Tag Archives: homeowners

Know The Difference Between Water Damage And Flood Damage

Water Damage vs. Flood Damage

When dealing with broken pipes, burst water mains, and other water issues in your home, you likely do not think about whether you should file a water damage claim or a flood damage claim. Many homeowners do not realize there is a difference between these two types of claims. Gathered is some vital information about water damage and flood damage to help you better understand the issues you may be dealing with.

Floods

According to the Federal Emergency Management Agency (FEMA), a flood is defined as a general and temporary condition of partial or complete inundation of two or more acres and two or more properties of normally dry land. Within this definition, flood damage can only be caused by:

  • Overflow of inland or tidal waters.
  • Unusual accumulation of runoff of surface water.
  • Mudflow.
  • The collapse of land along a body of water, as a result of erosion caused by waves or currents.

So What Is The Difference?

In simple terms, the difference between a flood damage claim and a water damage claim is that a flood involves water from a natural source and includes more than one property. If only your home is dealing with water issues, chances are you are dealing with a water damage claim, not a flood damage claim.

Flood Insurance

Most home insurance policies do not include flood insurance. If you are in an area at risk of flooding, you should contact the National Flood Insurance Program for a policy. This will allow you to stay protected from flood damage and be able to file a flood damage claim. You can learn more about purchasing flood insurance here if you are concerned about your home’s risk.

For all of your homeowner’s insurance needs throughout the Conejo Valley, contact the insurance professionals at Integrity First Insurance Services in Thousand Oaks, California.

Why do you Need a Personal Umbrella Policy?

Protect your assets!  Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, watercraft  and other personal insurance policies.  This helps prevent you paying out of pocket to cover the cost of a disastrous situation. Typical personal umbrella insurance policies start at $1 million.

Contact the insurance experts at Integrity First Insurance in Thousand Oaks, California for all of your Conejo Valley umbrella insurance needs. We will make sure that you have the right policy to provide protection from any unfortunate situation.

UberFacts: Hilarious Facts You Won’t Believe

These funny facts will help you be the life of the next party. Use these facts to shock your friends and be the know it all you’ve always wanted to be.

  • No one knows why, but a duck’s quack does not echo.
  • Tongue prints are like fingerprints, everyone’s is unique.
  • 98% of the atoms in your body are replaced every year.
  • Hot water weighs more than cold water.
  • Sloths takes two weeks to digest their lunch.
  • A flink is a group of 12 cows.
  • Chewing gum while peeling onions will stop you from crying.
  • Fingernails grow four times faster than toenails.
  • Honey never spoils. The honey that was found in ancient Egyptian tombs is still edible.
  • Sneezing with your eyes open is impossible.
  • Butterflies taste with their feet.
  • Vegas gambling casinos have no clocks in them.
  • Leonardo Da Vinci was the inventor of scissors.
  • In the 1830’s ketchup was sold as medicine.
  • Money is made out of cotton, not paper.

Integrity First Insurance in Conejo Valley California is dedicated to helping homeowners find the right insurance. Contact us for a quote today!

4 Ways To Reduce Your Water Use

Homeowners all around California are trying to conserve water because of the recent drought but water conservation is not only helpful to the environment but also can bring down the price of your water bill. Here are 4 ways you can conserve water with every day usage.

  1. Check for leaks in pipes and faucets. One small leak can make you lose up to 20 gallons a day while a larger leak can lead to losing hundreds of gallons a day.
  2. Don’t use your toilet as a trashcan. Flushing the toilet uses five to seven gallons of water so think twice next time you decide to flush a piece of trash down the toilet.
  3. Install a water saving shower head to save about 2 gallons a minute. Try limiting your showers to a shorter time and turning off the water when you’re not under it.
  4. Use a foam pipe to insulate your water pipes to get hot water faster so you don’t have to let the water run until it gets warmer.

Integrity First Insurance in Conejo Valley California can find you the coverage you need at the price you deserve. Contact us for your insurance quote today.

Steps To Prevent Ruptured Pipes From Damaging Your Home

Rust can sometimes rupture pipes causing flooding and devastating damage to your household. Your pipes are the only things between your home and gallons of flowing water so it pays to keep them maintained. Sadly many people fail to maintain their pipes so pipe bursting happens quite often. Here are steps you can take to fix a busted pipe without dropping too much cash.

  1. Shut the water off! Find the water main and shut your water flow off to give your pipe some time to drain before taking the steps to fix it.
  2. Find where the source of the damage and patch it. If there is damage in the main pipe you will need to take extra care to patch it up.
  3. A small burst that isn’t on a main pipe can be fixed with a garden hose clamped tightly over the hole.
  4. For a more advanced fix, cut the portion of the damaged portion of the pipe with a hacksaw and replace it with a new piece.

Integrity First Insurance in Conejo Valley California can help you prevent water damage from costing you thousands. Contact us today to find the coverage that’s right for you.

 

Keep Your Family Safe Before, After, and During an Earthquake

In California earthquakes can happen when you least expect it. Here are some steps you can take before, during, and after an earthquake to ensure your family’s safety.

Because we live in California, earthquakes are very common! By taking the time to earthquake proof your house securing furniture and cabinet doors, you will hopefully be prepared for any high impact area. Create an emergency plan with your family along with a disaster kit with first aid supplies, food, flashlights, and water.

During an earthquake take cover in a safe place away from windows. Protect the back of your neck with your arms and stay inside until the shaking has stopped and dangerous debris stop falling.

After an earthquake prepare yourself for an aftershock and keep your shoes on in case of any broken glass. Check around the house for gas leaks or damaged electrical lines.

Earthquakes can cause a ton of destruction to your home if you are not prepared. You cannot get coverage after a natural disaster so it is important to be assure safety beforehand with homeowners insurance.

Integrity First Insurance in Conejo Valley can help you keep your family and your personal possessions safe by finding you the right coverage. Contact us today for any of your insurance needs.

Prepare Your Home Before Leaving for Vacation

Summer is the perfect time to take a family vacation and spend quality time with your loved ones. Before leaving on vacation, make sure to prepare your home by keeping these tips in mind.

  • Make your house look lived in. Leave a car in your driveway and make sure your gardener continues to trim your lawn while you are out of town. Ask a trusted neighbor to pick up your mail everyday so it does not pile up in your mailbox. Make sure all of your outdoor sensor lights are working, and set at least one light inside your home with a timer to make sure your home stays lit during the night,
  • Prepare your plumbing and electricity. Unplug all small appliances and other electronic devices. Turn down your thermostat to save energy and money while you are gone.
  • Notify the proper people. Make sure to notify your credit card company to make sure you have the proper funds to enjoy your vacation. Also, make sure your alarm company knows you are leaving so that they can closely monitor your home.

It is also important to check your homeowners insurance policy to make sure you have the proper coverage.  Contact Integrity First Insurance for all of your insurance needs in Conejo Valley, California.