Insurance protection during springtime.

12 months ago · by Erin Carlson · 0 comments

Insurance protection during springtime.

This was a very wet winter for us. But spring is here and the flower super blooms are amazing. It’s a season of new beginnings, where flowers bloom, trees grow new leaves and the weather gets warmer. While this may be a time to celebrate and enjoy the beauty of nature, it’s important to remember that springtime can also bring potential risks and hazards that could result in property damage or personal injury. As such, it is essential to have insurance protection in place to mitigate any potential losses.

Home insurance is one of the most important types of protection to consider during springtime. Heavy rainfall and strong winds are common during the spring season, and these can cause significant damage to your home. For instance, heavy rainfall could cause flooding or water damage to your home’s foundation, walls, or electrical systems. This could be costly to repair and could result in significant loss if not covered by insurance. Therefore, it is advisable to ensure that you have adequate insurance coverage for such eventualities.

Additionally, springtime can be a prime time for home improvement and renovation projects. From repairing leaky roofs to repainting walls, homeowners are often eager to spruce up their homes after a long winter. However, any construction or renovation work can potentially cause property damage, and it’s essential to have the right insurance coverage in place to protect against these risks. If you are planning on carrying out any renovations or remodeling work during springtime, it’s important to inform your insurance provider beforehand to ensure that you have adequate coverage for any potential damages.

Springtime is also a season of increased outdoor activities, such as gardening, barbecues, and sports. While these activities can be fun and exciting, they can also lead to personal injury or property damage. For instance, a gardening tool could accidentally cause injury to a neighbor, or a sports ball could break a window. In such cases, having liability insurance coverage can protect you from any legal or financial liability that may arise.

Similarly, springtime is also a time when many people start planning their vacations and road trips. Before embarking on any travel, it’s important to review your insurance policies and ensure that you have adequate coverage. This may include travel insurance, which can protect against any trip cancellations, medical emergencies, or lost luggage.

Springtime is a season of change and new beginnings, but it can also bring potential risks and hazards that could result in property damage or personal injury. As such, it’s important to have insurance protection in place to mitigate any potential losses. Home insurance, liability insurance, and travel insurance are just a few types of protection that should be considered during this time of year. By taking the necessary precautions and having the right insurance coverage in place, you can enjoy the beauty of springtime with peace of mind. Get in touch with us, your Scurich team is happy to help answer any questions.

1 year ago · by Erin Carlson · 0 comments

Home Invasion : What is Lock Bumping?

Home invasions and vandalism is on the rise. As many as one in five homes are invaded annually in the United States. One tool thieves use is lock bumping. They use a bump or rapping key to unlock pin tumbler locks and gain access to your home. Learn about lock bumping as you take steps to secure your home and peace of mind.

How Lock Bumping Works

Typically, you can only open a door with a key that’s specific to that lock. The key’s design aligns with the lock, pushes the pins into place above the shear line and unlocks the door. A bump key is designed to also unlock a door except the thief inserts it into the keyhole and taps the key with a screwdriver or hammer. The bumping pushes the pins in the lock above the shear line and pops the lock.

Thieves can easily learn how to make a bump key thanks to numerous online how-to videos and instructions. With a collection of 10 different bump keys, they can open 90 percent of the doors in the U.S., and the entire process takes a few seconds. Tips That Protect Your Home From Lock Bumping

Protect your home and prevent lock bumping with several steps.

Buy a different pin tumbler lock. Certain locks are harder to bump. When shopping for new locks, look for ones that are:
- Made with security pins
- Not made from hardened steel
- Designed with programmable side bars and not top pins
- Equipped with a trap pin
- Shallow drilled where one of the interior pins is slightly shallower than the others
Change the spring tension. Stronger top springs in the lock make bumping harder, so ask a locksmith to make at least two of the top springs firmer.
Replace the traditional pin tumbler lock. Instead, invest in a disk tumbler, time, combination, electronic or electromagnetic lock. They don’t contain pins and are less vulnerable to bumping.
Reinforce existing locks. If you don’t want to replace all the locks in your home, replace the door’s metal strike plates. It mounts on the doorjamb and costs about $10.
Lock your door always. Whether you’re hanging out at home, working in the yard or garage, going to work or taking an extended vacation, lock your doors. Don’t make it easy for a thief to enter your home!

Purchase adequate insurance. Homeowners and renters insurance won’t prevent lock bumping, but it can give you peace of mind. With the right insurance, you can replace any of your possessions that are lost, stolen or vandalized.

Your home’s security and peace of mind are vital. Understand and prevent lock bumping as you protect your home and family.