Do you own a property abuts a city property with diseased or damaged trees? Did you know it is your responsibility to tend to those trees as well as pay or any removal of such trees?  A recent Komo News story explains the importance of keeping a eye on these to ensure you’re not held liable for damage caused if those trees come toppling down.

Click the link below to learn more.

Jesse investigates a Seattle ordinance that could cost homeowners thousands

 

Wildfire Prevention in Renton, WAWildfires occur every year and summer season is also known as fire season. Each year millions of acres across the country are scorched by both nature as well as human caused fire. By knowing how to minimize losses, human caused fires can drastically decrease with the proper education. Use these simple steps.

Equipment or toys can spark a wildfire

Lawn mowers, weed-eaters, chain saws, welders, tractors, dirt bikes, and more can all cause sparks. Don’t mow dry grass or weeds. When you are maintaining your yard, avoid dry yard debris buildup.

If you are using a tractor, dirt bike or welder, avoid driving or using your welder near dry grass or brush.

Keeping your Home Safe from Wildfire Damage

Use fire-resistant building material for your home.

The roof and exterior surface need to be composed of non-combustible or fire resistant materials. This would include brick, stone, aluminum, tile, sheet iron, asphalt or slate. If your home is composed of wood or cedar, consider this a risk. Homes that are located in especially fire prone areas can escape damage by being entirely built of concrete and stone.

Maintain Your Roof

When your roof is filled with leaves, pine needles, branches, moss, you are increasing your risk for wildfire damage. Be sure to avoid letting these items collect on your roof.

Keep your Property Free of Dead Plants or Trees

Tree branches should be kept to a height of 15 feet.  Also, be sure tree branches aren’t near your chimney. If a branch is within 10 feet of the flue opening of the stove or chimney, remove it.

Keeping things like sheds and wood piles at least 30 feet away from your home helps reduce the chances of a fire jumping from one structure to the next.

It is important to understand the limits of your insurance policies as many natural disasters like floods or earthquakes require a special insurance policy while wildfires are generally covered under the comprehensive portion of a homeowner’s insurance policy. The price of the policy may be higher if you live in an area that is prone to yearly fires or if a fire station is far away.

If you have questions about your home, auto or renters insurance, call the insurance agents at Eastside Insurance Services in Renton, WA. They have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

Flood Insurance and Sewer Backup Insurance – Not the same thing.

Flood Insurance and Sewer Backup Coverage in Renton, WAFloods are the most devastating natural disaster in the United States each year causing billions in losses and displacing thousands. While flooding is a common concern for those near rivers and streams, all homes in the United States can be caught off-guard by floods. When it comes to flood insurance, it is important to understand what flood insurance is and what is covered. Many people think flood insurance is anything to do with water in their home. This is far from the truth. Floods are defined as surface water that enters your home from the outside – not to be confused with a leaky roof or a broken pipe, loose toilet or other plumbing related issue. Another issue altogether is sewer backup with may or may not be covered depending on what caused it to occur.

Let’s take a closer look at these policies:

Flood Insurance: Flood insurance covers your property and contents from damages that occur when water from outside the home enters the home. Beit a heavy rainstorm, a clogged drain in the street or even a hurricane that causes a tidal surge that backs up streams and rivers.

  • Cost: According to floodsmart.gov, the average flood insurance policy costs around $700 a year. Depending on your area and whether you’re in a flood prone area, your costs can be higher or lower.
  • What’s covered: The typical flood insurance policy will cover your building and the contents. Be sure to discuss contents coverage with your agent to ensure you have enough coverage. The price of the policy will be largely determined by how valuable your items are and how much coverage you need.
  • When to buy: Flood insurance requires a 30 day waiting period. The best time to buy a flood insurance policy is as soon as you decide you want it.

Water & Sewer Backup Coverage: Sewage backup insurance is not included with a standard homeowner’s insurance policy. Sewage backup occurs for many reasons, but ultimately, what is happening is there is a blockage that causes water to reverse course and push up into your sinks, bathtubs or other outlets. This can be a smelly, filthy event and one you want to be sure to discuss with your agent. Believe it or not, this is a somewhat common occurrence.

  • Cost: Cost always varies, but typically a sewer backup endorsement will run you under $100. Be sure to ask your agent about different policy options.
  • What’s covered: You purchase specific amounts of covers, such as $10,000 or $15,000. This helps cover the cost of cleaning the damage caused from the backup as well as replacing carpets, drywall, and even cleaning or replacing ducts.
  • When to buy: Water and sewage backup occurs everywhere. There is no real good indicator or when this event will occur, so protecting early is critical.

We understand insurance is confusing, so if you still have questions, feel free to call one of our licensed agents and ask to speak about flood or sewage backup coverage.

If you have questions, call the insurance agents at Eastside Insurance Services in Renton, WA. They have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.