for ways to improve professionally and has worked diligently to revamp his team’s handling of the needs and expectations of his clients. 
     
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    This blog is intended to promote local events, businesses & non-profit organizations through out our network.  


    Our mission is to promote our clients and help them connect AND build longstanding relationships with members of the local community.

    The Arthur D. Calfee Insurance Agency, Inc., is a 2nd generation, family run insurance agency with offices located in Falmouth & North Falmouth, Cape Cod, MA.  Arthur began the business in 1980 out of his house, then soon grew to serving over 3,000 people in the area.  The agency can offer various competitive Car, Home, Business, Disability & Life Insurance policies.  Over the years, the agency has built strong relationships with various insurance companies to offer the most competitive policies in the region.  They work with such companies as Arbella, Safety, Encompass, UPC, Plymouth Rock, Travelers, Preferred Mutual, CNA, Lloyds of London, Scottsdale, Lexington, & MPIUA just to name a few. 

    Davidson Calfee, President of Calfee Insurance grew up in the insurance business by working part-time in the family business.  

    He obtained his bachelor of science degree and became the Alumni Class Director at the Conrad N. Hilton College of Hotel & Restaurant Management at the University of Houston, TX.  Davidson learned quickly about flood insurance after the  2001 Tropical Storm Allison in Houston when the entire city was under water.

    After college, Davidson completed his Marketing Management Training Program at the Isle of Capri Casino Resort & Hotel located along the Gulf Coast in Biloxi, Mississippi.  Then Davidson learned more about the insurance industry when Hurricane Katrina hit the Gulf Coast in September, 2005.

    Learning from his past experiences with natural catastrophes, Davidson grew a natural passion to help his home town Cape Cod residents understand insurance and it's complexities.

    Quickly settling on Cape Cod after the Katrina, Davidson became the Founding Chairman of the Falmouth Young Professionals, President ofBNI - Team Advantage, Treasurer of the Falmouth Education Committeeand the Director of Automation with the Cape Cod Insurance Agent's Association.  In the past, Davidson has held positions such as the Ambassador to the Conrad N. Hilton College, the Falmouth Chamber of Commerce and the Canal Region Chamber of Commerce.  

    In 2012, the Falmouth Chamber of Commerce voted him on to theirBoard of Directors.  The Falmouth Community Television Stationawarded Davidson with their prestigious "Volunteer of the Year" award during their Annual Dinner for many events & special productions including The Village Green, Live Election Coverage, Young Professional Television and special government meetings, to name a few. 

    Arthur D. Calfee, Davidson's father and founder of Calfee Insurance, has 50 years of experience in the insurance industry. 

    He worked in the Boston claims office of the Boston Old Colony Insurance Company from 1960 to 1966, when he moved to Falmouth. 

    After 14 years working for a local agency, Art opened his own agency in 1980. 

    In 1988 he purchased the Everitt W. Noyes Insurance Agency in North Falmouth. 
    In 1990 he purchased the Gordon W. Bryden Insurance Agency and merged it into the North Falmouth office. 

    Today the agency's Falmouth and North Falmouth offices serve the insurance needs of more than 500 businesses and more than 3,500 individuals throughout Massachusetts and beyond.

    In 1997 Art was named the town's "Outstanding Citizen of the Year" by the Falmouth Chamber of Commerce" for many years of dedicated service, leadership and achievements that have made Falmouth and Cape Cod a very special place to live," an honor recognized by citations from the State Senate and House of Representatives.  Arthur has also received similar community awards such as the Falmouth Heritage Award. 

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    Proudly doing business in the following Cape Cod, Massachusetts towns and villages: Barnstable, Bourne, Brewster, Buzzards Bay, Centerville,
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