1 00:00:01,240 --> 00:00:03,040 Speaker 1: All right, back at it we go before we get 2 00:00:03,080 --> 00:00:06,000 Speaker 1: to Beth Harper or I just want to kind of 3 00:00:06,000 --> 00:00:08,760 Speaker 1: reiterate a little something with that frozen pipe, because we 4 00:00:08,880 --> 00:00:15,560 Speaker 1: got short changed on time. If the obviously if it's 5 00:00:15,560 --> 00:00:18,880 Speaker 1: an outdoor faucet, it's inside the garage, and it just 6 00:00:18,960 --> 00:00:22,840 Speaker 1: trickled water and then it stopped, and he was wondering 7 00:00:22,920 --> 00:00:26,880 Speaker 1: whether it's the faucet that was frozen or jammed with 8 00:00:26,960 --> 00:00:30,680 Speaker 1: the stem, or whether the pipe had ice in it. 9 00:00:31,440 --> 00:00:33,760 Speaker 1: He said he put a space heater near that, and 10 00:00:33,840 --> 00:00:37,760 Speaker 1: if it were the faucet at that point and the 11 00:00:37,920 --> 00:00:41,720 Speaker 1: valve was opened, it probably would have started dripping. My 12 00:00:41,840 --> 00:00:45,680 Speaker 1: guess is it is the pipe that is frozen, and 13 00:00:45,720 --> 00:00:49,839 Speaker 1: the only way you're really going to take care of 14 00:00:49,880 --> 00:00:53,560 Speaker 1: that problem is introduce heat. Now that pipe's inside the wall. 15 00:00:54,120 --> 00:00:57,640 Speaker 1: Hopefully there's just shut off valve on knee where you 16 00:00:57,680 --> 00:01:00,440 Speaker 1: could shut off the waterline or the water going to 17 00:01:00,720 --> 00:01:03,680 Speaker 1: that particular faucet, But then somehow you're going to have 18 00:01:03,720 --> 00:01:07,319 Speaker 1: to introduce heat inside it. Well, even if just a 19 00:01:07,360 --> 00:01:10,440 Speaker 1: little bit of an opening cut above that faucet and 20 00:01:10,520 --> 00:01:13,720 Speaker 1: a hair dryer put in there where you would kind 21 00:01:13,720 --> 00:01:15,800 Speaker 1: of warm that up. So I did want to just 22 00:01:15,840 --> 00:01:19,160 Speaker 1: make sure we finished answer and that so Beth Harper's 23 00:01:19,160 --> 00:01:22,800 Speaker 1: with us and she is an insurance broker and speaking 24 00:01:22,880 --> 00:01:27,800 Speaker 1: of frozen pipes, that might be a claim down the road. Beth, welcome, 25 00:01:27,840 --> 00:01:28,360 Speaker 1: how are you. 26 00:01:29,959 --> 00:01:33,360 Speaker 2: I'm wonderful, Gary. I hear you're doing awfully well as well. 27 00:01:33,720 --> 00:01:37,520 Speaker 1: I'm trying trying my best, trying my best. It was 28 00:01:37,560 --> 00:01:40,920 Speaker 1: funny I wrote you a couple of days ago and said, hey, 29 00:01:40,959 --> 00:01:43,679 Speaker 1: you want to jump on. I've been reading different things 30 00:01:43,760 --> 00:01:48,440 Speaker 1: about roofing and new hail requirements, and I know last 31 00:01:48,440 --> 00:01:52,080 Speaker 1: time we talked about you said insurance coverage on roofs 32 00:01:52,160 --> 00:01:54,440 Speaker 1: is really changing. So I just kind of wanted to 33 00:01:55,400 --> 00:01:58,160 Speaker 1: tap in and what are you hearing? What are you 34 00:01:58,320 --> 00:02:02,840 Speaker 1: seeing when it comes to roofing claims and what can 35 00:02:02,880 --> 00:02:06,320 Speaker 1: people expect and should they be asking questions, etc. 36 00:02:08,520 --> 00:02:11,360 Speaker 2: They should always ask questions. And what I'd like to 37 00:02:11,360 --> 00:02:13,959 Speaker 2: say is if every one of your listeners, I don't 38 00:02:14,000 --> 00:02:16,720 Speaker 2: expect any of them to ever have issues with insurance 39 00:02:16,760 --> 00:02:20,040 Speaker 2: claims because what you do is what a home owner 40 00:02:20,120 --> 00:02:24,000 Speaker 2: needs to do to protect their most important and expensive asset. 41 00:02:24,360 --> 00:02:27,560 Speaker 2: Just walk around, look around. If you're in the spring, summer, 42 00:02:27,600 --> 00:02:30,600 Speaker 2: fall and you look around the outside of your house 43 00:02:30,639 --> 00:02:34,120 Speaker 2: and it looks like somebody is dribbling kitty litter around it. Garry, 44 00:02:34,200 --> 00:02:35,600 Speaker 2: you know it's not kitty litter. 45 00:02:35,440 --> 00:02:36,120 Speaker 1: Is it? 46 00:02:35,919 --> 00:02:39,960 Speaker 2: Oh, it's all the asphalt shingles coming off all that grit. 47 00:02:41,040 --> 00:02:43,760 Speaker 2: That is your first sign is a homeowner that not 48 00:02:44,240 --> 00:02:46,520 Speaker 2: as well. Nothing is well with your roof. You need 49 00:02:46,600 --> 00:02:48,800 Speaker 2: to get a professional up there and check it out. 50 00:02:49,200 --> 00:02:53,359 Speaker 2: I always recommend always before all my clients when they 51 00:02:53,400 --> 00:02:55,480 Speaker 2: call me with a claim, I say, did you have 52 00:02:55,560 --> 00:03:00,560 Speaker 2: an estimate? What did they say? Is the problem? That 53 00:03:00,760 --> 00:03:06,080 Speaker 2: is very crucial. I'll quick stories, real quick stories. Contractors 54 00:03:06,160 --> 00:03:08,600 Speaker 2: now know that there is a limited loss settlement on 55 00:03:08,720 --> 00:03:11,840 Speaker 2: the majority of the carry lookers out there, meaning for 56 00:03:12,000 --> 00:03:16,639 Speaker 2: traditional asphalt roof at ten years, it's now actual cash value, 57 00:03:16,639 --> 00:03:20,320 Speaker 2: which is depreciation unless you're deductible, and you also lose 58 00:03:20,360 --> 00:03:24,320 Speaker 2: your cosmetic matching coverage. That endorsement will be removed from 59 00:03:24,360 --> 00:03:27,720 Speaker 2: your policy at that time. Now, since contractors know that 60 00:03:28,600 --> 00:03:32,320 Speaker 2: they want to help you get a new roof, the 61 00:03:32,440 --> 00:03:37,000 Speaker 2: problem with that is they don't know your policy. And 62 00:03:37,760 --> 00:03:41,440 Speaker 2: back in September I had two back to back claims 63 00:03:41,840 --> 00:03:45,080 Speaker 2: and both of them were done by a contractor that 64 00:03:45,200 --> 00:03:50,120 Speaker 2: gave an exact date of damage. Okay, that may be correct, 65 00:03:50,120 --> 00:03:52,920 Speaker 2: but I will tell you right now your claim sudjuster 66 00:03:53,120 --> 00:03:56,840 Speaker 2: knows your policy inside it out, and they have access 67 00:03:56,920 --> 00:04:00,960 Speaker 2: to more weather information than a contractor ever will. One 68 00:04:00,960 --> 00:04:03,600 Speaker 2: of the things that happened and the claim was denied 69 00:04:04,200 --> 00:04:08,040 Speaker 2: is because it was outside of a year. So this 70 00:04:08,120 --> 00:04:11,600 Speaker 2: claim supposedly happened. I'm going to make dates up just 71 00:04:11,760 --> 00:04:15,520 Speaker 2: protect in case they're listening. Say the claim happened May 72 00:04:15,600 --> 00:04:20,560 Speaker 2: fifth of twenty twenty four. The policy year is let's 73 00:04:20,600 --> 00:04:24,200 Speaker 2: just say August to August, and you put a claim 74 00:04:24,240 --> 00:04:28,040 Speaker 2: in for May in twenty twenty or I'm sorry, in 75 00:04:28,160 --> 00:04:31,680 Speaker 2: July of twenty twenty five. You're outside the year. There 76 00:04:31,760 --> 00:04:35,680 Speaker 2: is no coverage. And so that actually happened because that's 77 00:04:35,720 --> 00:04:38,440 Speaker 2: when the contractor picked a date. I talked to this 78 00:04:38,520 --> 00:04:41,599 Speaker 2: person in depth and there said, well, yeah, my roof 79 00:04:41,720 --> 00:04:44,680 Speaker 2: is bad, there's lots of damage up there. I need 80 00:04:44,720 --> 00:04:49,880 Speaker 2: it replaced. Why won't my insurance company replace it? Very sad. 81 00:04:50,080 --> 00:04:54,120 Speaker 2: So the idea here is, if you have a contractor 82 00:04:54,240 --> 00:04:56,960 Speaker 2: telling you you have damage, don't let them. Don't make 83 00:04:57,040 --> 00:04:59,960 Speaker 2: up a date. Nobody unless you went out and meet 84 00:05:00,320 --> 00:05:03,960 Speaker 2: after a storm or something happened immediately after a storm, 85 00:05:04,000 --> 00:05:07,599 Speaker 2: and you know it. You don't know, You really don't 86 00:05:07,640 --> 00:05:10,760 Speaker 2: know your claim. Suggest will find out for you. So 87 00:05:10,880 --> 00:05:15,159 Speaker 2: get that estimate. Make sure it's somebody that isn't trying 88 00:05:15,200 --> 00:05:18,760 Speaker 2: to help you. If a contractor ever wants to see 89 00:05:18,760 --> 00:05:23,839 Speaker 2: your homeowners policy, do not give it to them. They're 90 00:05:23,880 --> 00:05:28,840 Speaker 2: looking for ins and outs. Besides containing a whole bunch 91 00:05:28,880 --> 00:05:33,200 Speaker 2: of personal data, they're looking for loopholes to get your 92 00:05:33,240 --> 00:05:35,680 Speaker 2: claim covered. Well, you know what, that's kind of my job. 93 00:05:36,200 --> 00:05:39,560 Speaker 2: Don't let somebody out there promise you a new roof, 94 00:05:39,640 --> 00:05:44,080 Speaker 2: because once you submit that claim, it's on the record. 95 00:05:44,320 --> 00:05:48,279 Speaker 2: A homeowner's claim stays for five years on your policy, 96 00:05:49,000 --> 00:05:51,240 Speaker 2: unlike an auto which is around three. Unless it's a 97 00:05:51,279 --> 00:05:56,520 Speaker 2: major violation. That means for five years. That has to replace. Now, 98 00:05:56,560 --> 00:06:00,520 Speaker 2: if the claim's denied, well there's damage, going to want 99 00:06:00,520 --> 00:06:02,599 Speaker 2: to know what did you do about that? How did 100 00:06:02,600 --> 00:06:05,320 Speaker 2: you mitigate that damage? And you have to submit proof 101 00:06:06,040 --> 00:06:09,320 Speaker 2: that you actually took care of it on your dime 102 00:06:09,480 --> 00:06:12,359 Speaker 2: because the claim was denied and you can be non renewed. 103 00:06:12,760 --> 00:06:14,520 Speaker 2: Now you're going to say, well, I'll just go find 104 00:06:14,560 --> 00:06:18,279 Speaker 2: another I'll find another carrier. Yeah, that's my job too. 105 00:06:19,040 --> 00:06:21,200 Speaker 2: You call in and say, hey, I'm mad at my 106 00:06:21,320 --> 00:06:25,120 Speaker 2: insurance carrier. They didn't pay correctly on this claim and 107 00:06:25,240 --> 00:06:28,279 Speaker 2: I want out. I'm like, okay, when was a claim? 108 00:06:28,440 --> 00:06:31,680 Speaker 2: It was last year. Well guess what if it's a 109 00:06:31,680 --> 00:06:34,840 Speaker 2: claim that ended up being over forty thousand dollars, that's 110 00:06:34,880 --> 00:06:36,880 Speaker 2: well over a limit of one of the ones that 111 00:06:36,960 --> 00:06:39,880 Speaker 2: a carrier. If I talk to the underwriter and go, hey, 112 00:06:40,000 --> 00:06:42,160 Speaker 2: this is what's going on, they're going to say that 113 00:06:42,279 --> 00:06:45,160 Speaker 2: damage is forty thousand dollars. We will not write that risk. 114 00:06:46,320 --> 00:06:50,800 Speaker 2: So you end up hurting yourself because you didn't do 115 00:06:50,960 --> 00:06:54,880 Speaker 2: enough homework and talk enough to your agent. Can that 116 00:06:55,000 --> 00:06:57,080 Speaker 2: impacts how you protect your home? 117 00:06:57,560 --> 00:06:57,800 Speaker 1: Yeah? 118 00:06:58,120 --> 00:06:59,440 Speaker 2: And so that takes us work. 119 00:07:00,080 --> 00:07:03,120 Speaker 1: I got to tell you, bet that a broker in 120 00:07:03,120 --> 00:07:08,760 Speaker 1: insurance is a vital connection to problems that everybody is 121 00:07:08,800 --> 00:07:12,560 Speaker 1: eventually going to have, because you can talk to them 122 00:07:12,680 --> 00:07:17,880 Speaker 1: just like you're talking to us. And it was about gosh, 123 00:07:17,960 --> 00:07:22,600 Speaker 1: I think the end of the summer, our our insurance 124 00:07:22,720 --> 00:07:25,880 Speaker 1: was coming up from renewal, and because I had talked 125 00:07:25,880 --> 00:07:28,600 Speaker 1: to you, I suggested my wife that we need to 126 00:07:28,680 --> 00:07:32,560 Speaker 1: really do a deep dive in our insurance and we 127 00:07:32,640 --> 00:07:35,800 Speaker 1: had not been having We had a broker that we 128 00:07:36,040 --> 00:07:38,240 Speaker 1: liked and then he sold the business and the new 129 00:07:38,320 --> 00:07:41,840 Speaker 1: person we had no relationship with it. It was just 130 00:07:41,960 --> 00:07:46,760 Speaker 1: picked up and you know, that was it. So we 131 00:07:46,840 --> 00:07:49,520 Speaker 1: looked at the insurance and then we got some referrals 132 00:07:49,520 --> 00:07:52,400 Speaker 1: on different brokers and my wife went and talked to 133 00:07:52,480 --> 00:07:56,520 Speaker 1: him and she goes, we're gonna, we're gonna deal with 134 00:07:56,560 --> 00:07:59,800 Speaker 1: this lady, and you need to come with us. We 135 00:07:59,840 --> 00:08:03,000 Speaker 1: need to go through this whole policy and. 136 00:08:04,720 --> 00:08:05,000 Speaker 2: Best. 137 00:08:05,040 --> 00:08:06,880 Speaker 1: She spent three hours. 138 00:08:06,440 --> 00:08:09,480 Speaker 3: With us, and that's my normal. 139 00:08:09,800 --> 00:08:14,400 Speaker 1: I learned so much and in a way, I I 140 00:08:14,600 --> 00:08:17,120 Speaker 1: jokingly said, well, it's like going to the casino. We're 141 00:08:17,520 --> 00:08:22,960 Speaker 1: placing bets. Yes, you know, yeah, I think earthquake. I'm gonna. 142 00:08:23,000 --> 00:08:25,280 Speaker 1: I'm gonna. I'm gonna, you know, I'm not gonna do that. 143 00:08:26,000 --> 00:08:30,240 Speaker 1: I'm gonna do this. And why don't we raise this, uh, 144 00:08:30,440 --> 00:08:33,960 Speaker 1: you know deductible? We we can you know, cover a 145 00:08:34,000 --> 00:08:38,320 Speaker 1: little incident, you know, and it was I forget where 146 00:08:38,320 --> 00:08:40,200 Speaker 1: it was, but I think we moved it up to 147 00:08:40,280 --> 00:08:42,480 Speaker 1: like twenty five hundred or may it was even a 148 00:08:42,520 --> 00:08:47,000 Speaker 1: little bit more. And you're right, you just don't want 149 00:08:47,160 --> 00:08:49,840 Speaker 1: you don't want to be worrying that insurance is not 150 00:08:50,000 --> 00:08:54,319 Speaker 1: there to cover everything. It's there to take the big hit. Correct. 151 00:08:55,840 --> 00:09:00,040 Speaker 2: Absolutely, it is not for maintenance. Yeah, back in the 152 00:09:00,080 --> 00:09:02,120 Speaker 2: old days, I'm going to say the old days were 153 00:09:02,160 --> 00:09:04,920 Speaker 2: twenty years ago. It was used a lot for maintenance. 154 00:09:05,200 --> 00:09:08,199 Speaker 2: I agree, But then we had for the past five 155 00:09:08,520 --> 00:09:12,440 Speaker 2: well for past six years. So when we started having 156 00:09:12,520 --> 00:09:15,760 Speaker 2: all those big storms that came through starting in twenty two, 157 00:09:16,040 --> 00:09:20,280 Speaker 2: got affected my area real heavy, and then every year 158 00:09:20,480 --> 00:09:24,560 Speaker 2: there was another big storm since then. Since a lot 159 00:09:24,559 --> 00:09:27,560 Speaker 2: of that stuff they had to replace, they go up 160 00:09:27,600 --> 00:09:29,560 Speaker 2: on the roof and it's like, well, yeah, this roof 161 00:09:29,600 --> 00:09:32,319 Speaker 2: gave way. It's a maintenance is you Everything's rotted up. 162 00:09:32,520 --> 00:09:35,760 Speaker 2: You can see where the shingles are curling. They're like, 163 00:09:35,840 --> 00:09:39,520 Speaker 2: why am I replacing a roof that has real maintenance 164 00:09:39,600 --> 00:09:44,600 Speaker 2: damage from this storm versus replacing a roof that doesn't 165 00:09:44,600 --> 00:09:47,679 Speaker 2: have any maintenance damage. So that's changed a lot, and 166 00:09:47,960 --> 00:09:52,120 Speaker 2: quite honestly, I agree with that. People will argue with 167 00:09:52,200 --> 00:09:54,760 Speaker 2: me on that, and I'll say, Okay, if you never 168 00:09:54,840 --> 00:09:58,160 Speaker 2: put oil in your car and your engine seizes up, 169 00:09:58,640 --> 00:10:01,840 Speaker 2: do you file a claimant? Well, no, Well it's a 170 00:10:01,880 --> 00:10:06,559 Speaker 2: maintenance issue. If you, as you always talk, get up there. 171 00:10:06,559 --> 00:10:07,920 Speaker 2: If you don't want to get on a ladder, call 172 00:10:07,960 --> 00:10:10,720 Speaker 2: somebody to get up there. Your neighbor has a drone, 173 00:10:10,920 --> 00:10:13,720 Speaker 2: get the drone up there and take pictures. Look at 174 00:10:13,760 --> 00:10:17,360 Speaker 2: your own roof. You have to have accountability for it. 175 00:10:17,400 --> 00:10:21,880 Speaker 2: Insurance is year two year. It is not a lifetime. 176 00:10:22,040 --> 00:10:26,000 Speaker 2: Now that being said, there's loyalty built up as well, 177 00:10:26,000 --> 00:10:28,760 Speaker 2: and that loyalty isn't built up and you deserve a 178 00:10:28,800 --> 00:10:31,720 Speaker 2: new roof, it's built up and well. At your renewal, 179 00:10:31,800 --> 00:10:35,200 Speaker 2: because you haven't had any claims, we're going to increase 180 00:10:35,240 --> 00:10:39,160 Speaker 2: your claims free discount. That's where the loyalty comes in. 181 00:10:39,480 --> 00:10:43,040 Speaker 2: But it's year to year, and which makes sense. When 182 00:10:43,120 --> 00:10:47,000 Speaker 2: you're driving, when you start out at sixteen, same thing, 183 00:10:47,120 --> 00:10:49,520 Speaker 2: it's year to year. As you continue to drive, you 184 00:10:49,559 --> 00:10:53,400 Speaker 2: get more experienced, the risk drops, your insurance drops. Same thing. 185 00:10:53,440 --> 00:10:57,240 Speaker 2: You maintain your home, your risk drops because you're maintaining it. 186 00:10:57,679 --> 00:11:03,200 Speaker 2: One of the questions you had asked about was the oh, Gary, 187 00:11:03,240 --> 00:11:05,720 Speaker 2: I just lost my mind. I'm not looking at your email. 188 00:11:06,000 --> 00:11:08,480 Speaker 1: That's all right, because I've got a couple other questions 189 00:11:08,559 --> 00:11:10,520 Speaker 1: I want to ask, and one of them with the 190 00:11:10,679 --> 00:11:14,520 Speaker 1: cold weather. We talk about ice dams, we talk about 191 00:11:14,640 --> 00:11:17,560 Speaker 1: frozen pipes, and let me take a break, Beth, and 192 00:11:17,600 --> 00:11:22,000 Speaker 1: we'll come back and address that because that is also maintenance. 193 00:11:22,040 --> 00:11:25,400 Speaker 1: I'm just curious how that works out. We'll continue. Beth Harper, 194 00:11:25,480 --> 00:11:29,200 Speaker 1: she is a insurance broker out of the Cleveland, Ohio area, 195 00:11:29,760 --> 00:11:32,199 Speaker 1: and she's been kind enough to give us a half 196 00:11:32,240 --> 00:11:36,880 Speaker 1: hour and chat a little bit about homeowner's insurance. Will continue. 197 00:11:37,000 --> 00:11:38,880 Speaker 1: You're at home with Gary Sullivan. 198 00:11:39,800 --> 00:11:42,360 Speaker 3: Help for your home is just a click away at 199 00:11:42,400 --> 00:11:47,160 Speaker 3: Garysullivan online dot com. He's at home with Gary Sullivan. 200 00:12:03,280 --> 00:12:05,960 Speaker 1: So your basement is dry sealed and maybe even have 201 00:12:06,120 --> 00:12:09,000 Speaker 1: some pumps, but yet the musty odor still lingers. You 202 00:12:09,120 --> 00:12:12,559 Speaker 1: need to ventilate below grade spaces. All basements and crawl 203 00:12:12,559 --> 00:12:15,720 Speaker 1: spaces need air exchanges in order to prevent musty smells 204 00:12:15,720 --> 00:12:19,000 Speaker 1: and moisture build up. The easy Breathe provides critical air 205 00:12:19,040 --> 00:12:22,680 Speaker 1: exchanges to great and maintain healthy indoor air quality. 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At Dumont Global 233 00:13:58,880 --> 00:14:02,120 Speaker 1: dot com. Dumont's smart, safe and proven, So do it 234 00:14:02,160 --> 00:14:05,040 Speaker 1: yourself with demand. All right, back out and we go. 235 00:14:05,240 --> 00:14:08,480 Speaker 1: We are talking about homeowner's insurance. Beth Harper is my 236 00:14:08,600 --> 00:14:13,960 Speaker 1: guest out of the Cleveland, Ohio area, and Beth, one 237 00:14:14,000 --> 00:14:16,280 Speaker 1: of the things I was thinking of after I had 238 00:14:16,400 --> 00:14:21,080 Speaker 1: our meeting with our insurance broker is she knew the 239 00:14:21,160 --> 00:14:25,680 Speaker 1: people that would inspect houses, and she was talking like you, 240 00:14:25,800 --> 00:14:28,360 Speaker 1: She's just talking the truth. This is what's going to happen. 241 00:14:28,680 --> 00:14:32,040 Speaker 1: I'm not here to bash insurance companies. They're making a bet. 242 00:14:32,160 --> 00:14:36,120 Speaker 1: I'm making a bet in a way. And so you've 243 00:14:36,160 --> 00:14:38,560 Speaker 1: got to maintain your house. And we just had a 244 00:14:38,560 --> 00:14:44,080 Speaker 1: couple of calls today about frozen pipes and so how's 245 00:14:44,160 --> 00:14:46,920 Speaker 1: insurance deal with that. If you have a frozen pipe, 246 00:14:46,960 --> 00:14:48,920 Speaker 1: and yeah, I know a lot of times joy have 247 00:14:48,960 --> 00:14:51,640 Speaker 1: a plumber involved just thawing it, that's not going to 248 00:14:51,680 --> 00:14:53,160 Speaker 1: be a claim. What happens if. 249 00:14:53,040 --> 00:14:59,320 Speaker 2: It burst, Well, Number one, mitigate, So whatever it takes 250 00:14:59,360 --> 00:15:01,960 Speaker 2: to shut out water off so that it stops all 251 00:15:02,040 --> 00:15:08,280 Speaker 2: the collateral damage, get that taken care of asap. That 252 00:15:08,440 --> 00:15:10,960 Speaker 2: is your job as a homeowner, and it is a 253 00:15:11,000 --> 00:15:15,280 Speaker 2: requirement by your insurance policy that you will do the 254 00:15:15,320 --> 00:15:18,840 Speaker 2: best you can to mitigate damage so it doesn't continue. 255 00:15:19,400 --> 00:15:22,920 Speaker 2: That includes some of the big claims like were oh yeah, 256 00:15:22,920 --> 00:15:24,960 Speaker 2: and I called somebody right away and put a tarp 257 00:15:25,000 --> 00:15:26,560 Speaker 2: over my roof where the big hole is and the 258 00:15:26,640 --> 00:15:31,280 Speaker 2: rain was coming in. Perfect good job, good job. I 259 00:15:31,400 --> 00:15:33,360 Speaker 2: liked it. I like it when people do that. So 260 00:15:33,840 --> 00:15:37,640 Speaker 2: get it mitigated. Is it exposed, is it old pipe, 261 00:15:37,760 --> 00:15:42,280 Speaker 2: was it a cast iron pipe? Was there unknown galvanized pipe? 262 00:15:43,120 --> 00:15:46,360 Speaker 2: So it depends a lot on that. So when it's frozen, 263 00:15:47,080 --> 00:15:50,000 Speaker 2: some of this bad weather, we can't control it. And 264 00:15:50,040 --> 00:15:53,760 Speaker 2: then you get into this is the scary part. You 265 00:15:53,880 --> 00:15:58,040 Speaker 2: get into an ice storm and electrics out. Then what well, 266 00:15:58,040 --> 00:16:00,160 Speaker 2: the first thing you do shut the water off at 267 00:16:00,160 --> 00:16:04,000 Speaker 2: the source, open every tap, flush the toilet, get every 268 00:16:04,040 --> 00:16:07,880 Speaker 2: drop of water out of your toilet. From experience, also, 269 00:16:08,240 --> 00:16:12,480 Speaker 2: the outgoing water is maybe even more important than the 270 00:16:12,520 --> 00:16:16,040 Speaker 2: incoming water, just because if you have in if you 271 00:16:16,040 --> 00:16:19,440 Speaker 2: have incoming water or no incut coming water, you can 272 00:16:19,480 --> 00:16:21,320 Speaker 2: melt snow and you can flush the toilet with a 273 00:16:21,360 --> 00:16:24,760 Speaker 2: melted bucket of snow. But if you can't flush, then 274 00:16:24,800 --> 00:16:29,160 Speaker 2: what do you do? So so drain everything, be smart 275 00:16:29,200 --> 00:16:32,920 Speaker 2: about what has to happen, right, so that way, if 276 00:16:32,960 --> 00:16:35,840 Speaker 2: there is that also takes the pressure off. So if 277 00:16:35,880 --> 00:16:38,520 Speaker 2: there's if it's unknown ice storm, electric out and it 278 00:16:38,600 --> 00:16:41,000 Speaker 2: might be a couple of days or even depending on 279 00:16:41,040 --> 00:16:43,960 Speaker 2: the cold, twelve hours. Get the water on the pipes. 280 00:16:44,040 --> 00:16:46,680 Speaker 2: If it's there's no water in the pipes, there's no expansion. 281 00:16:46,840 --> 00:16:47,920 Speaker 2: You're not going to break the pipe. 282 00:16:48,040 --> 00:16:49,000 Speaker 1: Right. 283 00:16:49,200 --> 00:16:52,240 Speaker 2: So let's say you didn't know there's something happened, and 284 00:16:52,280 --> 00:16:55,760 Speaker 2: I and again something happened. That is a sudden occurrence, 285 00:16:56,160 --> 00:16:58,760 Speaker 2: and that's when you turn in the claim. Now how 286 00:16:58,800 --> 00:17:01,560 Speaker 2: it's paid amount of claim, I just know that you 287 00:17:01,640 --> 00:17:05,920 Speaker 2: can't call it in. There's usually coverage for that type 288 00:17:05,960 --> 00:17:08,280 Speaker 2: of thing because it is a sudden occurrence. It's not 289 00:17:08,440 --> 00:17:12,400 Speaker 2: something you planned. If they come out and they notice 290 00:17:12,480 --> 00:17:15,920 Speaker 2: that all of your pipes, all your incoming water pipes 291 00:17:16,000 --> 00:17:20,399 Speaker 2: are exposed to the outside air well. Now that's an 292 00:17:20,440 --> 00:17:23,840 Speaker 2: issue modern homes, so they don't have that issue. It's 293 00:17:23,960 --> 00:17:27,760 Speaker 2: usually something has happened and that same type of thing 294 00:17:27,840 --> 00:17:30,919 Speaker 2: goes into along your furnace, you have condensation pipes and 295 00:17:31,000 --> 00:17:32,600 Speaker 2: same with your water. 296 00:17:32,680 --> 00:17:32,840 Speaker 1: Here. 297 00:17:32,880 --> 00:17:36,520 Speaker 2: All that stuff there is condensate and there's an outflow 298 00:17:36,520 --> 00:17:40,160 Speaker 2: of it that can freeze. Also, if you're not paying 299 00:17:40,160 --> 00:17:44,000 Speaker 2: attention to it, you can have hidden water damage and 300 00:17:44,080 --> 00:17:47,680 Speaker 2: with it comes mold and mildew issues. Check your carrier. 301 00:17:47,840 --> 00:17:51,920 Speaker 2: Certain carriers allow coverage. You purchase it, but it's for 302 00:17:52,040 --> 00:17:56,240 Speaker 2: hidden water damage and it is for limited mold and 303 00:17:56,320 --> 00:18:01,000 Speaker 2: mildew settlement settlements. Most mold and mildew that people put into. 304 00:18:01,119 --> 00:18:03,080 Speaker 2: Oh my attic is full of mold and we're all 305 00:18:03,080 --> 00:18:05,840 Speaker 2: going to die because it's black. Well, maybe it's pink, 306 00:18:05,920 --> 00:18:08,160 Speaker 2: but you know what we're talking about. Because you advertise 307 00:18:08,520 --> 00:18:10,480 Speaker 2: on the or you talk about this all the time, 308 00:18:10,520 --> 00:18:12,680 Speaker 2: and that five minute mold test hit, you got to 309 00:18:12,720 --> 00:18:14,960 Speaker 2: know what kind of mold of it. There's mold everywhere. 310 00:18:15,000 --> 00:18:18,920 Speaker 2: We eat mold. We're we're eating mushrooms, right, so find 311 00:18:18,960 --> 00:18:23,560 Speaker 2: out what it is that kind. Because you overinsulated your attic, 312 00:18:24,080 --> 00:18:26,879 Speaker 2: the vent pipe was leaking and the water trickle in. 313 00:18:27,359 --> 00:18:29,879 Speaker 2: There's a leak in your roof that you didn't know about. 314 00:18:30,520 --> 00:18:33,840 Speaker 2: That's not going to be covered because that is something 315 00:18:34,000 --> 00:18:38,400 Speaker 2: that was preventable if you'd have done your maintenance. Let's 316 00:18:38,440 --> 00:18:41,679 Speaker 2: go back the same situation. A tree branch crashed on 317 00:18:41,760 --> 00:18:44,280 Speaker 2: your roof. You thought you had it covered. Then the 318 00:18:44,320 --> 00:18:48,199 Speaker 2: electricity went out and it rained again, and now you 319 00:18:48,359 --> 00:18:52,159 Speaker 2: have mold growing that came from the specific incident, and 320 00:18:52,240 --> 00:18:54,639 Speaker 2: there can be I'm not going to guarantee it again, 321 00:18:54,880 --> 00:18:57,800 Speaker 2: I'm not a claims adjuster. There can be coverage for 322 00:18:57,880 --> 00:19:00,560 Speaker 2: that because it came from some else. 323 00:19:00,760 --> 00:19:03,120 Speaker 1: Sure, you know, Beth, one of the things I mentioned 324 00:19:03,240 --> 00:19:07,720 Speaker 1: was ice dams, And in a way, ice stams are 325 00:19:07,880 --> 00:19:12,680 Speaker 1: preventable a lot of times just caused by lack of insulation. 326 00:19:13,480 --> 00:19:16,520 Speaker 1: And I know there's codes in there to put ice 327 00:19:16,560 --> 00:19:19,919 Speaker 1: guards underneath shingles, but some of the older roofs and 328 00:19:20,000 --> 00:19:23,879 Speaker 1: older housing maybe doesn't have that. And you're under insulate 329 00:19:24,000 --> 00:19:25,680 Speaker 1: and you have an ice dam and then you got 330 00:19:25,680 --> 00:19:28,200 Speaker 1: a leak. Is that an incident or is that maintenance. 331 00:19:30,480 --> 00:19:32,560 Speaker 2: I cannot say yes or no. I'm not a claims 332 00:19:32,560 --> 00:19:34,840 Speaker 2: adjust What I will say is, if you've been with 333 00:19:34,920 --> 00:19:38,760 Speaker 2: your carrier for quite some time, it's entirely possible that 334 00:19:38,760 --> 00:19:42,639 Speaker 2: that will be covered. Yeah, if you recently changed carriers. 335 00:19:42,640 --> 00:19:45,760 Speaker 2: Because what happens this is so let's talk about being 336 00:19:45,760 --> 00:19:48,600 Speaker 2: a broker real quick here. So when you're with a 337 00:19:48,680 --> 00:19:52,760 Speaker 2: carrier for so long, you've been more or less grandfathered in. 338 00:19:53,320 --> 00:19:56,920 Speaker 2: If they made any changes you will get in your policy. 339 00:19:57,000 --> 00:19:59,520 Speaker 2: When it's mailed to you at your renewal time, there'll 340 00:19:59,560 --> 00:20:03,080 Speaker 2: be big bold letter saying please read carefully. These are 341 00:20:03,080 --> 00:20:07,639 Speaker 2: the following changes. That's on you. It told you to 342 00:20:07,760 --> 00:20:11,320 Speaker 2: read this because there's changes to your policy now. A 343 00:20:11,320 --> 00:20:13,879 Speaker 2: lot of times because you were with them. It's not 344 00:20:13,920 --> 00:20:18,040 Speaker 2: going to apply because they changed, say a quoting platform 345 00:20:18,119 --> 00:20:21,520 Speaker 2: that takes into consideration different risks. If I were to 346 00:20:21,600 --> 00:20:24,760 Speaker 2: move you, you've been with one carrier for fifteen years, 347 00:20:24,920 --> 00:20:27,679 Speaker 2: I move you for a better premium to another carrier, 348 00:20:28,160 --> 00:20:31,000 Speaker 2: you are going to be subject to the brand new 349 00:20:31,119 --> 00:20:37,200 Speaker 2: risk categories, writing underlining, underwriting guidelines, and so you could 350 00:20:37,320 --> 00:20:42,880 Speaker 2: actually be hurting yourself by moving. Remember, your premium isn't 351 00:20:42,920 --> 00:20:46,040 Speaker 2: about how low you can go. It's about how much 352 00:20:46,160 --> 00:20:49,480 Speaker 2: will I get paid to put my home back together again? 353 00:20:49,480 --> 00:20:50,560 Speaker 2: If there's a claim. 354 00:20:52,320 --> 00:20:55,800 Speaker 1: Is your broker is your advocate. You have to have 355 00:20:56,680 --> 00:21:01,280 Speaker 1: a great relationship with your broker that you make that change. 356 00:21:01,840 --> 00:21:04,640 Speaker 1: She's already on your side and she's going to see 357 00:21:04,640 --> 00:21:05,440 Speaker 1: what she can do. 358 00:21:06,040 --> 00:21:06,280 Speaker 2: Beth. 359 00:21:06,400 --> 00:21:10,200 Speaker 1: As always, we ran out of time. I certainly appreciate 360 00:21:10,359 --> 00:21:13,480 Speaker 1: your time. I promise we'll get you back and what 361 00:21:13,600 --> 00:21:16,679 Speaker 1: we may do sometime and the dead of winner is 362 00:21:16,760 --> 00:21:19,200 Speaker 1: get you on for an hour and actually take calls. 363 00:21:19,920 --> 00:21:22,040 Speaker 2: So Garry, I would love that. 364 00:21:22,720 --> 00:21:26,440 Speaker 1: Sit tight and we'll try that care all right, Thank you, Carrie. 365 00:21:26,800 --> 00:21:30,120 Speaker 1: Have a merry Christmas, do you too, Beth? Thanks all right. 366 00:21:30,760 --> 00:21:32,280 Speaker 1: Let me give you the phone number you can join 367 00:21:32,400 --> 00:21:35,320 Speaker 1: us like to chat with you if you're keeping up 368 00:21:35,320 --> 00:21:38,760 Speaker 1: on the maintenance on your home. It's eight hundred eight 369 00:21:38,840 --> 00:21:42,399 Speaker 1: two three eight two five five. You're at home with 370 00:21:42,520 --> 00:21:43,680 Speaker 1: Carrie Sullivan. 371 00:21:58,640 --> 00:22:02,840 Speaker 3: Home Improvement on with Gary Sullivan every weekend. Classes begin 372 00:22:03,000 --> 00:22:05,640 Speaker 3: at one eight hundred and eighty two three Top. You're 373 00:22:05,880 --> 00:22:18,080 Speaker 3: at home with Gary Sullivan