Life Happens 365 - Are You Managing the Risk?

By Diane Tait Image courtesy Pixabay Now that we’re in the middle of hurricane season, I thought it time to give you a little head’s up on several things that keep your home from being wrecked by a named storm.   Depending on when your home was built could make all the difference between the amount of damage done to it when the wind shrieks and the rain comes down in buckets.    Below are seven areas you should investigate before the next hurricane is announced on TV.

By Diane Tait Image courtesy Pixabay Now that another couple of named storms have reared their ugly heads, it’s more important than ever that your home is covered by insurance.   All it takes is one lightning strike or some windblown debris to turn a domicile into a mess.   The last thing you want is to have your property sustain severe damage only to find out your homeowner’s policy was cancelled.   What’s even worse is you only have a short amount of time to get your home covered before you face the consequences.   Before your mortgage is called in by your bank for lack of insurance, let me give you a few tips on how to deal with such a situation.

By Diane Tait Image courtesy Pixabay Face it, we’re in the dog days of summer.   This is the time of year when the outside temperature in Florida hardly ever falls below 90-degrees.   This fact alone makes an air conditioner run nearly non-stop.   Not surprisingly, it’s also the time of year we Floridians have the highest electric bills. If you’re tired of paying through the nose to the electric company, I thought I’d show you ten ways to beat them a their own game.

By Diane Tait Image courtesy Pixabay I was putting out the trash a couple of days ago when I noticed a rented RV parked on my neighbor’s driveway.   It was hard to miss since it had the words 4-RENT prominently painted on its flanks.   So, I went back in the house and called my neighbor to ask her if she had purchased additional insurance on her rental.   She told me her auto insurance covered rented vehicles, including RVs.   I told her while her auto coverage may extend to accidents on the road, she should call her agent to find out about liability coverage, as well as any damage done to the vehicle that isn’t related to driving-related incidents.   Then I gave her a list of ten questions to ask her agent about RV coverage.       1.       Does your collision, comprehensive and liability coverage extend to a rented RV? Never assume that everything that applies to the family sedan applies to a rental vehicle, especially one as cumbersome and expensive as an RV.   While you might