Archives for January 2015

Is Your Business Prepared For The Next Big Storm?

Winter Home

Business Insurance for Storms

Even though the recent super storm “Juno” was much weaker than expected, it was a good reminder to make sure that your business is protected in case of any natural disaster. Knowing just what your current insurance policies cover, and if there are any additional policies that you can invest in for extra protection, can help to ensure that you stay safe in any weather conditions. Keep these insurance storm tips in mind to ensure that you are prepared.

Before the next storm hits, look over your existing policies to ensure that they are providing enough coverage. Your property damage policy will cover any damage that is done to your building. It will provide protection for the costs that are associated with repairing, rebuilding, or replacing any property that is damaged during a storm.

Another insurance policy that you should consider investing in is a business interruption insurance policy. Although it will add an extra expense onto your bills each month, it will provide coverage for any income that is lost if you are forced to shut down while your building is being repaired after a storm. Keeping up-to-date and correct financial records of your business will help to ensure that you get the money that you deserve while you are rebuilding.

Even if you have all the right insurance policies in place, it will not do you any good if you do not make a claim in a timely manner. Most insurance companies require that you notify them of any potential claims after a disaster or they have the option to deny the claim.

For all your business insurance coverage needs and to ensure that you and your company are protected in case of any disaster, contact the insurance professionals at Alliance Group in Fairport, New York.

 

Super Bowl Safety Tips

FootballSafety Tips for the Super Bowl Game

The big Super Bowl game is just a couple of weeks away, which means it is time to start preparing for your Super Bowl party. Along with making sure that you have the perfect delicious snacks for all of your friends, it is also important to ensure that you and your home stay safe during all the festivities.

In most cases, the liability portion of your homeowner’s insurance policy will provide coverage for any issue that arises during the party. It will provide coverage if someone is injured while celebrating a touchdown or if someone gets food poisoning from the food that sits out all game long. Make sure to talk with your insurance agent before your party kicks off to ensure that you have the right amount of coverage for any unfortunate situation. You may also want to consider investing in a personal umbrella insurance policy, which will provide extra liability coverage beyond what is provided by your homeowner’s insurance policy.

Along with having the right insurance policies, keep these Super Bowl safety tips in mind to ensure everyone stays safe during the festivities:

  • Provide plenty of food and non-alcoholic beverages for all of your guests to enjoy. The more food and non-alcoholic beverages that are available, the less likely your guests are to get too intoxicated.
  • Encourage all of your guests to hang out after the game ends to give them a chance to sober up. If anyone wants to leave right after the game, make sure that they have a sober designated driver.
  • If you think any of your food may be contaminated, throw it away to prevent food poisoning.

Contact Alliance Group in Fairport, New York for all of your homeowners and umbrella insurance coverage needs and to ensure that you have the right amount of protection for the big game.

4 Homeowners Insurance Basics You Should Know

Insurance - Home Icon on Multicolor Puzzle.Top 4 Home Insurance Basics

Homeowners insurance is meant to provide coverage for any unfortunate situation, which is why it is important to make sure that you invest in the right policy. Make sure to keep these 4 homeowners insurance basics in mind to ensure that you have the right amount of coverage for your specific needs.

  1. What is covered – for the most part, typical homeowners insurance policies will provide coverage for a variety of different perils, including fire, vandalism, theft, and certain storms. It will also provide liability coverage if someone is injured on your property.
  2. What is not covered – just as important as knowing what is covered, is knowing what is not covered. Typical homeowners insurance policies will not provide coverage for nuclear hazard, bad workmanship, power failure, and earth movements, such as earthquakes and landslides. There are separate insurance policies that are available that will provide coverage for most of what is not protected by a homeowners insurance policy.
  3. Make sure to shop around – not all homeowner’s insurance policies are the same. Shopping around will help to make sure that you invest in the right amount of coverage for your specific needs.
  4. Keeping your home well maintained – insurance companies try to pay the smallest amount to repair damage, which is why they encourage prevention and early detection. Keeping your home well maintained would help to ensure that you do not have to make an expensive claim to fix serious damage. Some claims may even be rejected if your insurance company finds out that the damage was caused by a lack of maintenance in your home.

For all of your homeowner’s insurance needs, contact the insurance professionals at Alliance Group in Fairport, New York. We will work with you to ensure that you have the right amount of coverage, all at the right price.

Many Dangers of Ice Dams

Snow on Driveway leading to homeProblems Associated With Ice Dams

As the cold weather continues this winter, it is important to make sure that your home is protected from damage that is caused by the freezing temperatures. Ice dams that form on your roof can cause serious damage to your home. Knowing how to prevent ice dams, along with making sure that your homeowners insurance will provide enough coverage will help to ensure that your home stays safe this season.

Ice dams form when heat from your attic melts the snow on your roof, causing water to flow down. When the water reaches the edge of your roof that is no longer warmed by the heat escaping from your attic, it freezes, creating a dam. As the process continues, water and snow is not able to reach the edge of the roof, which causes it to back up under the shingles and into the walls, causing serious damage.

Since your homeowners insurance policy is meant to provide coverage for damage that is done to your home, it will most likely provide coverage if your home is damaged by an ice dam. However, there are some exclusions that may be part of your homeowners insurance policy, which could lead to the damage not being covered. Talking with your insurance agent is the best way to know exactly what is covered to ensure that you have the right amount of protection for your specific needs.

Taking the proper precautions to prevent ice dams on your roof can help to make sure you never have to make a claim with your homeowners insurance. Make sure to keep your attic well insulated and sealed to keep any heat from escaping. The less heat that escapes through your attic, the less likely it is that an ice dam will form.

For all of your home insurance coverage needs, contact the insurance professionals at Alliance Group in Fairport, New York.