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... x No Thanks Loading.. Dwelling Replacement Cost Form 4/30/2013 by CompleteMarkets Editor This content has not been rated yet. DWELLING REPLACEMENT COST FORM &# 160 NAME: LOCATION ADDRESS: DATE: Table A Enter 1 for each unit (ie. three bedrooms=3 ) listed below: Living Room Unfinished Attic Bedrooms Unfinished Basement (see note below) Bathrooms (3 or more fixtures) Stone exterior Walls Kitchen Clay Tile or Slate Roof Dining Room Two-Car Attached or Built-in Garage Family or Recreation Room Three-Car Carport Den, Study, Office, or Misc. Rooms Den, Study, Office, or Misc. Rooms (Over 300 Sq. Ft.) Table B Enter 1 for each unit listed below: Dinette or Breakfast Nook Enclosed Porch Half Baths (2 or less fixtures) One-Car Attached or Built-in Garage Laundry Room with adjacent Half Bath One- or Two-Car Carport Brick Exterior Walls Large Rooms (200 to 300 Sq. Ft.) Central Air Conditioning Table C Enter 1 for each unit listed below: Foyer or Entrance Hall Large Deck (over 300 Sq. Ft.) Walk-in Closet or Dressing Room Concrete Tile Roof Work, Storage, or Laundry Room Fireplace Breezeway or Open Porch Additional Cars per Garage (over two) Note: For Finished & Partially Finished Basements: 1. Finished basements: count only the finished rooms. 2. Partially finished basements: if the total unit count of the finished area in the basement exceeds Additional Information: Year House Built Square Footage: Year of last updating on: Roof Wiring Plumbing Heating Heat Type: Woodstove ...

... industry's relationship with its customers. Read them and weep, if you're guilty. INSURED This one should be banished from the insurance dictionary. Use it and get your mouth washed with Borax. The insured'? For heaven's sake, it's the customer! Policyholder' is not quite as bad. Or maybe client. But not insured. CARRIER always cracks me up when I hear this. Okay, Mrs. Throttlebottom, I'll try to call a few carriers and see if they'll accept you as an insured. Sounds like the insurance company's located on a military battleship. How about just insurance company. It's that simple. EXPOSURE Oh, boy. This gets used a lot with the news media, and then we complain about our coverage. The exposure, of course, is simply the riskiness. A wood-shingle roof has a greater risk of burning than an asphalt roof. LINE Another word that is simply unnecessary. I prefer to talk about different types' of insurance. Line' makes sense to me if you're taking about retail products like shampoo and children's toys. But in this era of packaged, multiple-peril policies, the word just doesn't add to anyone's understanding about the product. SURPLUS Yes, you're laughing. My insurance executive students giggle when I display this word on poster-size type. It even looks as bad as it sounds. But every insurance pro in the room knows that he or she will fall back on this when someone asks them to explain how insurance companies managed to handle that last hurricane. Well, they have the surplus to fall back on. Surplus? I thought you said the ...

...ired the subcontractor to perform roofing work with payment to be based on the...

...ired the subcontractor to perform roofing work with payment to be based on the...

... some inconvenience such as minor damage to your property or short power outages. You might also experience some difficulty in leaving your home as there would be a moderate buildup of snow around your property. Winter Storm Warning Receiving this warning means that there is a severe and possibly life-threatening snowstorm headed your way within the next 24 hours. You should do all that is necessary to prepare for long periods without power, outside communication, or even running water. You should also stock supplies such as non-perishable food and water. What to Do BEFORE a Snowstorm Hits If you receive a winter storm advisory or warning, you should immediately begin preparing your home, property, and family for the incoming bad weather. Inspect your home's structure to ensure that it will hold up to the incoming snow, especially your roof and gutters. Secure all the entrances of your home, particularly your doors and windows, as drafts can dramatically decrease the temperature inside your home. Prepare a winter emergency kit that includes a strong, battery-powered radio, medical supplies, emergency blankets, and a shovel. You should also learn first-aid techniques against frostbite and hypothermia. If the weather agencies predict a long blizzard, you should also check if your generator is in good running condition and if it has enough fuel. What to Do DURING the Snowstorm When the snowstorm hits, you should always keep an eye on the temperature inside your home. If you still have power, increase the thermostat to the highest setting possible so that you and your family are kept warm. Turn on all your faucets to a slow drip to prevent ...

... x No Thanks Loading.. Five Ways To Improve Business Survival After A Windstorm 4/30/2013 by CompleteMarkets Editor , Douglas Henderson This content has not been rated yet. FIVE WAYS TO IMPROVE BUSINESS SURVIVAL AFTER A WINDSTORM by Doug Henderson For many businesses, windstorms present A worst-case disaster scenario. In addition to disabling or destroying business assets, as a community-wide disaster, a windstorm can disable employee homes, disrupt transportation, power and communication infrastructure. To mitigate damage and downtime to your business, I'd recommend these guidelines: 1. Protect the business building. In addition to facility location, consider the controls to put in place. Look for buildings with storm shutters or "storm-proof "glass. Consider the condition of the roof and the ability of roof equipment to withstand high winds. Beware of such structural weaknesses as large overhangs, large flat outer walls/gables or wood frame construction. 2. Protect your business assets. Be prepared to cover or encase and secure building contents with sheets of plastic or large plastic garbage pail bags. Make sure that you have emergency supplies in place. Move your business assets off the lower floors – and bear in mind note that wind-driven rain can create some "flooding" on upper level floors) . Consider moving these assets to a higher level or even to another building at a higher elevation. 3. Prepare for a loss of communications and power. Because a windstorm will disable or destroy most communications infrastructure, be sure to have some communication alternatives in place for employees, customers, clients ...

... Every Monday, 5:30 p.m. - 8:30 p.m. &# 160 1. Phone Prospecting using &# 160 a. Tot Finder Referrals &# 160 b. Utility Direct Mail leads &# 160 c. New home/Resale home leads &# 160 A WEEKLY PROSPECTING PLAN &# 160 Here's an hour-by-hour weekly prospecting plan that has proven highly effective for thousands of SAFECO agents. If need be, modify this system according to your own circumstances, but no matter what variations you install, stick to the plan you design. &# 160 A WEEKLY PROSPECTING PLAN (Hour-By-Hour) &# 160 WEEK #1 &# 160 MONDAY &# 160 8:00- 10:00 A.M. Select 10 direct-mail prospects (on some property and casualty need, including Complete Roof' service approach) and prepare letters for mailing today. &# 160 Select 5 direct-mail prospects whose upcoming birth dates you have (on some life or health need) and prepare letters for mailing today. &# 160 Attend to agency details. &# 160 10:00- 10:30 A.M. TRAVEL to next activity &# 160 10:30- 11:45 A.M. Cold calls (door-to-door) with appropriate hand-out material (Auto, Homeowners, Apartment Dwellers, Safety Plus, etc.), and/or paperhanging in some parking lot. If contact is made and coverage already is owned, obtain X-date and promise to return before the time to renew the policy. If no coverage, arrange an appointment to return. If not at home, leave hand-out material ( ...

... , or rationed. 4. Board up storefronts, doors, windows, and other vulnerable places that can be damaged. 5. Pack durable clothing. (The following is one of the most important loss prevention steps anyone can take.) 6. Secure or bring inside all tools, lawn furniture, etc. that can: (a ) become projectiles in a windstorm; and/or (b ) be destroyed by the storm. What to Do After a Catastrophe l. Get in contact with your agent as quickly as possible. Let him or her know about your losses. If you are relocated temporarily, let your agent know your temporary address. 2. Make only those repairs necessary to prevent further damage to your home or business. This must include covering breaks in a roof, wall, or windows with plywood, canvas, or other waterproof material. Do not have permanent repairs made without first consulting your agent. Unauthorized repairs may not be reimbursed. 3. Wait for an insurance adjuster to arrive to appraise your damage. Following a catastrophe, insurance companies schedule adjusters so that the most serious losses get priority treatment. Those policyholders are the most in need. 4. Keep all receipts for expenditures you've made to repair damage or to estimate the extent of your damage. 5. Prepare a detailed inventory of all damaged or destroyed personal property for the adjuster. Be sure to keep a copy. Your list should be as complete as you can make it and should include: a description of the item (and number, if more than one); ...

... x No Thanks Loading.. What You Need To Know About Handyman Insurance 10/26/2018 by Erin Carlson This content has not been rated yet. In your handyman business, you may fix a deck one day and repair a roof the next. While fulfilling, your career also includes numerous risks. Be sure you purchase the right insurance coverage to protect your business. The Types of Handyman Insurance you Need General Liability - If you damage a customer's home or property or cause an accident on the job site, general liability coverage will cover your financial responsibility and legal obligations. Commercial Property - Also known as Contractor's Equipment insurance, this policy covers property that's lost, damaged, vandalised, or affected by certain weather events. Commercial Auto - This policy covers accidents, thefts or vandalism that occur to your company vehicle and trailer and any contents. Workers' Compensation - Cover medical costs, lost wages and other expenses for employees who suffer an injury or illness because of their work. Completed Products - Rely on your completed products insurance to cover your liability if a client is not satisfied or disputes the work you do. Inland Marine - You pay good money for your tools and equipment. File a claim through your inland marine coverage if they're lost, stolen or damaged. Umbrella - After you exhaust your other policies, use your umbrella policy to cover any remaining liability up to the policy's limit. Handyman Insurance Cost The price you pay for handyman insurance depends on several factors. Type of work you do - Certain jobs include larger liabilities. For instance, your risk increases ...

... Liability Scheduled Items Limits: Jewelry Furs Fine Arts (Breakage) Silver Coins Stamps Guns Boats Computers ___ Photo Equipment COMMENTS Are your autos insured with the same company? ____ Expiration Date: ____ RECOMMENDED Dwelling ____ Company ____ ­ LIMITS Liability ____ Deductible ____ Premium ____ Guaranteed Replacement Home __ Contents All Risk' Contents Sewer Backup __ Other REPLACEMENT Number of families Year Built ____ Sq. Ft ____ COMPUTATION Brick Frame Garage Cars Brick Frame Attached Balcony Porch Deck Sq. Ft. # of Fireplaces __ # of Chimneys Inside Outside # of Baths Full 1/2 Basement? Finished? Central Air? __ Wiring:- Year Update: ____ Heating Construction Type I, II, III, IV Plumbing:- Year Update: ____ Roof:- Year Update: ____ Built-ins: Stove Refrigerator Dishwasher Washer Dryer Sauna Hot Tub Replacement value ____ Market Value ____ Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & Prospects will research you, your co-workers and your agency here. The most comprehensive online insurance industry reference library for - Personal Lines Professionals Commercial Lines Professionals Life/Health & Benefits Professionals Online newsletters and content that you can use for your clients ...