Do You Really Need Flood Coverage?

Many people are under the impression that flood insurance is only for home and business owners who live in a flood zone. Recent flood events have proven this theory false. Floods are occurring in flood and non-flood zone areas all over the country. With flood insurance, you can have the protection you need to recover from unanticipated flood disasters. Here’s how flood insurance from The Wurzel Agency can protect you.

What Flood Insurance Covers

Flood insurance offers two types of coverage: protection for your building (home) and protection for its contents.

Building coverage covers flood damage to your home’s foundation, walls, staircase, wall-to-wall carpeting, paneling, and cabinets. It also protects your plumbing and electrical systems, furnace, water heater, built-in appliances, and window blinds. If you have attached structures to your Oviedo, FL home like a patio or garage, these are also protected under your flood insurance building coverage.

Contents coverage protects your personal belongings, furniture, electronics, washer, dryer, portable AC units, small appliances, rugs, artwork, and other valuables.

What Kind of Damage Can Floods Cause?

Flooding can cause extensive structural damage to your home in very little time. You may notice frayed electrical wires, cracks in your foundation, buckled flooring, and mold. Floodwaters can compromise your HVAC system, water heater, refrigerator, and other major appliances. Some homeowners have lost all that they owned due to a flood disaster.

Do You Need Flood Insurance?

Flood insurance can provide you with financial support to recover from a flood disaster. Unless you have the finances to rebuild your home or replace your goods on your own, you can significantly benefit from the help that flood insurance can provide in recuperating your losses after a flood.

To purchase flood coverage for your Oviedo, FL home, contact an agent from The Wurzel Agency today.

What to Know Before You Go Solar

Solar panels can be economically and environmentally sound, and they’re more accessible than ever. 

But is solar power right for you? Here are five things to think about before making the switch:

  1. The different options for installing a solar system. Oftentimes you don’t have to foot the full cost of going solar yourself. Instead, you may be able to lease a system from a company that installs and maintains it, or enter into an agreement where a third party actually owns the system and bills you (likely at a reduced rate) for electricity. Just keep in mind that installing and owning your own system may provide the best long-term return, and tax credits or rebates may help to lower upfront costs.
  2. Your current energy costs — and your future needs. Depending on your situation, you could have relatively low energy bills now and not be as motivated to pursue solar as someone with higher costs. But what does the future look like? If your family is growing, your energy costs are probably about to grow, too, and investing in solar might be worth your while.
  3. The power a system would generate. Have a reputable solar company measure the amount of sun your home gets, taking into account things such as shade, trees, etc., so you can make an informed decision about expected savings.
  4. What your homeowner’s policy says. With any improvement that increases the value of your home, you need to make sure your insurance policy reflects the change. Give us a call to see if your policy already covers solar panels. If it doesn’t, we can help you amend it.
  5. Your goals. Are you mainly looking to save money? Help the environment? Both? Knowing your goals will help you determine whether solar is the right choice for you, as well as which option makes the most sense. No matter what you choose, even considering solar means you’re thinking about energy a little differently. And that’s a good thing.

Renewable power – it can help protect you from rising energy costs and even power outages, not to mention the good it does for the environment. Just be sure to consider your options and all the costs involved before making the leap.

Summers mean backyard grilling – safely!

Just like steaks, hamburgers and hot dogs, a sizzling grill is a symbol of summer — and grilling isn’t just about great food. Backyard cookouts often create treasured memories with friends and family.

Keep in mind, however, that when you grill, you’re playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents.

There’s good news, though: You can prevent grilling accidents by taking some simple precautions. The tips below can help ensure you cook only your burgers – and not your house – the next time you fire up the grill.

TIPS FOR ALL GRILLS

Your grill, whether gas or charcoal, should be on a level surface outdoors, away from anything that could be ignited by flames (bushes, fences, or other flammable articles). 

NEVER use a grill indoors. Odorless carbon monoxide fumes are deadly.

Keep your grill clean and well-maintained. Check parts regularly to determine if replacements are needed.

Never leave a hot grill unattended or let children play near it.

CHARCOAL GRILL TIPS 

From Kingsford.com

  • Do not add lighter fluid directly to hot coals. The flame could travel up the stream of liquid and burn you.
  • Never use gasoline or kerosene to light a charcoal fire.
  • Use flame-retardant mitts and long-handled barbecue tongs, as coals can reach up to 1,000 degrees. 
  • To dispose of coals, allow the ashes to cool for at least 48 hours before disposal in a non-combustible container. If you cannot wait 48 hours, carefully place coals individually in a can of sand or bucket of water. 

GAS GRILL TIPS

From the National Fire Protection Association

Check your grill’s hoses for leaks before using it for the first time each year. Apply a light soap and water solution to the hose. A propane leak will release bubbles. If you have a leak, and it will not stop after the grill and gas are turned off, call the fire department. If the leak stops when the grill and gas are turned off, have your grill serviced by a professional.

If you smell gas while cooking, immediately get away from the grill and call the fire department, do not move the grill.

Do not keep a filled propane tank in a hot car or trunk. When getting containers refilled, make that your last stop before going home.

Store propane tanks in an upright position, and never indoors. The Wurzel Insurance Agency is here for you! Give us a call at (407) 977-5700 to speak with one of our experienced agents, or email us: hello@wurzelagency.com.