Category Landscaping Insurance

What to Do After Your Home Sustains Flood Damage

flood insurance new jersey

It’s important to know what to do to prepare for a flood, but it’s equally essential that you know what to do after the flood has swept through your neighborhood and is lingering in your basement and everywhere else in your home. Getting flood insurance in New Jersey is sure to help with the process, as will these tips.

Document the Damage

As you’re looking over the totality of the flood damage, take pictures and video of everything you see before you call for repairs or start to get rid of the water. These images and video are vital to your insurance claim, and you want to stand the best chance of your claim being accepted.

Take Measure to Avoid Other Risks

Just because the waters are calm doesn’t mean you’re in the clear. Keep an eye out for structural damage to your residence, and get in touch with the local utility company if you think there might be damage to your water, sewer or electrical lines.

Stay Healthy

Flood insurance in New Jersey is meant to protect your finances, but you’ll need more to protect your health. Specifically, you’ll want to wear high, waterproof boots, waders and rubber gloves to protect yourself from contamination. Boil water before drinking it, and throw out food that came into contact with flood water.

Being caught in a flood is the last thing anyone wants, but recovering is possible and easier with a few useful suggestions.

How to Buy Landscaping Insurance in Campaign IL

Owning a landscaping business is huge work. There are a lot of things to remember, clients to juggle, and equipment to buy. Because of all of these things and many more, buying landscaping insurance in Campaign IL should be the very next item on your to do list. Here are a few tips for buying this specialized insurance that you should be aware of.

Work With Experienced Insurance Companies

When looking for any kind of specialized insurance, make sure the agency you are looking at working with has provided policies similar to what you need before. There might be some willing to provide it but if they have not actually done a lot of landscaping insurance policies before, you might want to look elsewhere.

Don’t Make Your Decision Based On Price

When looking around for insurance quotes for your landscaping business, it is important to remember that the lowest price does not always provide the best value. Make sure that you get a number of quotes so that you can compare coverage options and identify what is going to give you the best bang for your buck.

verestimate the Amount of Necessary Coverage

One trap that many business owners run into is that they pay for just the insurance that they think they really need. However, what is most often true is that you will need more insurance coverage than what you think. When you are estimating your insurance coverage amounts, remember it is better to have more landscaping insurance in Campaign IL than you need than not enough.