Home Insurance. Thursday , March 01st , 2018 - 16:14:09 PM
If you live in an area or state that is at a higher risk for wildfires, it’s important to make sure that your home inventory is kept up to date, and is stored in a safe location-consider keeping a copy in a secure digital location “in the cloud” so that even if your computer or laptop are damaged, you’ll still be able to access a copy. A safe deposit box or a fire-resistant safe are two options for physical copies.
Loretta Worters, a spokeswoman for the Insurance Information Institute, a trade group, said some insurers include the dollar value of the deductible, along with the applicable percentage, to eliminate confusion. A hurricane deductible is distinct from the deductible for other sorts of damage to the home and usually goes into effect when a storm is categorized as a hurricane by the National Weather Service — or, in some cases, when a storm is named, even if doesn’t become a hurricane. (Some policies have separate windstorm deductibles that apply even for unnamed storms.)
The control panel is used to arm and disarm the system. If the system is armed and one of the circuits on the window or door sensors is interrupted, an alarm sounds. If it is a professionally monitored system, that alarm also notifies the alarm company that there has been a breach. The alarm company then follows a set of procedures, including contacting the homeowner or emergency contact to make sure it is not a false alarm, and then the authorities (fire or police) are called.
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