Your home is your castle. While many homeowners think of home insurance claims as only possible from mass-destruction events, such as hurricanes and tornadoes, the most common claims are the ones that homeowners least suspect. Fortunately, many home insurance claims can be entirely preventable. To protect your castle, take a look at these home insurance claims that are preventable.
Unfortunately, the nature of the washing machine makes it possible for disasters to occur – alternating water temperatures, shaking machines, and containment in low-traffic areas. To prevent claims, it’s wise to replace plastic hoses at least every three years and inspect them regularly for any damage.
Most home insurance policies will offer coverage for roof deterioration caused by unpreventable triggers, such as vandalism or fire. Unfortunately, leaks and pest infestations can weaken a roof and cause more damage in the event of a disaster. Basics roof maintenance, such as gutter cleaning and shingle replacement, is key to a longer life.
Open flame (or gas) is often necessary for cooking, warming, and illuminating the house. Next to water damage, fire devastating is the number one source of homeowners insurance claims. You can prevent fires by taking care in the kitchen, placing candles away from children and pets, and switching to electrical tealights.
Make sure you have a homeowners insurance that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.
If you’re a renter and own things, you need renters insurance coverage. Yet, many renters overlook this coverage, believing that they have too few possessions or think that coverage is more expensive than it is. Renters insurance is designed to provide help when you need it the most, and it can protect your belongings and wallet when the worst happens. There are a few broad reasons to purchase renters coverage, including the ones below.
Protection from theft
If your precious belongings are stolen or vandalized, your renters insurance coverage can help to repair or replace these items. What’s more, this coverage works outside of your home. Even if you’re on a flight to Miami and your laptop gets stolen from the overhead locker, your coverage will step in to help with a replacement.
Protection from fire
Renters insurance can help to cover your belongings if they are destroyed in a fire or damaged from smoke. Whether you cause a fire because of an unattended candle or your neighbor falls asleep with a lit cigarette, your insurance can step in to help. Renters insurance can pay you for your loss and pay for a place to stay while the damage is repaired.
While visiting your apartment, your neighbor trips and injures themselves in your place. Whether they got injured or their property gets damaged while in your apartment, you could be held responsible. Renters insurance can help to cover their medical costs and more.
The weather can change in an instant, meaning that homeowners should always be prepared for the worst. Part of this preparation is to prepare for a power outage caused by a storm. Storms can bring strong winds and heavy rain that knock down power lines, leaving homes without power from a couple of hours to several days. Here are a few tips to help make sure you are prepared for a power outage.
Remember that a homeowners insurance policy can help to get you back on your feet after a disaster. Make sure you have a policy that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.
The summer break is drawing to a close and that means it’s back-to-school season. With college students packing up their cars to go back to campus and parents dropping off their kids at school, the roads undoubtedly get busier. When you’re out on the roads this season, be mindful of the increased congestion and possible distracted drivers. Take a look at these essential back-to-school driving tips.
This should be obvious. Whether you’re heading to school, work or just running errands around town, drivers and passengers need to buckle up. Seat belt save lives and prevent injuries – only if you use them!
The roads will be busier in the mornings and afternoons thanks to school traffic. If you need to be somewhere for a certain time, account for the congestion and leave plenty of time for the journey. If you’re going to be driving somewhere unfamiliar, plan your route in advance.
Drivers should always abide by the posted signs for speeding and school zones no matter what time of day it is. Kids may be walking home from school in the early evening in the vicinity of the school.
When you’re driving kids to and from school, the opportunity for distraction is multiplied. Remember to put your phone down (that important work email can wait) and avoid eating behind the wheel. Multitasking behind the wheel means that you’re not paying attention to what is on the road. If a child chases after a ball in the road, you want to be sure you are prepared to stop.
Before hitting the road this season, make sure to replace any expired insurance identification cards in the event the driver needs to prove they have insurance during a traffic stop.
We hope that these back-to-school driving tips keep you and your family safe as another school year begins. For all of your insurance needs, visit Abatelli Group, Inc. We are ready to help you find reliable insurance today.
In the summer months, walking into a cool house is a refreshing break from the sweltering heat in New York. But for homeowners and renters alike, a chilled property comes at a price. Running your central air conditioning can cost $3.84 a day or more than $115 a month. With energy costs rising, it makes sense to take steps to make sure your A/C is running at maximum efficiency.
Maintain your A/C unit
Regular A/C maintenance is one of the best things you can do to improve your HVAC efficiency and prevent breakdowns. A yearly HVAC tune-up can keep your system functioning properly and identify issues before they arise. You can avoid high repair costs by performing regular maintenance, either yourself or by a professional
Use appliances wisely
Some home appliances, such as the oven and clothes dryer, can heat up the inside of your house and increase your cooling costs. To minimize the impact of heat-generating appliances, avoid using the oven or clothes dryer during the hottest part of the day. For improved efficiency, use them at night when it is easier to keep your property cool.
Close the curtains
Although natural light is wonderful, the rays of sunlight streaming through your windows can raise the interior temperature of your home and force your A/C to work harder. You can reduce the stress on your unit by closing the curtains and blinds during the day so that the sun doesn’t warm up your apartment.
Make sure you have an insurance policy that you can rely on. Need help finding adequate insurance? Contact Abatelli Group, Inc., serving Whitestone and neighboring cities in New York with the right and reliable coverage.
Your business has a lot of physical assets: your building and its contents. These pieces of property can be damaged, which is why it’s important to protect them. A commercial property insurance policy is designed to cover buildings and personal property owned by your business. While unexpected accidents and events can happen at any time, such as storms, fires, and other major setbacks, with business property insurance, you’ve got support and financial assistance to help you recover quickly.
How commercial property coverage works
Commercial property insurance coverage varies, but they are typically classified by the type of event leading to a loss, and by what things are insured. Basic property insurance usually covers losses caused by fires or explosions, theft, vandalism, and damage from vehicles and riots. You can purchase additional coverage that protects your property against mass-destruction events such as earthquakes and floods.
Commercial property insurance is designed to cover your building and outdoor items on the premises as well as key items inside such as office equipment and inventory.
Take an inventory
Before you decide to take out commercial property insurance, it’s wise to take an inventory of your business. This helps you determine what property you want to insure, what its replacement value would be, and if it’s worth insuring. The property you might insure could include:
For the right commercial property insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!
If your vehicle is damaged in a car accident, it is natural to want to know how to get it repaired as soon as possible so that you can get back on the road. One of the first questions you’re likely to ask, “What will it cost to repair my vehicle?” This can be an intimidating question since most of us are not in the auto repair business and have no idea what it costs for parts, labor, or paint. When you file a claim, your insurer will often send out an appraiser who will investigate the damage. Keep in mind that this isn’t an instant solution, but it does take the necessary steps to get your vehicle back on the road.
Once you call your agent or insurance company and let them know about the accident, you will be able to talk to a claims adjuster. After you give your statement about the accident, and you have coverage for the damage, the adjuster will send out an appraiser to inspect your vehicle or you will need to take your vehicle to a certain body shop. The appraiser will take pictures of the entire vehicle as well as the damaged areas. The reason for this is so that the insurance company can be sure that they are only paying for damages from the accident, rather than wear and tear.
The auto estimate will break down what work needs to be done to restore the vehicle, as well as itemizing parts, repairs, paint time, labor, and tax. The appraiser will compare part prices to ensure they are in line with guidelines your insurance carrier uses for vehicle repairs. Once this estimate is generated, the work will commence. Keep in mind that the shop may find additional damages down the road when the repair work is being completed. If this happens, the shop will submit another estimate, which can slow down the process.
Make sure that you have an auto insurance policy that works for you. To get started on quality coverage, contact Abatelli Group, Inc., serving motorists in Whitestone and neighboring cities in New York.
As a renter, you may be tempted to skip the thought of purchasing renter’s insurance coverage. After all, you don’t own the space and you only have a few belongings – coverage can’t help you that much, right? Think again. All people who rent an apartment or condo should consider taking out a policy to protect their belongings, wallet, and more. Here’s why.
What does renter’s insurance cover?
Most renters are under the impression that the landlord is responsible for repairing and replacing their property after an incident, such as fire or theft. This is a costly assumption to make. The landlord will have insurance that covers the whole building, excluding your own personal property. This means that if you don’t have insurance, you leave your belongings and pocket vulnerable to risk.
Renter’s insurance covers:
Common perils include:
Road trip season is almost here! Now is the time to make sure your vehicle is ready to handle some sun-drenched driving. Summer’s high temperatures, flurries of dust, and occasional rainfall can take a toll on your vehicle and driving. To help ensure your car is ready for the summer roads ahead, be sure to follow these car maintenance tips.
This is particularly important if your last oil change was a while ago. Intense weather conditions can put extra demands on your oil and oil filter, and breaking down in the hot sun isn’t an option. A clean filter and new oil make for a healthier, happier engine!
The fluids often get neglected in summer because motorists likely topped them up before winter. However, now is the time to double check the fluid levels such as transmission fluid, power steering fluid, coolant, and even windshield wiper fluid. Coolant fluid is especially important to keep an eye on before the heat of the season.
Potholes and difficult road conditions wear on your tires and their air pressure. Make sure that your tires (including your spare) are properly inflated before hitting the road for a big summer road trip. Tires with low air pressure tend to wear out much quicker and will lead to inefficient fuel consumption.
It may sound ridiculous to get new wiper blades in the summer months, but summer isn’t always about the heat. When there’s rain or mist, you’ll want good, functioning wiper blades that are clean and effective.
In many ways, it’s easier than ever to start up your own business but it’s becoming increasingly difficult to stand apart from the crowd. But it’s not impossible. Take a look at these tips on how to help your business to gain valuable visibility.
We need a team of employees around us to help set up the business, achieve goals, and reach new heights. Take the time to hire the right people for your business who match your business’s culture and values. This dream team can be difficult to construct but get it right and you be able to take on the world.
A lot of businesses make the mistake of thinking that what they do or sell won’t translate online. They couldn’t be more wrong. It’s time to make what you do or sell visible online because that’s where your audience is. Leverage social media and your website to reach more people.
Your customers drive your business so it’s important not to lose sight of them and their needs. Be sure to address customer pain points and take on feedback so that your products and services adequately suit your audience.
For the right commercial insurance policy, contact our expert team at Abatelli Group, Inc. today. We serve Whitestone, Flushing, Bayside, Little Neck, and surrounding cities of New York with reliable coverage!