insurance

Portable electric heater safety tips

Paul Davis Restoration of Union & Essex Counties, a leading provider of fire and water damage clean up and restoration services, provides consumers with safety tips when using portable electric heaters also known as space heaters in cold weather months. The U.S. Consumer Product Safety Commission (CPSC) and the United States Fire Administration (USFA) estimates these types of heaters are involved in thousands of fires each year resulting in deaths, injuries and millions of dollars in property loss.

Paul Davis offers the following tips to help prevent fires from space heaters:

  • Never operate a heater you suspect is damaged: Before use, inspect the heater, cord, and plug for possible damage. Follow all operation and maintenance instructions.
  • To see if your electric heater has been recalled: Visit www.cpsc.org.
  • Never leave the heater operating while unattended, or while you are sleeping.
  • Keep combustible material such as beds, sofas, curtains, papers, and clothes at least three feet from the front, sides, and rear of the heater.
  • Be sure the heater plug fits tightly into the wall outlet. If not, do not use the outlet to power the heater.
  • During use, check frequently to determine if the heater plug or cord, wall outlet, or faceplate is hot. If the plug, outlet, or faceplate is hot, discontinue use of the heater.
  • Have a qualified electrician check and/or replace the plug or faulty wall outlet(s). If the cord is hot, disconnect the heater and have it inspected/repaired by an authorized repair person.
  • Never power the heater with an extension cord or power strip.
  • Insure that the heater is placed on a stable, level surface, and located where it will not be knocked over.
  • When purchasing a heater, ask the salesperson whether the heater has been safety-certified. A certified heater will have a safety certification mark.
  • Never run the heater’s cord under rugs or carpeting. This can damage the cord, causing it and nearby objects to burn.
  • To prevent electrical shocks and electrocutions, always keep electric heaters away from water, and never touch an electric heater if you are wet. In case of fire or emergency property damage, contact a licensed, professional fire damage clean up and restoration company.

###

 

Paul Davis is a leading provider of fire, water and mold damage restoration and reconstruction services for residential and commercial properties. Local office owners nationwide are properly licensed individuals with certifications from leading industry organizations like The Institute of Inspection, Cleaning and Restoration Certification (IICRC). Founded in 1966, Paul Davis has restoration, remodeling and emergency services franchise office locations throughout the US and Canada. Visit the local office website at http://union-and-essex-counties.pauldavis.com.

Do you use your property as an AirBnB? If so you need to read this!

The home and condo rental market is booming, and peer-to-peer leasing is leading the charge.

With the rise of the home sharing economy and online services such as Airbnb, HomeAway, and FlipKey, it is easier than ever for home and condo owners to earn rental income and for "guests" to land accommodations that fit their needs and budgets.   

While home (and room) sharing can be lucrative for homeowners, it exacerbates the typical homeowners risks. Recognizing this, Lexington Insurance Company has introduced the latest in its series of enhancements to their LexElite® Homeowners Insurance: LexShareSM HOME Rental Coverage (LexShare HOME).  This is explicitly designed to respond as the sharing economy reshapes the home and condo rental market. LexShare HOME extends homeowners protection expressly where short- and long-term landlords need it - providing coverage certainty with an expanded definition of "residence premises" and raising the roof on protection for losses from property damage, theft, and more.   


Here are some of the things we can offer you: 

• A broad definition of "residence premises" that eliminates any grey areas in coverage for primary and secondary rental properties, and expressly encompasses both short- and long-term rentals regardless of whether they are secured through online peer-to-peer websites or traditional real estate brokers. 

• Protection for rental of other structures on the "residence premises," such as a converted garage apartment. 

• Increased coverage for damage to landlord's furnishings, including appliances, carpeting, and other household furnishings, in each apartment on a "residence premises."  

• Enhanced protection for personal property, tripling - or more - the standard Special Limits of Liability in key areas. For example, LexShare HOME provides limits of $10,000 on watercraft of varying types; $5,000 for loss by theft of jewelry, watches, precious, and semiprecious stones; $7,500 for loss by theft of silverware, goldware, platinumware, and firearms; $7,500 on property used primarily for "business" purposes; and $4,500 on trailers or semitrailers as well as $4,500 on certain electronic apparatus and accessories. 

• Coverage for theft of personal property from that part of a "residence premises" rented to others. 

• $100,000 Watercraft Liability coverage for certain watercraft rented to others, such as jet skis, small sailboats and powerboats, canoes, kayaks, and rowboats. Standard homeowners policies provide no coverage whatsoever for watercraft rented to others. 

• Express coverage for tenant-caused damage to trees, shrubs, plants or lawns on primary and secondary rental properties. 

Contact our office for more information and to obtain a quote.  There is nothing worse than being told that your loss could have been covered if you had purchased the proper coverage. Consult your agent today to find out what you need.