Wednesday, December 28, 2011
First off The Guardian is not seeing much out there to talk about. That said I would like to remind everyone about a few things you might not give much thought to until they fail.
First on the list are smoke and carbon monoxide detector battery back up and testing them to make sure they actually still work. Smoke detectors contain a small amount of radioactive material and need to be disposed of properly.
Second, Washing machine hoses. These things fail all the time according to insurance company data and can flood your home with water in short order. Water is the biggest enemy of homeowners. These hoses should be inspected often and replaced ever few years. They don't leak, they burst when they fail, usually at the connector part of the hose. Turn off the valves when you leave your home for an extended period of time.
Third, review your homeowners insurance policy. Values have decreased and you might be able to save a buck or two with a coverage review. A thing called a "deck sheet" is the meat and potatoes of your insurance coverage for your home as well as autos.
You may want to consider dropping collision coverage on an older car with not a lot of dollar value. Rule of thumb on vehicles is damage over 60% is considered a total.
That is my list and you may have others to add to this. It is a slow time of year for any news.
Posted by Paul Alldredge at 1:35 PM