Beware……. The Named Perils.

    The economy’s a little rocky and lot of people are looking for a bargain.  This is just a head’s up to be careful of what you bargain for.

The most common damage to a home is from an uncontrolled water intrusion. We are regularly called into property damage where a plumbing fixture broke, flooded the inside of a family’s home extensively causing a lot a damage to walls, ceilings, carpets, family personal property (e.g., television, computers, guns, clothes).  This is an unpleasant scenario for anyone, but it becomes a gut wrenching event when the owner calls their insurer and is told they don’t have any insurance coverage for water damage under their policy.

This is the result of someone buying what is typically called an HO1 (sometimes marketed by other names) policy that covers only 11 named perils (i.e., fire or lightning, windstorm or hail, explosion, riot or civil disturbance, aircraft, vehicles, smoke, vandalism, theft, broken glass and volcanic eruption).  This type of policy is forbidden in many states, but still is sold in the state of Idaho.

Whether from looking  for the cheapest policy available  or by not asking the right questions, our experience tells us that buying  an HO1 or equivalent on a home is a bad bet, unless somehow the odds  favor  an unexpected damage to a home resulting from a riot or an airplane crash.  We suggest property owners talk to their agent and make sure they understand what is covered under the various forms (HO1,2,3,4,5,6).

Obviously we are not  insurance agents and don’t play one on TV.  This posting is only opinion and but our opinion is that you should talk to a licensed professional about any insurance policy and whether it covers the kind of losses that typically occur, not  just price.

Friends of Teddy Adoption Drive 2012

We are off to a great start, and getting more daily!  We even have a brave sole that is willing to donate himself to the cause, can you spot him?

May 1st through the 28th we are collecting lightly loved stuffed animals to clean and donate to local organizations that have expressed a need!  After 30 years in the disaster restoration industry we know the value a stuffed animal can provide for child going through a crisis and how something so small can do something so big.  We will be collecting in all three offices in Jerome, Hailey and Boise and are more than happy to make a special trip to pick some up!  Feel free to call if you need more information at 2083859111.

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Sometimes it is hard to get in the mood for spring cleaning but here are a few good tips from How to Clean Anything.com! “We all love spring for its fresh and cozy weather. The chirping of birds, flourishing of flowers, refreshing fragrance fills our heart with peace and joy. But to enjoy that feeling, we have to spend some time on…” Click Here to get the full article.

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