Understanding Z-Wave Technology
Z-Wave Technology is considered a mesh networking technology. It was developed in 1999 for the purpose of creating a standard for communication of home devices via wireless radio frequency. This new technology has a major advantage over older home security systems. Since it is constructed similarly to extremely reliable computer network protocols, it offers a much more elite level of protection. Z-Wave technology also serves as a signal repeater by re-broadcasting signals to a network’s additional devices.

While these revolutionary products are purchased separately from garage door openers, locks and dimming switches, one major security company has introduced the technology into its most recent home security system products. In addition to offering the basic home security functions, this system offers many more advantages, which include light control, climate control and video surveillance. This latest technology development also features remote access to the system’s controls and cameras via a computer at work, a laptop, smart phone, tablet computer, netbook or any other compatible device with access to the Internet.

Reasons To Install Z-Wave
Since millions of property crimes occur each year in the United States, it’s important to have a way to help put criminals behind bars. In some cases, indication of a home security system with stickers is enough to deter most criminals. With a burglary occurring every few seconds somewhere in the country, nobody should assume that their property is safe or that this couldn’t happen to them. It’s crucial to have a system offering technology features that surpass the capabilities of criminals. For example, a burglar may simply clip the cords on an outdated system. With the technology of the newest wireless systems, even clipped cords won’t let the criminal get away with their plans. The system will still send electronic notifications to the monitoring company, homeowner and law enforcement if the power cords are cut. Z-Wave’s remote monitoring features give families additional peace of mind that they can know what is happening on their property while they’re miles away from home.

In addition to providing superb protection for an empty house, these systems are also great for parents who want to monitor children, pets or individuals providing child care in the home. These systems not only let parents know that their children are home but they are also capable of monitoring television and computer usage. The system has the ability to control access to locked closets, cabinets or other areas of the house that are forbidden to children. In a world where crimes are high and perils threaten homes, it’s important to have a good plan to avoid being the victim of theft, fire or any other unwanted incidents. To learn about additional advantages and how to get one of these systems, discuss available options with an agent. 

Protecting a Home from Mold

It’s important to have a plan and routine in order to protect a home from mold. This involves constantly looking for watermarks on ceilings or walls, signs of mold growth and musty smells. If mold is caught early enough, it can be removed with a simple cleaning solution of bleach and water. However, preventing mold from growing again requires that the source of moisture be eliminated. The area where the mold started growing must also be dried properly. In some cases, the surface or area may simply need to be replaced. After cleaning the mold and attacking the source, be sure to place all rags, clothing, materials, paper and other debris affected in a plastic bag to be thrown in the garbage.

Mold is similar to insect infestations and rot in the respect that it is usually not covered under a homeowners insurance policy. Standard policies afford coverage for sudden or accidental disasters. However, they don’t offer coverage for cleaning or maintaining a home. If the mold is a direct result of a burst pipe or other covered peril, the insurance company may cover the cost to eliminate the mold.

Since mold is also dangerous, it’s important to tackle the problem immediately if it arises. Mold can cause family members in the home to become sick. Symptoms are usually similar to allergic reactions or hay fever. The best way to avoid all of these problems is to take steps to prevent mold. The following steps can be taken to prevent mold from growing.

Reduce Humidity Level
It’s best to keep the humidity level between 30 percent and 60 percent by utilizing dehumidifiers and air conditioners. Be sure to place exhaust fans in all bathrooms and kitchens. If carpet is desired, avoid installing it in bathrooms or kitchens. It’s best to have carpet only in rooms that aren’t exposed to moisture on a regular basis. Another important thing to remember is to avoid letting water pool and collect under house plants.

Check & Replace Hoses
Be sure to regularly inspect pipes, fittings and hoses. It’s best to replace hoses to appliances that use water every five years. At about $5 or $10 per piece, the cost of replacing hoses is much less expensive than dealing with a major mold problem.

Use Mold-Reducing Products
Clean all bathrooms in the home with bleach and water regularly. There are also several other cleaning products available that are designed to kill mold. It’s a good idea to add mold inhibitors to paint before applying it to the walls or doors.

Exercise Caution After Water Damage
If at any time a large amount of water comes into contact with the home’s interior, it’s important to ensure that carpets, upholstery and any other surfaces that hold water are dried thoroughly and promptly. Everything should completely dry within 24 to 48 hours following the initial water contact. Items that can’t be dried should be discarded. If there is standing water, remove it promptly. In addition to promoting mold growth, standing water is a prime breeding ground for microorganisms. After all areas have been dried, wash and disinfect them well. This includes the surfaces of appliances, closets, walls, shelves, floors, heating systems and cooling systems.

Check The Roof & Gutters
Another way to prevent mold is to check the roof and gutters frequently. Clear the gutters of any debris. If there are any leaks in the roof, have them repaired immediately to avoid water seeping into the home.

While mold is problematic, it can be prevented with proper care. For any questions about mold and the specific terms of an individual homeowners insurance policy, contact an agent.

Composition Shingles
These are a good selection for buyers who want an affordable roof that looks clean. There are also high-quality versions available that are constructed from fiberglass or asphalt, which are more durable. Composition shingles come in many brands, colors and types. The major advantages they hold include the following:

•Adjust well to different applications
•Can be nailed over an existing roof
•Easy to install
•Low maintenance
•Some brands may feature Class A fire protection.

However, there are a few disadvantages to consider:

•May blow off in strong winds
•Material is prone to scarring while hot
•Does not have the same aesthetic dimensional appeal as tile or shakes

Clay Tile
This tile is a good choice for Spanish, Southwestern or Italian styles of homes. Some of the biggest advantages they offer include the following:

•Durable
•Long lifespan
•Will not burn or rot
•Resistant to insect damage
•Low maintenance

There are several disadvantages of clay tile. One of the biggest is its weight. This means that additional roof support is often required to hold the tile. The following are also disadvantages:

•Color fades over time
•Difficult to perform roof maintenance that requires walking on fragile tiles
•Difficult to install
•Expensive

Wood Shakes
This natural look is unique because shakes can be different widths, colors, thicknesses or cuts. The main advantages include the following:

•Helps insulate an attic
•Allows home to breath

Since they are wood, there are also several risks and disadvantages to consider. The following are the most important considerations:

•Many are unrated by fire safety codes
•Many manufacturers use spray or wipe fire retardants
•Difficult to install
•Lifespan maintenance cost may be high
•Old shakes cannot be recycled
•Prone to insect infestations

Concrete Tile
Some of these tiles are coated with other materials. Plastics, thin metals, enamels and various recycled materials are some examples. The following are advantages of concrete tiles:

•Long lifespan
•Low maintenance
•Good fire resistance
•Resistant to insects and rot
•Durable

The following are disadvantages of concrete tiles:

•More expensive than similar materials
•May be prone to breaking, curling or changing color

Slate
This material is often seen on upscale homes. While it may be expensive, it offers a natural look. The following are some advantages of slate:

•Long lifespan
•Good fire protection
•Resistant to insects and rot
•Low maintenance
•Wide selection of sizes and natural colors

The following are disadvantages of slate:

•Can be heavy enough to require extra support
•Breakable enough to making walking on it not recommended

Metal Roofs
These roofs were popular in the 1700s, and they are making a comeback today. One advantage people like about them is that they can be designed to look like other types of roofing. The following are the main advantages:

•Durable
•Energy efficient
•Fire resistant
•Very low maintenance
•Made from up to 65 percent recycled material
•Some types can be installed over an existing roof

The following are disadvantages:

•Difficult to install
•Expensive
•May not be as efficient as other roofing materials

Hot Mop
This is installed on flat roofs. It is not very attractive, so most people cover it with decorative stones. It can only be installed on roofs with proper drainage devices intact. While it is inexpensive, it poses several health risks because of dangerous substances in its material composition.

How many cars valued at greater than $10,000 travel the highways? How many trucks carrying cargo are worth more than $10,000? $50,000? $100,000?

According to the 2010 census, the median family net worth exceeded $200,000. That amount includes houses, cars, savings, retirement funds, cash in the bank, college savings, and furniture and personal effects. Half the families are worth more, half have assets less than $200,000; all of it is hard earned.

If the family is underinsured for liability, their net worth is vulnerable to be seized in a lawsuit based on injuries or property damage caused by any family member driving a vehicle. The car owner and the car driver become parties to the suit.

Bodily injuries sustained in car wrecks devastate lives. People unable to work, the high cost of medical treatment, rehabilitation expenses, and the pain and suffering can only be compensated with money. The money comes from the insurance company or the liable party’s personal wealth.

Not convinced you need higher limits? Bankruptcy options are available?

Not all liabilities are released in bankruptcy. Many states have specific legislation disallowing debt reduction for certain accidents, most notably driving while intoxicated. Wage plans reduce take home pay by as much as thirty three percent. Many employers do not tolerate either bankruptcy or wage garnishments.

Still not convinced? How about a selfish motivation?

Other drivers are either uninsured or underinsured. Most insurance companies will not provide uninsured motorist coverage in limits greater than the liability limits of the policy.

Uninsured and underinsured motorist coverage from your policy pays on behalf of the driver who hits you if they are poorly insured. In a classic exercise of the golden rule, insurance companies only sell limits commensurate with the protection you offer others.

Proper limits of liability allow you to protect yourself from the improper coverage other people maintain.

So how much coverage is enough? What are reasonable limits of liability?

Ask your insurance professional. And consider this:

Your assets are your excess insurance coverage. This means that when the limits of your policy are reached, your assets are at risk.Excess insurance – umbrella policy – is available in one million dollar layers over your automobile and homeowners’ liability limits if those limits qualify – are high enough.Protect yourself against underinsured drivers by increasing your uninsured motorist coverage.

Tree Roots Blocking Pipelines
Trees thrive on water, so their roots often gravitate toward cracks in sewer lines. While the growth starts with a few tiny roots penetrating the pipe, they eventually get thicker and expand. They often enter pipelines near the joints, which results in major blockages. Unfortunately, tree roots can eventually span the entire length of the pipe and cause a complete clog. If trees owned by the city are suspected of causing problems, contact their cleanup department immediately. They will often sample the roots to determine who is responsible for cleanup. In some situations, a combination of city trees and privately owned trees are to blame. When this happens, the city and the property owner must split the cost of cleanup and repairs.

Heavy Rains Clogging Storm Sewers
If a sanitary sewer or storm sewer is unable to contain the amount of rain falling, a backup may occur. Water typically enters the home through washtubs, toilets or sump wells in the basement. While damage is most common in the basement, it may occur anywhere in the home. To help avoid this problem, make sure there is a sump pump to drain the water and a generator that will run the pump if the power goes out.

Sanitary Main Blockages
Several types of blockages are possible in the sanitary main. Blockages result in sewage backing up into the home itself. Fortunately, this occurrence is gradual, so there is time to call a plumber before the house is overtaken with sewage. In some cases, there may be a rapid flow of water coming in through the basement. When this happens, it is important to call the city’s public works office immediately.

Each of these events can be very costly. Sewage and standing water can also be hazardous to human health. In addition to this, they destroy nearly every tangible object they meet in a home. A simple calculation of the cost of replacing damaged items and comparing it to the cost of insurance is enough to clarify the importance of adequate coverage. To learn how to obtain protection from sewer backups, discuss available options with an agent today.

Many people think that a homeowners insurance policy covers most types of lawsuits filed against them. For this reason, people are usually not as careful as they should be about preventing them. For example, consider a new homeowner who moves into a subdivision, replaces the existing fence with higher boards and paints them contrasting colors. If the subdivision has rules about the permissible colors and acceptable maximum height of fences, they will try to get the new homeowner to comply. Homeowners who refuse may find themselves facing a lawsuit for violating the subdivision’s code. The courts will likely favor the subdivision’s rules, and a homeowners policy will not provide coverage for the legal battle. Therefore, it is important to understand exactly what legal issues are covered under the policy.

Loud noises, eyesores and changes are all issues that do not physically harm another person. While they may be annoying, they are not issues that would be covered by a homeowners policy if they escalate into a lawsuit. Always remember that a homeowners policy offers protection for two types of liabilities, which are property damage and bodily injury. If the family dog bites someone on the property, a guest falls off a broken step or one of the kids breaks a visitor’s car window, a homeowners policy covers such issues.

Since coverage is limited to two types of physical damage, it is important to work as hard as possible to settle disputes with neighbors. For example, if neighbors complain about a barking dog, it may be best to enroll the dog in training or purchase a no-bark citronella collar. Trim overgrown shrubs or trees that neighbors may complain about. Many people get angry and frustrated when a neighbor makes accusations or complains. Anger is usually what causes people to be stubborn and refuse to compromise. Always listen to what neighbors have to say, and try to understand the situation from their perspective. Use common sense to arrive at a solution that is favorable to both parties. However, the best way to avoid anger and confrontation is to fix possible nuisances before neighbors complain. For additional information about avoiding problems and lawsuits with neighbors, discuss the issues with an agent.

Some insurers are beginning to offer specialized “alternative energy insurance” policies. For example, one company is writing policies to cover alternative energy system performance. This policy insures against the risk that a deficiency in the design of alternative energy technology will result in the under-performance of a facility. The company designed it to help owner-operators of facilities meet the needs of lenders concerned about their investments. Another company has broadened its coverage for commercial buildings to include alternative energy systems. It also will insure against loss of income when alternative energy systems suffer damage and extra expenses when the building owner must buy power from the grid while the system undergoes repair.

At least one insurer offers special coverage to encourage commercial building owners to replace destroyed buildings with new ones using green technology. It gives the property owner several green technology options, including:

• Non-toxic, low-odor paints and carpeting
• Energy-efficient electrical systems
• Interior lighting systems that meet independent energy efficiency standards
• Water-efficient plumbing systems
• Enhanced roofing and insulation materials to reduce heat loss.

Anticipating less severe and less frequent losses, the same company offers rate credits to green building owners. It has found that most losses in traditional buildings are from electrical fires, heating and air conditioning system fires, and plumbing leaks. The company expects green technology to make these events less likely.

Another insurer has introduced for commercial building owners a new policy that encourages green building. It features coverage for:

• The increased cost of green building alternatives
• The expense of re-engineering and re-certifying green buildings
• Vegetative roofs, and
• Additional time to restore operations so that building repairs can include green alternatives.

Insurers are also educating their clients about the implications of climate change. Recognizing that courts could hold businesses liable for future environmental damage, insurers have worked with corporate boards and officers to encourage planet-friendly business practices. Their hope is that actions taken now will reduce the number and size of future liability insurance claims.

While only a small number of insurers offer specialized policies for green construction now, the success of these products will encourage other companies to follow suit. Also, as green building technologies become widespread, the desire to attract and retain business will force insurers to compete with policies of their own. Insurance agents can identify companies that offer these coverages and make coverage recommendations to property owners.  As businesses and households everywhere take steps to reduce their carbon footprints, make certain that your insurance coverage is keeping up with those steps.

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The standard homeowner’s policy provides you with $100,000 liability coverage for bodily injury or property damage that you or your family members cause to other people. This coverage extends to both the cost of defending you in court and any judgments against you, up to the limit of your policy.

Another feature of the liability protection provided by your homeowner’s insurance is the no-fault medical coverage. This is designed to permit a person who is injured on your property to submit their medical bills directly to your insurance company, eliminating the need for a lawsuit. Most policies include between $1,000 to $5,000 worth of no-fault medical coverage.

Of course, we live in a society that loves any opportunity to sue, so it may be wise to add to your liability protection. As a first step you can increase the amount of liability coverage provided by your homeowner’s policy to $300,000 or $500,000. For additional protection, you need an umbrella or excess liability policy. This type of coverage typically costs between $200 to $350 per year for $1,000,000 of additional liability protection.

The Insurance Information Institute (I.I.I.) offers the following list of points you should consider about insuring your yard sale:

• One-Time Event – Yard sales that are one-time events for the sole purpose of selling unwanted personal items are usually covered under a standard homeowner’s policy. However, it is important to have enough coverage, so be sure to check with your insurance agent.
• Frequent Yard Sales – If you plan to have frequent yard sales, you should purchase a separate policy for business liability, or an in-home business policy.
• Charity Fund Raiser- If the purpose of the sale is to raise money for a charity; you will probably be covered under your homeowner’s insurance policy. But it’s also a good idea to contact the charity to see what type of insurance protection they can extend you.

Visit www.capitolbenefits.com for an insurance quote today.

In November 2005, Wausau Insurance commissioned Boston-based Atlantic Research & Consulting to poll two hundred risk managers, chief financial officers and other executives responsible for purchasing coverage. The researchers found that 89 percent of the firms realizing a savings through integration cut the overall cost of their risk management program by a minimum of 4 percent.Approximately 35 percent realized savings of 7 to 10 percent. The most significant gain stemmed from combining workers’ compensation and general liability under one carrier.

Eighty-one percent of the financial executives surveyed stated they saved a minimum of $1 in lost productivity expenses for every $1 they saved by reducing workers’ compensation claim costs.  This is an increase from last year in which 70% reported such savings.

Seventy-five percent of those polled said they save at least $1 in lost productivity expenses for each $1 saved by reducing expenses for general liability, property and commercial auto lines claims. This is up from 60% who indicated such savings last year.

The majority of respondents noted that they saved a minimum of $2 in lost productivity expenses for every $1 saved by reducing claim costs across all four lines of coverage. Additionally, for second consecutive year respondents indicated slightly higher lost productivity savings from workers’ compensation than from the other three lines of coverage.

Some of the other findings the survey uncovered included:

-Mid-sized companies with more than 500 employees reported much larger productivity savings by reducing claim costs across all lines than companies with 100-500 employees.

-General liability and property along with workers’ compensation and general liability were indicated as the two coverage pairings most likely to display the greatest efficiency when combined with one carrier.

-Approximately 70 percent of those surveyed indicated their company had integrated multiple lines of insurance with one commercial carrier. This is a decline from the previous year, when 89 percent said they integrated multiple lines with one insurer.

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Unfortunately, if he has a typical homeowner’s insurance policy, the answer is probably no. This policy pays amounts for which the policyholder (the insured) is legally liable, plus the costs of legal defense, for bodily injury or property damage done to someone else. The policy defines bodily injury as meaning bodily harm, sickness or disease; it defines property damage as injury to, destruction of, or loss of use of physical property. Neither of these definitions includes saying or publishing something that injures another’s reputation or feelings. Consequently, the policy is unlikely to cover a blog post. For example, if Joe writes in his blog that Bob sleeps with a teddy bear, and Bob sues him for invading his privacy, the homeowner’s insurance will not pay for Joe’s legal defense or for any judgment against him, because Bob suffered neither bodily injury nor property damage.

Insurance companies may offer special personal injury coverage that they can add to homeowner’s policies. This coverage pays for the insured’s liability for several offenses, including oral or written publication of material that violates someone’s privacy, and oral or written publication of material that disparages someone’s goods or services. For example, imagine that Joe writes in his blog that the meatloaf at Bob’s Diner tastes like gravy-covered roadkill. Bob suffers an immediate loss of business, and he sues Joe for libel. The court awards Bob $200,000. If Joe has personal injury coverage, his insurance will pay for his lawyers and the $200,000 judgment (or his limit of insurance, whichever is less.)

Another potential source of coverage is a personal umbrella policy. An umbrella provides additional insurance in situations where a loss has used up the amounts of liability insurance under homeowner’s or auto policies. It also covers some liability losses that those policies do not cover, such as personal injury losses. Umbrellas typically carry a deductible of $250 or $500. In the previous example, if Joe does not have personal injury coverage with his homeowner’s policy, but he does have an umbrella, the umbrella will pay for his defense and $199,750 of the judgment ($200,000 minus the $250 deductible.) If he does have the coverage on his homeowner’s policy, and the court awards Bob $1,000,000, the homeowner’s policy will pay until its limits of insurance are used up, and the umbrella will pay the rest.

Blogs are fun and interesting, and they can be informative. However, in a litigious society, it is very possible that something posted in a blog can result in a lawsuit against the writer. Everyone who writes a blog should consider that possibility and think about buying some extra insurance.

Visit www.capitolbenefits.com for an insurance quote today.

Research proves there is no reason for employers to adopt such a rosy outlook. According to November 2005 figures from Jury Verdict Research, the average compensatory jury award for employment practices liability lawsuits has risen by an annual average of almost 5 percent. The average amount for these awards in 1998 was $164,200, which rose to $218,133 in 2004. A significant factor in this trend has been the U.S. Equal Employment Opportunity Commission’s aggressive approach in prosecuting offenders. The agency obtained an unprecedented $168.1 million in awards in 2004.

Jury Verdict Research went on to note that since 1998 the most frequently targeted businesses are retail and service companies. Although these lawsuits outnumbered those brought against manufacturing and industrial companies by more than three to one, the average awards against manufacturing and industrial companies were far higher. Awards in manufacturing and industrial company suits averaged $250,000, as compared with $137,853 for retail and service companies.

With statistics such as these, why would any business risk liability when it comes to employment practices? Specialty insurer Beazley commissioned research to find the answer to that question. What they discovered was that many small and mid-sized businesses have developed a sense of prosecutorial immunity from the media’s bias toward reporting only awards against Fortune 500 corporations. This reinforces the impression that EPL claims are only a problem for large companies that maintain public visibility.

What should a small company do to protect itself from EPL claims? Start by reducing your exposure with a comprehensive employment practices program. Your program should not only spell out company policy, but must be specific in terms of the consequences for violating that policy. The next step you need to undertake is to protect your company’s financial assets. You can transfer this risk by purchasing Employment Practices Liability Insurance. While sound employment practices and well-trained managers can help reduce the risk of EPL suits, if an employee feels they have been unfairly treated, they can take legal action at the drop of a hat. For this reason you should consider the financial protection an EPLI policy provides.

Visit www.capitolbenefits.com for an insurance quote today.