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What to Do When Filing a Homeowners Insurance Claim

Learn how to file your homeowners insurance claim correctly.

When you come home from vacation to discover that your home has been robbed, or find that a fire has destroyed your house, having homeowners insurance is a good thing. Despite the traumatic incident, your insurance helps to lessen the stress of such situations. However, it’s imperative to know where to start when it’s time to pick up the pieces. When it comes to your filing a home insurance claim, see what you need to know.

Contact the Necessary Parties.

After a disaster, it’s important to communicate with the appropriate parties. If the damage is a result of a crime, your first order of business should be to notify the police. Once you’ve filed a report with the police, your next order of business should be to notify your insurance agent. The sooner you inform your agent, the sooner you’ll be able to get your claim resolved.

Keep a List of All Your Damaged Property.

After a disaster, it’s vital to evaluate the damage. Take as many pictures as possible from a variety of angles to record the damage. Additionally, it’s a good idea to retrieve your home inventory. That way you’re better able to compare your damaged property to your list.

Save Your Receipts.

If your home is rendered temporarily uninhabitable, you may need to stay in a hotel and dine out. However, such expenses can get pricey. Fortunately, some policies will give you temporary living coverage. Keep all your receipts so that you can submit them with your claim.

When it comes to filing your home insurance claim, ensure that you have the coverage that you need. Invest in the right homeowners insurance policy. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Tips to Prevent Allergies in Your Home

Keep your home clean to reduce allergy symptoms.

Your home is a perfect place to kick back and relax after a long day. However, if you’re an allergy sufferer, your home may be causing your more grief than relaxation. Your home is riddled with dust, dander, mold, and dirt that triggers your uncomfortable allergy symptoms. End your sneezing, itchy eyes, and runny nose, and check out these tips to help keep your allergy symptoms to a minimum.

Clean House.

When it comes to minimizing your allergy symptoms, you need to clean often. That way you’ll be better able to stave off the dust in your home. However, when wiping down surfaces, make sure to use a damp cloth to pick up all the dust particles. Otherwise, you’ll just spread them around, which can then make your allergies worse.

Steam Clean.

Carpets harbor a multitude of allergens. Their fine knit fibers are the perfect place for dust and dirt to get trapped, which means permanent allergens in your home. However, a good steam cleaning is your best bet to keep your carpets allergen free. Use a steam cleaner at least once a year, and vacuum regularly.

Air Out the Bathroom.

It’s not just dust and dander that can aggravate your allergies, but mold can too. Your bathroom is a prime location for mold growth. Pay extra attention when cleaning your bathroom, and always make sure that it’s properly ventilated whenever you shower. That way you can reduce mold growth and keep your allergies in check.

Take Your Shoes Off.

Wearing your shoes inside your home can increase the spread of allergens. Rather, remove your shoes as soon as you come into the house. That way you’re better able to control the spread of allergens throughout your home.

Protect your health with these allergy prevention tips. Protect your home with the right homeowners insurance. For all your insurance needs, contact the professionals at The Schwab Agency, located in Colleyville, Texas.

Flash Flood Safety Colleyville TX

Stay safe from the dangers of flash floods.

From the polar vortex to record-breaking heat waves, weather patterns in the U.S. have been a little crazy over the past few years. With unpredictable weather patterns and an increased risk of flood, make sure you’re prepared for the unexpected. Be sure to know what to do in the event of a flash flood.

A flash flood generally occurs with heavy rainfall, when the ground is unable to absorb all the water, and especially near rivers along the floodplain. They’re likely the most common type of natural disaster and can be extremely dangerous.

  • In the event of a flood, make sure that you take necessary precautions and keep an emergency kit handy.
  • Know the difference between a Flood Watch and a Flood Warning. Both instances should keep you on your guard, but they have different meanings. A Flood Watch means it’s possible for a flood to come, whereas a Flood Warning means a flood is coming.
  • Stay vigilant. Be sure to keep and eye on the weather report. Look out for warnings from the National Weather Service.
  • Head to higher ground. In the event that you get caught in a storm, be sure to get as high up as possible.
  • Steer clear of any water. Running water is extremely powerful (It did carve the Grand Canyon after all!). If you come across running water, turn around. A few inches of water can sweep an adult off their feet and a couple feet of water can send a car downstream.
  • After a flood be wary of downed power lines.
  • Inspect your home after a flood. Evaluate any damages and be sure to check for any small critters like rats and snakes that may have taken shelter from the storm in your home.

Make sure you’re prepared for flash floods and get extra protection with flood insurance! For the best insurance, contact the professionals at The Schwab Agency. Located in Colleyville, Texas, we serve all your insurance needs.

Homeowners Insurance & Fire Coverage

Homeowners whose house has been damaged or destroyed will look to their homeowners insurance for relief. As fires can engulf belongings, valuable treasures, and a home structure within seconds, leaving nothing in its wake, a home  must hold that much-needed protection.

Basic homeowners insurance policies are able to reimburse or replace your destroyed belongings as well as repair and rebuild your burnt home infrastructure.

After suffering from a fire, keep these tips in mind as you interact with your insurance company:

  • Get an Advance: Ask your company for an advance against your eventual claim so that you are able to purchase necessities (toiletries, clothes, etc.) without having to wait for the claim.
  • Secure Your Property: Every policy requires you to take reasonable steps to minimize the harm to your property. After a fire, ensure that smoldering has been stopped, the home is boarded up to prevent vandalism, and that you regularly check up on your property while living somewhere else temporarily.
  • File Your Claim: Report your loss as soon as possible by calling your agent or sending an email. You will then be asked to submit a “proof of loss claim” where you itemize your losses and list the value.
  • Keep Track of Expenses: Your policy may entitle you reimbursement for living expenses while you’re out of your home. Keep ahold of restaurant receipts, extra purchases of gas, and hotel room bills.
  • Get the Right Repair Estimates: If you have an “actual cash value” policy, you’re entitled to the amount of money it will take to repair your home. If you have “replacement cost” coverage, you are entitled to the amount it would take to replace your home or contents up to the fixed limit. Hiring an experienced contractor makes a big difference in how your home is restored.
  • Close Your Claim: Allow your claim to be closed when you are certain that you happy with the turnout of covered losses. Put out the fire on your home once and for all.

For detailed information about all aspects of homeowners insurance, contact us at The Schwab Agency. We provide residents of Colleyville and the neighboring cities of Texas with the homeowners coverage that they need and deserve.

Winter will be here before you know it and the last things you want to worry about are your home and your car. That means you need to prepare them now so you don’t have to! Tips like these will take out some of the headaches and hassles of winter.

– For your home, clean fireplaces and chimneys, have your furnace cleaned and checked, make sure your yard is clear of summertime items and debris-free, clean your gutters and check your roof for damage. A few hours of your time and a little effort will reduce the effect winter can have around your home dramatically.

– For car owners, its time to have the oil changed, tires rotated and, if necessary, changed to winter tires, to have the transmission or transaxle fluid checked and to have the radiator flushed and refilled. While some of these things may not need to be done right now specifically, having the radiator flushed and filled with winter grade anti-freeze not only flushes out debris accumulated in the water system but ensures your car’s engine is ready for winter as well.

Now is also time to review your insurance policies. Working with a great company like The Schwab Agency in the Colleyville TX area once a year to review your auto insurance, your homeowners insurance including your need for flood insurance as well as policies like personal umbrella coverage means you’re prepared for the future that way as well. Look forward to a great winter by being prepared for it now!