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“Any th i n g wo r t h do i n g i s wor th do i n g po o r l y - unti l you lea r n to do i t we l l .” – Steve B row n HEALTHY, WEALTHY & WISE JANUARY 2014 In This Issue }} GOTCHA! Beware Unpleasant Insurance Surprises }} A Cure For Dry, Irritated Eyes }} Winter Pet Care }} Catching Snowflakes }} Recipe: Lime Chicken Soft Tacos }} Good Clean Funnies and Quick Tips GOTCHA! Beware Unpleasant Insurance Surprises Property insurance is one of those things that you buy and hope that you’ll never have to use. But what happens when you do need to make a claim? How can you be sure that you are covered? If your home is damaged by fire, flood, storm or wind damage, you expect to be covered for the loss. However, there are a few insurance policy “gotchas” that could leave you holding the bag. INSURANCE GOTCHA #1 – NO FLOOD INSURANCE: Freakishly heavy rains hit and a stream near your house overruns its banks. Before you know it, water is rising in your front yard, rushing by like a wide, shallow river. You watch helplessly as murky water creeps under your door and pours into your living room, bringing with it unknown contaminants and microorganisms. Water seeps under walls and into adjacent rooms, wetting hardwood floors, saturating carpet and penetrating into baseboards and drywall. ABC CLEANING 555.123.4567 Hours later the water subsides and you assess the damage. It becomes obvious that you need help. You call ABC Cleaning to extract the water, clean, dry and repair your home. When you file a claim with your insurance company, you are shocked to find out that is not a covered loss because you do not have flood insurance. You may have to pay thousands for all of the repairs out of your pocket. Protect yourself from this “gotcha” by keeping an up-to-date flood insurance policy. INSURANCE GOTCHA #2: SUDDEN AND UNEXPECTED: Most homeowner’s insurance policies only cover you for sudden and unexpected losses or damage. So if you fail to spot ongoing plumbing leaks, missing shingles, or rotting windowsills, the damage may not be covered if it occurred over an extended period. Mold, wood rot and corrosion are types of damage that are not sudden and unexpected. Insurance companies consider them deferred maintenance or negligence. You should periodically inspect your home and fix those little issues that can become major problems. INSURANCE GOTCHA #3 – BUILDING CODE UPGRADES: If your home suffers fire or storm damage requiring structural repairs, a building permit and inspections may be required in order to have the work completed. See “Gotcha” on next page }