CompleteMarkets
Scurich Insurance Services has been serving the Monterey Bay Area since 1924. Our mission is to partner with our customers and provide them superior service and value. We are a member of United Valley Insurance Services, Inc., a cluster of over 70 California Independent Insurance agencies, which produced over $530,000,000 of annual premium last year. At Scurich Insurance Services we understand your business and our community. Our customers look to us for comprehensive solutions. We have established relationships with more than 40 of the nation’s leading insurance providers, which allows us to deliver multiple, competitively-priced options and a team of experts to guide you through the process. When you need to file a claim, change a policy or process a certificate you can depend on Scurich Insurance Services to respond quickly to your request. SERVICES In order to provide value added benefits to our customers that go beyond the insurance policy Scurich Insurance Services offers the following additional services: Safety Programs – English and Spanish OSHA Compliance Safety Policies – English and Spanish Online OSHA 300 Log Safety Posters and Payroll Stuffers - English and Spanish Certificates of Insurance – If received before 3:30pm done the same day Risk Management Consulting Brokerage Services Represent most major insurance companies to better market your account. Safety tapes/DVD’s BUSINESS LINES Commercial Commercial Packages Business Auto Workers Compensation Umbrella Bonds Directors & Officers Professional Liability Employment Practices Liability Personal Auto Home Umbrella Recreational Vehicles Boatss Life & Health Individual Medical Individual Life Group Medical Group Benefits
Drip, Drip, Drip: Dealing With Water Damage
3

Of all Homeowners insurance losses, those from water damage are among the most common. Many people often don't consider the potential risks in their own homes until it's too late.

To minimize hazards that can cause water damage claims, we'd like to recommend these steps:

  • Check for leaks. Periodically inspect the area around the refrigerator, washer, dishwasher, water heater, sinks, and toilets for drips, puddles, and discolored, warped, or soft flooring.
  • Pay attention to your water bill. Monthly fluctuations could indicate a leak.
  • Periodically check your water pressure. Water losses often occur due to excessive water pressure. Buy a pressure gauge at your local hardware store, and hook it up to a hose bib. If it's above 65 psi, install a water pressure regulator.
  • Before you go on vacation, take precautions. If temperatures in your area could dip below freezing, make sure that any exposed pipes are insulated, turn off the water supply to individual fixtures, and turn your furnace to low so that the pipes will stay warm enough to avoid bursting.

If you need to file a claim, follow these guidelines:

  • Stop the source of the water by turning off the water main.
  • Call your insurance company immediately. Most companies have staff 24/7 to help you set appointments with contractors who can dry out your house. Your insurer will also send an adjuster to assess the damage.
  • Don't start any major repair efforts until the adjuster has been to your home!
  • Determine what was lost and document it. Even if things were ruined, don't throw them away. Keep pieces of the damaged floor or ceiling, along with any valuable personal property, such as electronics or furniture. At a minimum, take photos or video of the damage.

For more information, give us a call at any time.