visited my independent insurance broker a few weeks ago
— the first time I’ve crossed his office threshold
since November 2001, when I obtained our auto and
homeowners’ policies through him.
have both gotten older, of course. But when I look at
the cable-TV commercials and the unsolicited mail
offering "cheaper" insurance or more
compassionate providers, I immediately remember that my
15-year-old arrangement has been angst-free, even when,
in 2010, a driver who said the stop sign was invisible
T-boned our car into a pile of parts and broken glass.
don’t have coverage with Farmers, but the insurer is a
great source of claims data that are regularly shared.
data show that the potential for home-insurance claims
tied to liability and fire should be at the forefront of
homeowners’ minds in the autumn.
and fire-related claims increased by a significant
amount (7 percent and 6 percent) in 2015 over 2014,
data examined all homeowners’ insurance claims filed
between September and November from 2013 through 2015,
to identify the major hazards being faced.
the data show that homeowners will likely experience a
wide variation in types of hazards in the fall.
of fall, however. Let’s look at Farmers’ winter
damage-prevention tips instead:
your garden hoses and blow out your sprinkler system to
prevent damage before the first freeze hits.
weather stripping on your exterior doors to help lower
your heating bills.
gaps and cracks around your window frames.
sure your gutters are clean, seal any cracks in your
chimney, and check the flashing around your skylights.
your roof, especially if your house is prone to ice dams
— a ridge of ice at the edge of the roof that prevents
melting snow and water from properly draining.
out Farmers’ Seasonal Smarts ideas at goo.gl/hMwEjJ,
which are designed to help reduce damage and prevent