Drexelfire Home Safety

Understanding Your Fire Insurance Deductible

Your home insurance deductible is the amount of the loss, which the person that is insured has to pay before the insurance company pays off the claim. In understanding your deductible you have to pay if something were to happen to a home such as fire, theft, vandalism.

What Does a Deductible Do?

For home insurance deductibles they will enable you to lower the cost of the insurance by being responsible for some risk. If you have a $250 deductible on the policy of your home you have to pay $250 on the policy in order to cover any losses. This is before the insurance carrier that you have pays the rest of the amount on your claim. If you increase the deductible to $1000 you may be able to save 20-30% on the premiums you pay. One thing you should understand about your home insurance policy deductible is what premium is right for your situation.

Risk

Having insurance is asking yourself how much risk are you going to assume if something happens to your home. In understanding your deductible you have to ask yourself this question. Many companies offer deductibles that equal 1% of the value of your home insured, so for example $2,000 on a home worth $200,000.

Loss or damage

You have to know the amount you will have to pay in the event of a loss or damage to the home. You can increase or decrease your deductible but then you will have to pay more or pay less on the loss. In understanding your deductible you have to assess the risks to where your home is. If it is in a neighborhood that has high crime you may want to increase your deductible so you do not have to pay as much in the event of a loss. The same goes for living in an area that has much adverse weather. Basically it is how much you are comfortable paying if something were to happen to your home.

Many people take out higher deductibles when they have many valuable things in the home. People make the mistake of doing this instead of individually insuring each item. What you should understand is how much the item will be insured and how much you will have to pay in the event or damage or theft. Many times it is more prudent on valuable items to insure them separately.

About the Author

David Naughton, the author of bestseller e-book, Life Insurance Singapore 101, thanks to his article, we know the important of fire insurance. If you are interest in life insurance and other stuff that related to insurance in Singapore, feel free to download his other free eBook on his business website.

You can also send him a message via contact form, it is a good option to talk to a professional, especially your carrier, and ask them to explain all the aspects of your deductible to you to make sure you are comfortable with the deductible you have. By better understanding your deductible for your homeowner’s insurance policy you will ensure that you have the one that is right for you.


Etching and Staining Concrete: Checkerboard

Create a completely new look for an old patio, walkway, driveway, sidewalk or any other concrete slab. With the use of proper positioning and planning you can create a checkerboard pattern of any color, size or style. A few simple tools are needed like a tape measure and chalk line to begin, but you will need to rent a diamond-blade concrete saw. You’ll also need to buy a cheap mop and a plastic bucket that you’ll throw away later.

Begin by prepping the concrete slab or other concrete surface you are working with by thoroughly sweeping away any debris and sand. Next give it a good wash with a garden hose and high pressure nozzle. A scrub brush and oxygenated bleach can safely remove any algae or build up of tree debris. Fill a gallon bucket with water then scoop in three or four laundry scoops full of oxygenated bleach. Now stir it up well and immediately pour it out onto the concrete and scrub with the brush. Sprinkle stubborn stains with direct applications of the oxygenated bleach. Rinse off the deck with water. Don’t worry about really bad stains, well work on that next.

Once the concrete slab is dried sufficiently (usually 12-24 hours), it’s time to acid etch the concrete slab. Mix in a plastic bucket with one gallon of water and a cup of muratic acid. You may need a stronger mix for tough stains. Next, take your disposable mop and dip it into the acid/water mix and give it a good stir, being EXTRA careful not to get it on your self or your clothes. Wear goggles and gloves with long pants and sleeved shirts that you don’t mind getting dirty. I always end up spilling it on my shoes, so I change them too.

Spread the wet mop around in a fast paced swirling motion and don’t work yourself into a corner. A pattern-less motion is best. Make sure the mop maintains about the same amount of moisture as you work. Don’t over-saturate the concrete; but don’t let it get dry.

Once it dries for 24 hours, use a tape measure and chalk line to snap lines in a checkerboard shape. You can cheat by snapping two lines at once with two people holding each end of the line. You can also cut out a template from cardboard to double check your grid layout before you begin.

Next, start up the gas powered diamond-blade concrete saw and start cutting. DEFINITLY use a respirator, eye protection and long sleeves and pants. Heavy gloves are also a must have for safety. Crank up the saw and cut about a ΒΌ” deep into the surface. Use a straight-edge, like a 2×4, for a guide. When the dust settles, sweep away the debris and stain the concrete in any color concrete stain you wish for the ultimate checkerboard concrete slab!