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10 years ago · by · 0 comments

Good news: Homeowners insurance covers a “sharknado”

Scurich Insurance Services, CA, Homeowners InsuranceA sharknado is not a specifically named peril on a standard homeowners insurance policy. But would your insurer pay up anyway if, as in the instant cult classic Syfy TV movie, a giant tornado blew in from the ocean and dumped thousands of man-eating sharks on your neighborhood?

Or, to put it a bit more bluntly, if–in spite of being blown out of its habitat and short of breath–a great white aimed its massive jaws at your left bicep and tore it off, would you get reimbursed?

We asked folks at the Insurance Information Institute, an industry group, for their take on the issue. The considered opinion of several experts, including their chief economist, was yes–for the most part.

“A tornado is a wind event,” says Mike Barry, vice president of media relations. Wind events, including hurricanes, tornadoes, cyclones and other such calamities, are covered under a standard policy. But a falling shark?

“It would be covered, yes, as a falling object,” Barry confirms. In case you were wondering, damage from an errant asteroid would be covered by your homeowners insurance under the same principle.

And if your car insurance included comprehensive coverage, your car or truck would be protected against damage from a sharknado. (Barry notes that comprehensive coverage protects in the event of “contact with animals, such as birds or deer;” but why quibble over details like fur or feathers?)

As for the arm that got munched by that ferocious flying fish, you’d have to file a claim under your health insurance policy. If, however, you owned the shark and it bit someone else, you would be covered by liability insurance through your homeowners policy. From an insurance perspective, it’s not so different from a bite by a really big, finned dog.

What to do afterward
Of course, in the aftermath of a sharknado, there would be so much more to consider. You wouldn’t want all that shark meat go to waste, so you’d need to check out Consumer Reports Ratings of chainsaws and kitchen knives, not to mention freezers. And what better way to celebrate your survival than with a magnificent slab of marinated mako cooked on one of our top-rated grills, accompanied by a cold glass of a best-in-class craft beer?

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10 years ago · by · 0 comments

Clean up tips for vandalism

Scurich Insurance Services, CA, VandalismDamage can come in all forms including vandalism.  If you don’t act immediately, you can be faced with additional expenses to fix that damage.  We have compiled a list of tips you can enact when facing such damage.

  • Call a professional.  These guys know how to remove the graffiti and vandalism that the vandals have caused.
  • Typical household cleaning products will not take care of the damage on upholstered furniture, fabrics, and carpets.  The professional will be able to take care of that.
  • Go through all of your damage and make a detailed list of everything.
  • Leave the chemicals and paints to the professionals.
  • If you have shards of glass over your furniture and on the floor, use a shop vacuum to clean that up.
  • Don’t touch your electrical equipment.
  • If your house has been egged, use water in cleaning it off.
  • Any debris on the furniture or interior walls needs to be removed.  Do not rub the debris off, only scrape or blot the debris off.

If you have found yourself the victim of vandalism, call the police immediately and then the professionals, so your damage won’t stay permanent.

Content provided by Transformer Marketing.

Sources:  Servicemaster

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10 years ago · by · 0 comments

Clean up tips for Fire/Smoke Damage

Scurich Insurance Services, CA, Fire Clean UpDamage can come in all forms including fire and smoke damage, and water damage.  If you don’t act immediately, you can be faced with additional expenses to fix that damage.  We have compiled a list of tips you can enact when facing such damage.   Today we are going to focus fire and smoke damage.

  • Call a professional.  Some by-products can cause etching which is irreversible fairly quickly.
  • Do not touch anything that has been damaged with your bare hands.  Your hands carry oil which can cause additional damage.
  • Open up the house and air out any smoke damage, if the outside temperature is warm.
  • Do not wash any of the walls that have smoke/fire damage.  The wrong cleaning component can cause more damage.
  • Clean off your Formica, chrome, porcelain or aluminum fixtures to prevent permanent tarnishing.
  • Call a professional to clean up any upholstered furniture and carpets.  Don’t clean them yourself.
  • Keep away from anything and everything electronic until they have been checked out by and cleared by a professional.
  • Replace your air filter on your furnace if you use forced air.
  • If your ceiling is wet, do not use any of the fixtures.
  • Throw away all food packages that have been opened.
  • Any clothing that has been tarnished, send to a professional for cleaning.
  • Clean out the refrigerator and keep the doors open, if the electricity is off.

For more information, please feel to contact our office.

Content provided by Transformer Marketing.

Sources:  Servicemaster

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Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

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(831) 661-5697

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