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Why You Need Flood Insurance Now

Wednesday, August 9th, 2017

water droplets

When Georgia residents have to pay out-of-pocket to use Atlanta disaster repair services after a flood, one of the most common comments is, “I should have had flood insurance.” If you don’t live near the ocean, giant lake or river, having flood insurance may seem unnecessary, but that’s far from the truth in today’s world. Flooding can happen anywhere, even if you are many miles from the nearest body of water. An inch or two of water can destroy a great deal of your home, from the drywall to the baseboards to the floor and beyond. Here are the top reasons to make sure you have flood insurance.

It’s Cheaper Than You Think

Flood insurance is usually a relatively inexpensive addition to your regular homeowner’s insurance. Don’t make the mistake of assuming your homeowner’s policy will cover floods—most don’t, so this extra flood insurance is very important.

It’s Useful Even if There Wasn’t a Disaster Declared

In some cases, you may experience flood damage in your home, but there wasn’t an official declaration of disaster. Flood insurance will still have you covered. There are many circumstances in which damage is significant but not quite widespread enough to be categorized as a disaster, and this is where your flood insurance helps.

Flood Insurance Covers Everything That Was Damaged

Flood insurance will cover not only the structure of the home itself, but also your personal possessions. If the water damages your furniture or other personal property, the flood insurance will cover repair or replacement of those items in addition to paying for the repair of the home.

Need Atlanta Disaster Repair Services? We’re Here to Help

Do you need disaster repair in Atlanta after a flood or another type of disaster? The Parker Young team is ready to help. Contact us anytime to learn more about our disaster repair services.

Questions to Ask Your Insurance Agent After a Fire

Thursday, July 6th, 2017

The aftermath of a fire is an emotionally charged time, to say the least. Thankfully, there are people and organizations available to help you rebound from this tragedy. One of those individuals is your insurance agent. Here is exactly what to ask your agent following a fire in your Macon home.

What Can Be Done to Protect the Remnants of My Home?

If the fire has not destroyed your entire house, find out what can be done to safeguard the remnants. The answer hinges on your unique situation. The insurance agent will likely recommend covering up the windows. He might also suggest erecting a temporary fence around what remains of your home.

Should I Sell or Rebuild?

If the insurance company won’t cover the repair costs in their entirety, selling the property might be prudent. This is especially true for Macon homes that were in poor condition prior to the fire. If the damage is fairly minor, it might make sense to repair the property.

Does My Policy Provide Reimbursement for Temporary Housing?

If the fire prevents you from living in your house, find out if your policy provides money for temporary housing. You might find that your policy covers a portion of this cost.

What Information Do You Have About Local Remediation Companies?

Inquire about disaster remediation businesses that can restore burnt sections of your property, clean soot, get rid of smoke odor and more. However, if the home structure is faulty following the fire, it might not be possible for these services to be performed.

Know That Parker Young Construction is on Your Side

Lean on Parker Young Construction in the days and weeks following your Macon home fire. We will handle fire damage repair, mold removal, water extraction, smoke damage restoration and so much more. Contact us at 1 (888) 303-9288 to learn more about our Macon disaster repair services.

How to Choose the Right Home Insurance

Friday, February 3rd, 2017

HouseHome insurance is something we all need (yes, even renters, although the policies are a little different). Choosing home insurance is a difficult task – but without insurance, you may be left paying the entire cost of disaster repair services yourself. While home insurance is not required in Georgia, you should definitely consider making sure you are covered.

Choosing a Policy

Choosing a policy depends on a variety of things – including the size of your home, the neighborhood you are in, and local weather conditions. Home insurance policies do not cover damage from flooding – if you live somewhere prone to flooding you should purchase separate flood insurance.

Additional structures must often be listed under the policy – this includes outbuildings, desks, pools and standalone garages. You may find some policies offer a better deal if you have lots of additional structures, whilst another might be a better choice if you have one.

Factors to Consider

Georgia also has the Attractive Nuisance doctrine, which means you are liable if a child comes onto your property, plays in your pool and is hurt or killed. Insurance may not cover this liability if your pool is not fenced. Having a pool may also increase your premiums in general, or require that you have a higher liability limit. Other factors to consider are the value of your belongings and anything else that might affect liability, such as owning a dog.

You should not simply choose the cheapest policy – you should do research, read reviews and make sure you have the coverage you need. If you are underinsured, you may be left unable to rebuild or afford the kind of disaster repair you need.

So, make sure you get a good insurance policy – and if the worst happens and you need a disaster repair company in Macon, contact Parker Young.

5 Things to Know When Preparing a Home Insurance Claim

Wednesday, February 1st, 2017

House with Sunset BackgroundWhen you have to file a home insurance claim, it’s important to understand as much as possible about what to expect. Otherwise, you could end up getting less money than you should for your claim. Keep the following information in mind when you’re preparing an insurance claim for your Ellijay home.

Go Over Your Policy

Before filing a claim, take time to thoroughly go through your insurance policy to see what it covers. You should understand what is included in your coverage and what it does not include, such as flood damage. This helps you get a better idea of what you can expect to get from the insurance company after filing a claim.

Gather Evidence

Your home insurance company will need to see proof of the damages you’re including on your claim. In order to do this, make sure you take photos of all items or parts of your home that have been damaged.

Take Inventory

Be prepared to make a thorough list of everything that was damaged. When you make this list, make note of how old each item is, how much you paid for it and how much you would need to pay to replace it.

Challenge Rejections

If your claim is rejected, that doesn’t mean that the damage definitely isn’t covered. Get in touch with your insurance company and ask for more details on the rejection and your policy. Your insurance company might find that certain causes of damage or other factors are actually covered in your policy.

Save Repair Receipts

It’s important to make temporary repairs as soon as possible to reduce risk to your home, such as fixing broken windows. Save the receipts and other documents from these repairs, and submit them to your insurance company for reimbursement.

Whether you have water, fire, mold or storm damage in your Ellijay home, Parker Young can help. We provide high-quality disaster repair services in Ellijay, GA.

How to Ensure Your Home is Covered for Disaster

Monday, January 9th, 2017

AtlantaYour home is your number one asset, and in many ways, your best friend. It comforts and protects you so well that you may forget that it can actually suffer grave damage from an unexpected disaster. You need to ensure that you are properly covered if the unexpected should take place.

Covering Your Court Costs

Depending on the laws of your state, liability can move in many different directions when a disaster occurs. It is always good to check the fine print of your insurance policy as well as state law, because if there is a disaster that causes your home substantial damage, the courts will probably become involved. Liability insurance is your protection against the larger out-of-pocket court costs. Liability insurance also covers the homeowner if there are guests in the home that are injured at the time of the incident. As an added bonus, the proper liability insurance will also cover any damage that is incurred from your pets.

Conducting a Home Inventory

Taking stock of the valuable items in your home is one of the best ways to ensure that you keep the appropriate insurance on your possessions. In most cases, homeowners insurance policies will cover a range of 50-70% of the value of the policy that you have on your home. Without a proper inventory, you may misrepresent the value of the items in your home and underinsure yourself.

Give yourself the benefit of a professional opinion on the type of insurance you trust. The two major types are the cash value policy and the replacement cost policy.

Parker Young specializes in Atlanta disaster repair services. If you face the unthinkable, remember that you have a company that understands the process of what you are going through. Give us a call immediately so that we can help to give you your life back as soon as possible.

Mistakes People Make When Purchasing Insurance

Tuesday, November 22nd, 2016

When people have to deal with disasters that leave their home in shambles, they often start to think about their insurance. Many people wonder if they have enough coverage for the Atlanta disaster recovery services they will need, or if they may have purchased too much coverage. There are several mistakes that many people make when buying insurance today, here are the most significant of those.

Insurance For Disaster Repair in Atlanta: Don’t Drop Flood Coverage

The average homeowners policy does not cover flooding. Repairing the damage from a flood can be extremely difficult and costly, so it is always well worth it to carry that “just in case” flood coverage. About 1/4 of all flood damage actually happens in low risk areas. Weather patterns can also impact this. While snow may be rare in Atlanta, the occasional snow can cause flooding of the home as it melts. Keep the flood coverage. It’s worth it.

Don’t Focus on the Wrong Number

If real estate prices decline, many people reduce their homeowners coverage. That is a big mistake, because insurance is meant to pay for the price of rebuilding, not the sales figure for the house. Reducing the homeowners insurance may mean that there isn’t enough money to rebuild, and that can be a big hit to the wallet if disaster strikes.

Don’t Go For Price Alone

It’s important not to go for price alone. Sure, the best price is always good, but make sure that the insurance company offers good customer service and has a good reputation. If a company’s price is significantly lower than everyone else but it has a bad reputation, it’s not worth the risk.

Call the Parker Young offices today to find out how to bounce back after a disaster. We are here to help people restore their homes after floods, mold infestations and any other type of disaster.

Water Mitigation Insurance Classes for Home Damage Protection

Saturday, March 12th, 2016
water-mitigation
Real estate professionals and insurance adjusters need expert advice and training on subject like water and fire mitigation and restoration. For real estate agents, appraisers and other professionals involved in the process of selling homes, this training can help them recognize the costs of damage and potential increase or decrease in a home’s value. For insurance adjusters, knowing how to estimate and evaluate a claim is key. But this kind of training isn’t only helpful for some people.
Homeowner Preparation

If it is a real estate agent’s job to know the value of a home before selling it, then it is a homeowner’s job to know the value of their home so they can protect it. Knowing the details of mitigation work, the costs involved and the overall process of repairing a home after a catastrophic event can help a homeowner not only prepare for all the eventualities but it will also allow them to expertly evaluate insurance policies, coverages and any safety measures they might take in advance of a potential event.

Franchise Workers and Owners

Even if you are only working part-time as a home restoration specialist, the kind of training available in a water mitigation insurance course is invaluable. The simple ability to recognize damage where an untrained person might not see it will make you a better worker and will decrease costs for your employer, as you likely won’t miss the details and leave the site only partially repaired.

For franchise owners, not only is this training key, but it should be a regularly scheduled event for employees. Teachers, attorneys, doctors and all manner of other professionals are routinely encouraged to attend ongoing education. Something as important as water or fire damage repair is no different.

Home Sales

Real estate agents need to know what they’re selling and further might need to consult with repair specialists on an as-needed basis. Having the necessary training will only smooth the path to a consensus on costs and details and make things easier for everyone involved in a home sale.

While these kinds of classes might not seem all that exciting, given the potential costs of ignorance in these matters, one definitely outweighs the other.

Water Damage Home Insurance Resources

Friday, January 29th, 2016

3d Property insurance concept

Repair work for water damage can be quite expensive, and as they are usually deceptive, water damages may run you into unexpected expenses that may not have been part of your budget.  Hence, water damage home insurance can come in handy and protect you from unforeseen repair bills.

Any water damage has to be addressed immediately as the damage can spread to other parts of your house in no time, and mold growth that results from water damages can be hazardous to your health.  If the damages are not prevented, then the molds would continue to proliferate as water leakage provides the moisture and nutrient that molds need to grow.

It’s important to note here that homeowner’s insurance doesn’t always cover all water damages and they are usually covered under an additional policy.  There are many factors that are taken into account to assess whether the damage can be covered under homeowner’s insurance or not.

A homeowner’s policy generally covers damages caused by floods, wind, rain, or hail whereas mold caused by persistent water leakage are covered under a separate policy.  Age of the roof and the structure of your house are also considered for the assessment.

Look through the clauses of your existing policy and find out the types of water damages covered under it.  However, the best way to find out the coverage is by contacting your insurance service provider, as they are the ones who would be able to provide relevant information.  They would also inform you whether you need to purchase an additional policy or not for all types of water damages.

Water is one of the most common causes of damage in your home and it’s advisable to take precautionary measures, especially when the cost of water damages can be very high.

Maintain appliances and structures inside your house and obtain proper insurance to avoid unwarranted hassles.

Disaster Home Insurance Benefits

Tuesday, December 29th, 2015

Happy couple seal a deal with their personal financial advisor a

Home insurance is something that is more than just having your legal requirements covered as a home owner. It is a safety net in case there should be any disaster-level accidents including fires, storms, theft, vandalism, and other things that can damage or even destroy your home. Your best bet will be to hire the services of a home insurance company and get a comprehensive plan that is appropriate for the house you are living in.

Types of Home Insurance

Depending on the company you hire, your insurance coverage can be one of three types- basic, broad and special. The amount of coverage between them and their cost varies from basic to special. In a basic home insurance, you should get coverage for a good number of damage-causing situations including fire, hail, explosions, smoke, and other such contingencies. Broad will add more items to the list and similarly, special will let you pick and chose a number of likely damages.

Advantages of Home Insurance

Having adequate insurance involves knowing how much your home and the things inside it are worth before applying for it. If you happen to go through a fire accident or any of the mentioned covered incidents, you can restore them with the insurance plan. Even if you do not get the exact same items, the payout will ensure you get close substitutes. The structure can be repaired and restored and you can get the damaged portions back to working order.

When it comes to insurance, diligence is key. Always be aware of what you are signing up for, and read and discuss the terms and other parts of the document in detail before you put your money down. Also, be wary of what is not included in the policy and never make assumptions; ask and clarify.

Great Phone Apps to Keep Track of Your Home’s Inventory

Wednesday, August 19th, 2015
The following are a couple of apps that will make it much easier for you to keep an inventory of your home. ©iStockphoto.com/Prykhodov

The following are a couple of apps that will make it much easier for you to keep an inventory of your home. ©iStockphoto.com/Prykhodov

To ensure your disaster preparedness in Georgia, one of the things you’ll want to do is take inventory of your home. This will make it much easier to file an insurance claim if any of your possessions are damaged during a natural disaster. The following are a couple of apps that will make it much easier for you to keep an inventory of your home:

  • Liberty Mutual Home Gallery – This app lets you document all your items by keeping track of their purchase date, model number, price and even their location within your home. You can even export your inventory into a PDF or spreadsheet to make it easy to share.
  • Home Inventory – This app makes it easy to take inventory of your home by making use of a built-in scanner to scan your things’ barcodes. You can also upload pictures and information.
  • DreamVault – Upload photos of your items and then add information, such as serial numbers, models and prices, by using the speech to text feature. You can even sort your items into predefined categories and then export them into reports.

Consider using these home inventory apps and contact Parker Young for more tips on disaster preparedness in Georgia.

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