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Tips to Stay Safe During a Hurricane

Hurricane season has just started, so now is a good time to point out what you should do if one is headed your way.  Here are the Top 15 things to consider before a storm hits.

  • Restock your emergency preparedness kit. Include food and water sufficient for at least three days, medications, a flashlight, batteries, cash, and first aid supplies.
  • Plan how to communicate with family members if you lose power. For example, you can call, text, email or use social media. Remember that during disasters, sending text messages is usually reliable and faster than making phone calls because phone lines are often overloaded.
  • Review your evacuation zone, evacuation route and shelter locations. Plan with your family. You may have to leave quickly so plan ahead.
  • Review insurance policies and catalog belongings.
  • Collect and safeguard critical financial, medical, educational, and legal documents and records. Make copies and safeguard, if you have time.
  • Back up electronic data. This is best if done offsite or through cloud storage.
  • Pack a “go bag” to bring with you if you have to leave quickly.
  • Keep your car in good working condition and keep the gas tank full; stock your vehicle with emergency supplies and a change of clothes.
  • Bookmark your city or county website for quick access to storm updates and emergency instructions.
  • Bring loose, lightweight objects inside that could become projectiles in high winds (e.g., patio furniture, garbage cans); anchor objects that would be unsafe to bring inside (e.g., propane tanks); and trim or remove trees close enough to fall on the building.
  • Consider covering all of your home’s windows. Permanent storm shutters offer the best protection for windows. A second option is to board up windows with 5/8” exterior grade or marine plywood, cut to fit and ready to install.
  • Charge your cell phone now so you will have a full battery in case you lose power.
  • If you’re not in an area that is recommended for evacuation, plan to stay at home or where you are and let friends and family know where you are.
  • Turn your refrigerator or freezer to the coldest setting and open only when necessary. If you lose power, food will last longer.
  • Keep a thermometer in the refrigerator to be able to check the food temperature when the power is restored.

If a storm does cause any damage to your property, please reach out to us.  We are always here to help.

 

Flooded Basement

This winter’s cold temperatures has kept the bulk of our snow fall hanging around. Warmer weather this week combined with rain will cause a rapid thaw which will bring water into many finished basements. Do you have the proper coverage for your basement level? Many insurers make you buy additional coverage for the basement in what is called a sump pump rider.

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In the event of a power outage or sump pump overflow your the structual and property damage in your basement will be covered. Check with your insurance agent to see is your basement is covered for water damage.

Damage From Frozen Pipes is a Homeowners Insurance Covered Loss

FROZEN_PIPEThis weekend is set to be the coldest in the past few years with temperatures dropping to the single digits overnight. While we know to bundle ourselves up to keep warm many people forget to check to make sure their pipes stay warm as well.

Ice forming in a pipe does not typically cause a break where the ice blockage occurs. After a complete ice blockage in a pipe, continued freezing and expansion inside the pipe causes water pressure to increase downstream — between the ice blockage and a closed faucet at the end. Usually the pipe bursts where little or no ice has formed.

Here are some tips to help avoid this common cause of winter property damage:

How to Prevent Frozen Pipes
• Pipes that have frozen in the past or near exterior walls are obvious candidates for special attention.
• Insulate areas where vulnerable pipes are located.
• When insulation isn’t enough, consider pipe wrappings embedded with electrical coils (heat tape) that provide an outside source of heat.
• Remove hoses from outside yard faucets. The faucets can’t drain properly with a hose attached and will freeze and break if the hose is left attached.
• During severe cold weather, resist the urge to lower your thermostat to save money while you are gone for the day.
• Open the doors to kitchen and bathroom cabinets under your sinks so heat from the room will help warm the pipes.
• Running water does not freeze very readily. During severe cold weather, keep a stream of water trickling out of faucets or spouts attached to vulnerable pipes.
• If you have a sprinkler system, drain all outdoor pipes and turn off the water supply to the system

What To Do If A Pipe Freezes
• To prevent a frozen pipe from bursting, open the faucet it supplies with water. Then add heat to the area where the pipe is located.
• Turn off the water supply to that line.
• If a pipe does burst, immediately turn off the water to your home.
• Know where your main water emergency shut-off valve is located.

If the worst should happen Property Adjustment Corporation can help you pay for damages to your home from water damage. We Make Things Right! 877-355-FIRE

 

 

Oil Heater Puff Backs Ruin Your Home

Rocco 001What is a puff back?

Puff back is a malfunction in the heating system which causes soot and debris to blow through the exhaust system, often leaving a dark residue all over surrounding items and surfaces.  A common cause is an oil burner that doesn’t ignite immediately. Vapors build up before ignition, resulting in an explosion similar to the backfiring of a car.

Other causes include a clogged nozzle, weak transformers or a bad oil pump.  Recently, we have even seen puff back from gas fireplaces with clogged nozzles.

Having your heating system inspected by a licensed professional at least once a year can prevent puff backs as well as changing the oil filter once for the summer and once for the winter.

Damage to your home from a puff back can affect every room with a heater vent and even leave soot in your attic. Soot is not just a powder like substance it is a petroleum by-product that is black and sticky. This dirty residue needs to be cleaned from every inch of your home as soon as possible. In addition to the sticky soot puff back causes there is also an odor that is difficult to remove.

It will require a good restoration cleaning company for your home to be cleaned properly. Luckily puff back damage repair and cleaning may be covered by your homeowners insurance policy. Property Adjustment will help you get all the help you need to put your home back to normal.

Property Adjustment Corporation will help prepare an estimate of the numerous items in your home and determine what can get cleaned and what needs to be replaced. This can be quite an overwhelming task if the puff back makes your home unlivable and you need to find temporary housing.

If you make Property Adjustment Corporation your first call when you or someone you know experiences a puff back in their home. We can make things right and put your life back to the normal. (877) 355-FIRE

President’s Message

Message from Kevin Kaufmann, Public Adjuster and President of Property Adjustment Corporation

Kevin-Cropped

By contacting Property Adjustment Corporation you have taken the first and most important step toward achieving the best possible settlement for your loss. Our professional staff is respected by insurance carriers throughout the tri-state area for their specialized knowledge, honesty, and integrity.

Clients put their trust in Property Adjustment

Corporation because they know we take the pain and aggravation out of the loss settlement process by handling all aspects of the claim. Not only do we report the claim to your insurance company, estimate the damages, and negotiate the highest possible settlement to which you are entitled, we also know what to ask for and how to properly navigate and present a property claim to optimize a settlement. We explain your rights and coverage to you and keep your insurance company accountable, every step of the way. And, if you have any questions or concerns throughout your claim process, your adjuster

is only a cell phone call away.

Thank you for choosing the experts at Property Adjustment Corporation, where we make things right!

Sincerely,

Kevin Kaufmann, President