Home Project Snowballs

A true story from the life of an agent on staff:

We were looking forward to replacing our exterior door and because it seemed manageable, planned on doing it ourselves.  In retrospect, it was probably a mistake.  My husband removed the door frame including the threshold and we found what we believe are termites and carpenter ants along with the damaged sill and other areas.  At least it seems to be isolated to that small area.   He tore out the affected areas and sprayed with the old toxic chemicals that were on hand.  We made multiple trips to Lowe’s and Home Depot to pick up supplies and more spray to treat the affected areas.  We’re not done yet and as it turns out, we’re replacing the deck now instead of next year so that he has easier access to replace the damaged area.  Unfortunately, our homeowners policy won’t step in either, as there are exclusions for insect damage, wear and tear, deterioration, and other damages that happen over time. 

If you’re more inclined to hire a carpenter than try this kind of project yourself, be sure to ask for a certificate of insurance, showing they have liability and workers compensation insurance.     This should be a minimum “legitimacy” level for any contractor, and is one good way to separate the pros from the amateurs!  For a project like ours, we should have found a pro!

Keep in mind that insect damage is not usually covered under a Homeowners policy:
“Additional Exclusions”. We do not cover, with respect to any property, any loss resulting from, caused by, contributed
to, or aggravated by any of the following:

  1. Wear and tear, marring, or deterioration;
  2. Inherent vice, latent defect, or mechanical breakdown;
  3. Rust or other corrosion, mold, or wet or dry rot;
  4. Contamination, smog, or smoke from agricultural or industrial operations, including smudging;
  5. Settling, shrinking, bulging, or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs, ceilings, fences, swimming pools, retaining walls, or bulkheads, whether resulting from growth of vegetation or otherwise;
  6. Birds, vermin, animals, rodents, or insects, except that this exclusion does not apply to collapse under Coverages A and B, under which we do not cover loss involving collapse resulting from detectable decay or detectable damage by birds, vermin, animals, rodents, or insects, and that any ensuing loss resulting directly from a Peril Insured Against to property described in Coverages A and B is covered.

 

For more insurance information, as well as topical and relevant resources. Visit our website or recieve an online quote.

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Simple Stuff, Insurance, and Other Things that are not Synonymous

A brief introduction; my name is Corbin, and I’ve been a social media engineer for Andrew G. Gordon, Inc. for the past 2 months. I’m about to enter my senior year of high school, and insurance is not an entity I’ve had any sort of contact with prior to this job. However, seeing as a succinct job summary of my position would be “gracing the internet with insurance information”, I’ve been exposed to a veritable hailstorm of news, literature, and media all relating to insurance. Poor metaphors aside, I have been able to catch a glimpse into the insurance world, and I’ve managed to cement a few rational impressions about insurance that I might as well share with the internet.

Impression the First:

INSURANCE IS COMPLICATED. Why did I exert the energy to depress the caps-lock key (twice!) in the previous sentence? Because it’s super important. Perhaps there was once a day when cavemen and wooly mammoths nonchalantly shot the breeze about easy to understand coverage and liability policies, but that age is now far in the past. The fact is that insurance is a very complicated entity to deal with, and it has to be, considering the services it must provide. So before you embark on an insurance venture, find good insurance information (trust me, it’s out there) and arm yourself. With some research, you will be an insurance wizard in no time. On an unrelated note, if you are at the point where you are searching for insurance information and stumbled upon this blog, I would like to extend to you the chance to view our website’s “whiteboard talks”. These are educational videos about insurance created for the benefit of humankind, and you can click here to take advantage of them.

Impression the Second:

The insurance industry is not an evil machine out to harm you. Despite this common misconception, every experience I’ve had working at A.G. Gordon, Inc. suggests to me that insurance companies make every effort to make the customer experience a good one. I’ve seen many examples of healthy insurance relationships, business and personal. Despite the generally formidable “street rep” of insurance companies, if you find a good agency, both insurer and policy-holder will be playing for the same team.

Impression the Third:

Understand your coverage. While this is loosely tied to impression the first, I feel it holds enough significance to earn its own paragraph. As I post blogs and summarize articles about insurance, I notice that there are fairly common issues that most people aren’t aware of. Did you know that if a dwelling in MA is left unoccupied for 60 days, the building is considered vacant and fire coverage is cancelled? I didn’t, which isn’t shocking, but neither did my parents, and we’ve moved over 10 times in the course of my childhood, often leaving vacant homes in our wake. How about that rust or other corrosion, mold, or wet or dry rot damage is not usually covered in homeowner’s policies? By taking time to do some policy research, you could save yourself some headaches down the road. And if you are currently a homeowner, I would advise you look at our homeowner’s checklist, a goldmine of good information.

And for topical and relevant insurance information and risk-management solutions, visit us at our website.

Swimming Pool rules

A swimming pool can provide a refreshing respite from this summer’s heat, but be aware that it can also be a source of liability.   Be sure to comply with your town’s requirements for securing your pool – fencing, locks, etc.   Just a bit of caution can result in peace of mind, as well as safety for your family and guests.
And whether you have a pool or not, look to Gordon Insurance for being sure you have enough liability coverage in your home insurance in case there’s an accident at your home.