Your Premium News - November 2018
How can you prepare your home for winter?
It is important to protect your home from potential damage over the winter months. Here are some great tips gathered by Insurance Hotline that can help you to avoid potential insurance claims in the future.
- Have your furnace professionally serviced. A routine maintenance check each autumn will help ensure your furnace is running properly and efficiently. Also, if you have an older thermostat, consider replacing it with a programmable one to save money on heating costs.
- Inspect all windows and doors for leaks. In order to prevent heat loss, make sure your windows and doors are properly sealed. Check the weather-stripping around windows and door frames, and replace where necessary. Also check for drafts and caulk both inside and out where necessary, to keep the heat in and the cold out.
- Sweep the chimney. Before you use your fireplace, make sure the chimney and vents are clean and in good condition by having your chimney looked at by a professional. This will help prevent chimney fires and carbon monoxide from building up and finding its way into your home.
- Clean out your gutters. It’s important your eaves are free of any debris such as leaves, dirt and sticks. Clogged gutters prevent the draining of rain and melting snow which could result in household leaks. Also, make sure your downspouts extend away from your house by at least five feet to ensure that water runs away from your house and not towards it.
- Inspect the roof. While cleaning your eaves, inspect your roof for any missing, loose or damaged shingles. If your roof needs attention call a roofer to help you with the repairs or maintenance. Also ask them to look at the caulking around the chimney and air vents.
- Turn off any faucets outside. Water left undrained can freeze, which can cause the pipes to burst. Disconnect your garden house and drain the remaining water.
- Trim your bushes and trees. Make sure any overgrown bushes or trees are trimmed back away from your house and electrical wires. This will help decrease your risk of property damage and power problems.
- Pad exposed pipes in unheated areas. This is an easy and inexpensive method to help prevent water damage resulting from a frozen pipe. Even the smallest of pipes can cause a lot of damage. Pipes in the basement, attic or crawl space are some examples of pipes you may want to cover.
Okay I’ve bought CAA Travel Insurance and I need to make a claim during my trip...what do I do?
You’ve planned the perfect holiday and suddenly you fall ill, or maybe your luggage has gone missing...we understand that these situations are never enjoyable, but that’s why you’ve bought travel insurance, for those ‘just in case’ situations. Travel medical insurance provides coverage in the event of an unexpected medical emergency, while Trip Cancellation & Interruption insurance will provide coverage in the event of an unexpected interruption or delay or the need to cancel travel plans before your trip. If you need to make a claim, our best advice would be to call the number on your insurance card as soon as possible to begin the claims process. We understand that if you are in an emergency situation in the hospital, this might not always be available to you. To aid in a smooth claims process, we suggest that your travel companion calls on your behalf, or that you call as soon as you are physically able to. By calling the number as soon as possible, we can also provide assistance from providing recommendations on where to locate a hospital to offering multilingual interpreters who can communicate with physicians and hospitals. We want to be there to help you in any way we can.
Your paperwork from CAA Travel Insurance can be sent to you via email or mailed to your home. You can choose to complete the paperwork at destination or upon your return. You may have out-of-pocket expenses such as prescriptions, travel companion benefits like taxi fare or accommodations while you were hospitalized. You will need to attach original receipts for the claim. Carefully fill out the paperwork and if you would like help, CAA Associates are available and happy to assist you as you complete the form.
Call us at 204-262-6000 for a travel insurance quote or get a quote online.