Does my home owner’s insurance cover foundation repair?

Does my home owner’s insurance cover foundation repair? Not to sound wishy-washy, but sometimes your home owner’s policy covers foundation repair and sometimes it doesn’t. Certain types of specialty insurance may offer the coverage and peace of mind you need.

Homeowner’s Insurance

Typically, homeowner’s insurance covers sudden damage, but not damage occurring over time. Insurance companies look at damage occurring over time as a home maintenance issue. For example, if a pipe suddenly bursts and causes foundation damage, it’s usually covered by your home owner’s policy. However, if a slow leak causes foundation damage, that qualifies as a maintenance issue. If you’d seasonally checked for leaks, you’d have probably caught it before it did damage. Refer to your policy for covered perils. In these specific situations, the policy covers foundation repair.

Specialty Policies

Insurance policies that cover specific hazards like floods or earthquake cover foundation repair caused by that peril. If a flood damaged your foundation, your flood insurance covers the damage. The National Flood Insurance Program, in conjunction with the Federal Emergency Management Agency, issues flood insurance policies. These don’t typically cover mudslide or soil movement, so you may not be covered if a flash flood damages your foundation.

You can purchase a specialty foundation policy. It covers items like shifts, cracks, and damage caused by upheaval or unstable settlement or upheaval.

In Flowood MS, Insurance Protection Specialists can help you sort out what your home owner’s policy covers and what it doesn’t. We can also help you obtain policies to cover special needs, like a flood or a foundation policy. In Flowood, MS, Insurance Protection Specialists can help you protect your investment in your home.

Pre-Road Trip Maintenance

Taking the family on a fun-filled road trip this year? Well, before you pack your loved ones in the car, make sure to perform your pre-road trip maintenance. In Flowood, MS, the Insurance Protection Specialists would like to help you before you leave on your trip with a few maintenance tips on your vehicle.

Check the Oil

Review your owner’s manual and find out the manufacture’s recommended time to replace the oil in your vehicle. If it’s near the suggested mileage, you should go ahead and change the oil. If you’re traveling to a warm climate, consider synthetic oil. It can help prevent breakdowns in the heat and also cut down on fuel costs.

Kick the Tires

Use the penny test to check the tread on your tires. Place a penny with Lincoln’s head facing downward. If you see the top of his head, your tires need to be replaced. If any part of his head is covered by the tread, then your tires are okay. With low tread, you risk hydroplaning in the rain. If your tires are acceptable, you should at least have them rotated.

Manage the Battery

Look under the hood and make sure the battery’s cables and wires are not corroded. If the battery has corrosion, you should get a new one. A mechanic can also find out if your battery is running on reduced power. You don’t want to leave for your road trip with less than half battery power. You would end up spending part of your vacation at the auto repair shop anyway, so have it serviced beforehand.

Before beginning your adventure on the road, head over to the Insurance Protection Specialists in Flowood, MS to establish a new auto insurance policy. If you already have one, their independent agents can help you update your current coverage.

What Is Recreation Insurance?

Although it sounds like some sort of insurance to protect your family while you’re on vacation, recreation insurance is actually for business owners. If you enjoy attending outdoor events and activities in the Flowood, MS area, chances are those facilities are protected by recreation insurance.

At its core, recreation insurance is a form of liability insurance that prevents companies from paying for medical bills if a patron gets hurt on site. Sometimes summer kids’ programs have recreation insurance and require patrons to purchase it before attending. The team at Insurance Protection Specialists can give you more insight if you own a recreation business.

Do you know if you need recreation insurance? It’s a possibility, especially if your business provides outdoor activities for groups of people. Akin to professional liability insurance, recreation insurance, also called outdoor insurance, offers liability protection. Professional liability insurance protects companies who provide a service, which is essentially what recreation insurance would do for you.

Recreation insurance might be on the table for your business if you offer any of the following activities:

  • Guided tours, hikes, or rides
  • Swimming opportunities
  • Zipline
  • Ropes course
  • Summer camps for any age
  • Team building activities
  • Adventure vehicle rental, such as ATVs
  • Rock climbing walls
  • Canoe or white water raft tours and rentals

The list goes on. No matter what recreational or outdoor activity your business offers, it’s important to avoid out-of-pocket liability by purchasing recreation insurance, or at least something similar.

Does this list describe your business? Then you would do well to contact the team at Insurance Protection Specialists serving the Flowood, MS area. Now that it’s summer, more and more people are looking for outdoor activities. If your business offers it, you need insurance for it! Contact an agent at our offices right now for advice or a quote.

Can I Get Health Insurance If I Am Currently Pregnant?

Many people are confused about the changes to health insurance these days. And since new changes are always talked about, it makes it even more confusing to keep track of things. As such, it makes sense that we are asked many different questions about health insurance at Insurance Protection Specialists, serving the greater Flowood, MS area. One of the questions we find ourselves answers a lot is about health insurance and pregnancy. Here is some information you need to know about this topic if you are pregnant or planning on becoming pregnant.

You can no longer be denied health insurance because of a pre-existing condition. This means that if you are pregnant during the open enrollment period, you can sign up for or change your health insurance policy without being denied or penalized financially for doing so. However, what you need to understand is that you can only enroll in a health insurance plan during open enrollment periods, which is typically at the end of the calendar year, or if you have major life changes. Major life changes include getting divorced, changing jobs, or giving birth. Becoming pregnant is not considered a major life event at this time. This means that if you are not already enrolled in a health care plan and it is not open enrollment time, you may not be able to obtain health insurance unless you qualify for any state run health insurance options.

Health insurance is tricky. If you have questions about a health insurance policy and how it may apply to your life, contact Insurance Protection Specialists, serving the greater Flowood, MS area. We can help you answers questions specific to your situation and help you find the right insurance for you. Call us today to get started.

Top Questions to Ask When Purchasing Life Insurance in Flowood, MS

Purchasing a life insurance policy is a critical decision to make sure your family is protected in the event of your death. Knowing what questions to ask your insurance agent will help you make the right decision to ensure your family is not left without any financial resources.

Who am I purchasing the insurance from?

Insurance companies are rated by a few different organizations. You want to make sure the company you buy from is highly rated by one or more of these agencies. A high rating will increase the likelihood the company has the financial strength to pay out a claim.

Does term or permanent insurance make sense for my situation?

Your agent at Insurance Protection Specialists can help guide on what is best for your situation. For example, term life insurance is usually better for people with a mortgage. Permanent policies are better for ongoing expenses such as caring for a loved one or retirement planning.

What are the exclusions?

This is an important question to ask to make sure you do not find yourself without coverage. Most insurance companies have exclusions such as suicide. However, there are also some high-risk activities such as scuba diving or skydiving. So before you sign up for your local Flowood MS skydiving course make sure you have coverage.

What are the additional coverages I can purchase?

Most insurance companies offer additional coverage to purchase, and you should speak with your agent about the coverages to see if they make sense for you. For example, many insurance companies will offer a disability rider that will help pay expenses if you become disabled.

No matter what age you are, it is never too early to discuss life insurance; please feel free to reach out to us at the Insurance Protection Specialists, proudly service the Flowood, MS area.

Make Sure Your Business has the Necessary Commercial Coverage

The Insurance Protection Specialists work with many businesses in the Flowood, MS area to ensure that they have the necessary commercial coverage. Commercial insurance varies quite a lot from personal insurance which is why working with a professional agent is always a good idea. Businesses need coverage for many different events and one policy is not sufficient. There are many considerations to be made about the adequate coverage of automobiles and other vehicles, employees, customers, key staff coverage, liability, and property concerns. IPS is here to work through all of your needs and make sure that your business has the coverage that it needs.

Company vehicles must be covered for damage and the drivers must all be covered under the company policy. In addition, any damage that is caused by the vehicle to persons or property needs coverage as well. Liability insurance will provide coverage from any slip and falls or employee injury on the job. If your company deals with services or merchandise that can potentially cause damage to either staff or customers, there may be another layer of necessary coverage. Key persons need coverage in the event of death or disability as the company will likely suffer losses as they look to refill such positions. There is also business interruption insurance, insurance for the business’s physical property, and worker’s compensation coverage. Working with a knowledgeable agent is the best way to get the insurance your company requires and also give you peace of mind.

Insurance Protection Specialists is proud to serve the businesses of the Flowood, MS area and would welcome the chance to review your commercial insurance needs with you. Call or stop by today and meet with one of our experienced agents to see how we can help you.

Your Referrals Provide for Those In Need

Every time you refer someone to us for a quote, IPS donates $10 to a local non-profit. We also support them in more personal ways.

Last quarter, IPS supported the Junior Auxiliary of Rankin County by buying tickets to their gala, donating a band performance for their silent auction, and collecting food for JARC service projects feeding hungry children in Rankin County.

This summer, we are supporting the Mustard Seed in Flowood; we have already worked in the gift shop and helped Seedsters make cards for Mother’s Day and Father’s Day.

For more information call 601-992-4040 or visit our website www.ips-ms.com    

 

3 Tips for Buying Your First Car

Buying your first car is an exciting milestone in your life. Before you decide what kind of car you want to buy, consider these three tips to help you in your search for your first car.  

1. Create a Budget that is Realistic

To come up with a budget for your first car, take a good look at your cost of living expenses. Add up what you currently pay for rent, food, tuition, entertainment, and any other monthly expenses. Now take a look at how much you make and subtract your expenses. Whatever is left over is what you can afford for a car payment, gas, and auto insurance on a monthly basis if you don’t have a lump sum of cash stored away to pay for the car up front.    

2. Think about Safety

While you may find yourself gravitating toward a car that looks good, safety is the biggest feature you should be looking for. Whether you are a new or experienced driver, buying a car that ranks in the top safety categories is worth every penny.  

3. Be Sure to Take a Test Drive

Now for the fun part – you get to test drive your first car choices at a dealer in Flowood, MS. This is extremely important because the way the car feels when you sit in it and the way it handles on the road will determine whether or not you enjoy driving the car.  

Once you buy your first car, you will also need to purchase an auto insurance policy. At Insurance Protection Specialists we work with you to find the best auto insurance policy for your first car in Flowood, MS. To speak with a specialist at Insurance Protection Specialists call us at 601-992-4040.  

 

 

6 Dangers You Might Encounter In Your Backyard

Spending time in your backyard is a part of living in Flowood, MS. the weather is beautiful throughout much of the year, allowing you to enjoy the fresh air. There are various dangers that you may encounter in the backyard, and it’s important to know what these are. Some will be protected within your home insurance policy and others will not be. Even if you do have protection within your policy, you will want to exert caution to avoid having to file an insurance claim.

Hot Grills

Hot grills are dangerous, especially if you aren’t exercising caution. It’s possible for small kids to get burned on flying embers. Additionally, if you are not watching the flames, something could easily catch on fire.

Trampolines

Trampolines are a lot of fun for kids and adults alike. However, head injuries are common. If the trampoline is not properly screened in, you might want to require everyone to wear helmets.

Sunburns

UV rays have the capability of burning the skin after just 15 minutes. It’s important to offer SPF protection in the form of sunscreen to everyone who is going to spend time outdoors.

Ticks

Ticks have been known to be carriers of Lyme disease, even in Fort Myers, FL. Over 300,000 people are diagnosed with this every year. When spending a large amount of time outside, wear insect repellent and cover as much skin as possible.

Drowning

If you have a pool, drowning is a concern. This is why liability coverage on homeowners insurance is more expensive and at Insurance Protection Specialists, we can help you find affordable quotes. Be sure that the pool is fenced in and that there is always someone watching kids inside the pool.

Trip Hazards

When anyone is walking or running around outside, there might be trip hazards. This could be toys that have gone without being picked up as well as potholes throughout the yard.

Contact us at Insurance Protection Specialists today to learn more about the dangers that occur in and around your home. One of our independent insurance agents will show you how to protect yourself by building a custom home insurance policy.

 

5 Priorities for Spring Cleaning your Home

Spring cleaning will clear out the cobwebs of winter and make your home a more pleasing living environment. Prioritizing your spring cleaning jobs saves you time and money in the process. Here are a few suggestions to get you started.

Floors

If your home receives a lot of traffic, your floors are bound to need some attention after a long, hard winter. Deep cleaning tile flooring will make them look and feel like new. Carpets can be professionally steam cleaned to get rid of dirt, dust, and stains that have accumulated over winter. Clean floors will brighten your entire home environment.

Air Conditioning Unit

Spring’s a good time to have maintenance done on your AC unit in preparation for summer. A smooth running AC system will greatly improve the air quality of your Flowood, MS your home. If you need to upgrade your AC system, spring is a good time to invest in a new one.

Declutter

Ridding your home of clutter will improve safety and home appearance. Clutter can come in the form of old clothes, books, magazines, broken electronic equipment, outdated DVDs or damaged toys. Whatever you are not using or need can be donated to others.

Kitchen Appliances

As the hub of your home, your kitchen deserves deep cleaning, starting with kitchen appliances which should be wiped down inside and out. This includes your stove, oven, refrigerator, blender, coffee maker, microwave, etc.

Bathrooms

Deep clean your bathrooms to get rid of ground-in dirt and grime on fixtures, walls, and floors. Disinfecting bathrooms eliminates germs that can cause diseases, leaving you with a more hygienic bathroom environment.

In addition to cleaning, make sure your Flowood, MS home is protected with adequate insurance coverage from Insurance Protection Specialists. At Insurance Protection Specialists, we offer affordable home insurance packages that are sure to suit your need.