An adjuster plays a crucial role in the context of home insurance claims. When you experience damage to your home or property covered by your insurance policy, an adjuster is assigned by your insurance company to evaluate the extent of the damage and determine the amount of compensation you are entitled to receive. Here are the primary responsibilities of a home insurance adjuster:

Damage Assessment: The adjuster visits your property to assess the damage caused by an insured event such as a fire, storm, water leak, or vandalism. They examine the affected areas, document the extent of the damage, and take photographs or videos as evidence.

Investigation: The adjuster investigates the cause of the damage and determines whether it falls under the coverage outlined in your insurance policy. They review the policy terms, conditions, and exclusions to ascertain the applicability of the claim.

Documentation: The adjuster helps you with the paperwork required for your claim. They assist in completing claim forms, gathering necessary documents, and providing guidance on any additional information or evidence needed to support your claim.

Estimation of Loss: Based on their assessment of the damage, the adjuster prepares an estimate of the cost required for repairs or replacement. They consider factors such as labor, materials, and local market rates to determine the value of the loss.

Support and Guidance: Throughout the claims process, the adjuster serves as a source of information and guidance. They answer your questions, address concerns, and help you understand the terms and procedures involved in the insurance claim.

It’s important to note that there are different types of adjusters, including company-employed adjusters, independent adjusters, and public adjusters. Their roles and responsibilities vary based on their affiliation and the specific circumstances of your claim.

To get a quote or discuss how we can help you with choosing your home insurance provider, call us at (800) 234-2103 or get a free 30 second quote on westernmutual.com.

Using a portable generator can be a convenient way to generate electricity during power outages or in remote locations. However, it’s important to prioritize safety when operating a portable generator to avoid hazards such as carbon monoxide poisoning, electrical shocks, or fire risks. Here are some guidelines to safely use a portable generator:

Read the Manual: Familiarize yourself with the manufacturer’s instructions and safety guidelines provided in the user manual. Each generator may have specific requirements and features that you should understand before operating it.

Choose a Safe Location: Place the generator outdoors in a well-ventilated area, away from windows, doors, and vents to prevent the accumulation of dangerous exhaust gases. Keep it on a dry surface and protect it from moisture to avoid electrical hazards.

Use a Transfer Switch: To prevent back-feeding electricity into the utility lines and potentially injuring utility workers, use a transfer switch. This device allows you to safely connect the generator to your home’s electrical system.

Ground the Generator: Follow the manufacturer’s instructions to properly ground the generator. This helps to protect against electrical shocks and ensures safe operation.

Fuel Safety: Turn off the generator and allow it to cool down before refueling. Use fresh gasoline and follow the recommended fuel type specified by the manufacturer. Store fuel in approved containers in a cool, well-ventilated area, away from living spaces or ignition sources.

Avoid Overloading: Determine the power requirements of the appliances and devices you plan to connect to the generator. Make sure the total power demand does not exceed the generator’s capacity. Overloading the generator can lead to equipment damage or hazardous situations.

Proper Extension Cords: Use heavy-duty, outdoor-rated extension cords that are capable of handling the load. Ensure that the cords are in good condition, with no visible damage or exposed wires.

Carbon Monoxide Prevention: Generators produce carbon monoxide, a deadly gas that is odorless and colorless. Never use a generator indoors, including in garages, basements, or crawl spaces. Maintain a distance of at least 20 feet between the generator and any occupied building to prevent CO from entering enclosed spaces.

Fire Prevention: Keep flammable materials away from the generator. Ensure the generator is cooled down before storing it and avoid storing fuel or flammable liquids nearby.

Maintenance and Inspection: Regularly inspect the generator for any signs of damage or wear. Follow the maintenance schedule provided by the manufacturer to keep the generator in good working condition.

Remember, the specific instructions and safety precautions may vary depending on the make and model of the generator, so always refer to the manufacturer’s guidelines for accurate information.

To get a quote or discuss how we can help you with choosing your home insurance provider, call us at (800) 234-2103 or get a free 30 second quote on westernmutual.com.

During a brownout, which is a temporary loss of electricity, it’s important to take certain precautions to stay safe in your house. Here are some steps you can follow:

Prepare in advance: Before a brownout occurs, make sure you have a well-stocked emergency kit that includes essential items such as flashlights, batteries, a battery-powered radio, a first aid kit, and non-perishable food and water.

Use alternative light sources: Keep flashlights and battery-powered lanterns in accessible locations throughout your house. Ensure you have spare batteries for your flashlights and test them regularly to ensure they are functional. Avoid using open flames such as candles, as they pose a fire hazard.

Secure your surroundings: To prevent accidents during a brownout, make sure your house is free from clutter, especially in high-traffic areas. Keep walkways and stairs clear to avoid trips and falls.

Unplug sensitive electronics: When a brownout is anticipated, it’s advisable to unplug sensitive electronic devices like computers, televisions, and refrigerators. This protects them from power surges or potential damage when the electricity is restored.

Use surge protectors: For devices that you can’t unplug, consider using surge protectors. These devices help protect against sudden power surges and fluctuations when the electricity comes back on.

Keep refrigerators and freezers closed: During a brownout, minimize opening the refrigerator and freezer doors to keep the temperature as stable as possible. This helps preserve the coldness and prevents food spoilage. Consider using coolers with ice packs for essential perishable items if the brownout is expected to last for an extended period.

Stay hydrated and nourished: Keep drinking water and non-perishable snacks readily available, especially if the brownout extends for an extended period. Avoid opening the refrigerator unnecessarily to conserve food supplies.

Stay informed: Use a battery-powered or hand-cranked radio to stay updated on the status of the brownout and any relevant announcements from local authorities. This will help you stay informed about restoration efforts and estimated timelines.

Stay cool: If the brownout occurs during hot weather, consider opening windows or using battery-powered fans to improve ventilation and keep the temperature down. Dress lightly and stay hydrated to prevent overheating.

Check on vulnerable individuals: If you live with elderly individuals, young children, or people with medical conditions, regularly check on their well-being during a brownout. Ensure they have access to necessary medical equipment or medication and take appropriate measures to keep them comfortable.

Remember, if a brownout extends for an extended period or if you have any concerns about your safety, contact your local authorities or utility provider for further guidance and assistance.

To get a quote or discuss how we can help you with choosing your home insurance provider, call us at (800) 234-2103 or get a free 30 second quote on westernmutual.com.

Staying safe during fire season is crucial, and taking precautions to protect yourself and your home is essential. Here are some steps you can take to stay safe in your house during fire season:

Stay informed: Pay attention to local news and updates regarding fire conditions in your area. Stay updated on evacuation orders, fire advisories, and other relevant information provided by local authorities.

Create a defensible space: Clear vegetation and debris from around your home, creating a defensible space. Maintain a distance of at least 30 feet between your house and flammable materials like trees, bushes, and dry grass. This helps create a buffer zone and reduces the risk of fire spreading to your home.

Install smoke detectors: Make sure you have working smoke detectors installed on every level of your home, especially near bedrooms. Regularly test the batteries and replace them as needed.

Prepare an emergency kit: Assemble an emergency kit that includes essentials like food, water, medications, important documents, flashlights, batteries, a first aid kit, and a portable battery-powered radio. Keep this kit easily accessible in case of an evacuation.

Develop an evacuation plan: Create a detailed evacuation plan with your family. Identify multiple escape routes from your home and establish a meeting point outside. Practice the evacuation plan regularly, so everyone knows what to do in an emergency.

Secure your home: Close all windows and doors to prevent embers from entering your house. Use fire-resistant materials for roofing and siding if possible. Install metal screens on windows and vents to block embers.

Maintain fire-safe practices: Avoid using outdoor equipment that can create sparks or flames during dry and windy conditions. This includes grills, fire pits, and outdoor stoves. Dispose of cigarette butts properly and avoid smoking near flammable materials.

Stay aware of fire conditions: Keep an eye on local weather conditions and fire danger ratings. Limit outdoor activities on days with high fire risk, and be cautious during periods of strong winds.

Have a communication plan: Establish a communication plan with your family and friends, including a designated contact person outside the fire area. This will help you stay connected and informed if local communication networks are affected.

Follow evacuation orders: If local authorities issue an evacuation order, follow it promptly. Your safety is the top priority, and it’s important to evacuate as directed to avoid being trapped or hinder rescue operations.

Remember, the safety of yourself and your loved ones should always take precedence during a fire. If you have specific concerns or live in an area prone to wildfires, consult with local fire agencies for personalized safety advice and recommendations.

There could be several reasons why the cost to cover your home has gone up this year. Here are some possible factors that could contribute to an increase in insurance premiums:

Inflation: Insurance premiums are influenced by the overall increase in prices and the cost of goods and services due to inflation.

Construction Costs:  If the cost of building labor or other factors relevant to your home insurance policy has increased, it can lead to higher premiums.  The past year or so has seen historic rises in construction costs. 

Changes in coverage: If you’ve made modifications to your insurance policy, such as adding additional coverage options or increasing coverage limits, your premium will likely increase to reflect the expanded coverage.

Local factors: Insurance premiums can be affected by local factors such as the increased exposure from climate – related perils such as wildfires and severe weather events in your area. 

Reinsurance costs: As general costs increase and natural disasters become more frequent in certain areas, the cost of reinsurance (insurance for the insurance company) increases, adding to the general overhead costs. 

It’s essential to review your policy documents or contact your insurance provider directly to understand the specific reasons for the increase in your home insurance premium. They can provide detailed information and help you make informed decisions about your coverage.

When it comes to summer heat safety in and around your home, it’s essential to keep yourself and your loved ones protected from the potential risks associated with high temperatures. Here are some tips to ensure a safe and comfortable summer:

Stay hydrated:

Drink plenty of water throughout the day to stay hydrated, especially during hot weather. Avoid excessive consumption of alcoholic or caffeinated beverages as they can contribute to dehydration.

Use fans and air conditioning:

If you have access to fans or air conditioning, make sure to use them to keep the indoor temperature cool. Ceiling fans or portable fans can help circulate air and create a breeze, while air conditioning units can provide relief from the heat.

Keep windows and curtains closed:

During the hottest parts of the day, keep windows and curtains closed to prevent hot air from entering your home. Once the temperature outside drops in the evening or early morning, open windows to let in cool air and create cross-ventilation.

Create shade:

Use shades, blinds, or curtains to block out direct sunlight and reduce heat gain inside your home. Consider installing exterior shading devices, such as awnings or sunscreens, to prevent heat from penetrating windows.

Avoid strenuous activities:

Engaging in intense physical activities during extremely hot weather can put additional strain on your body. If possible, reschedule outdoor activities for cooler times of the day, such as early morning or evening when temperatures are lower.

Check on vulnerable individuals:

 Keep an eye on infants, young children, elderly individuals, and those with chronic health conditions who are more susceptible to heat-related illnesses. Make sure they stay cool and well-hydrated.

Stay informed:

Stay updated on local weather forecasts and heat advisories to be aware of potential heatwaves or extreme temperatures. This information can help you plan your activities and take necessary precautions.

Have a backup plan:

In case of a power outage or air conditioning failure, have a backup plan to stay cool. Identify places nearby, such as libraries, community centers, or shopping malls, that have air conditioning and can serve as temporary cooling spots.

Be prepared for emergencies:

 Have an emergency kit with essential supplies, including first aid items, a battery-powered fan or hand-held fan, extra water, non-perishable food, and a flashlight in case of extended power outages or other emergencies.

Remember, heat-related illnesses, such as heat exhaustion or heatstroke, can be dangerous. If you or someone you know experiences symptoms like dizziness, nausea, rapid heartbeat, confusion, or fainting, seek medical attention immediately.

To get a quote or discuss how we can help you with choosing your home insurance provider, call us at (800) 234-2103 or get a free 30 second quote on westernmutual.com.

Ready to get your grill on this summer?! Grilling during the summer is a popular activity, but it’s important to prioritize safety to prevent accidents and injuries. Here are some home safety tips to keep in mind when grilling:

Location and Setup:

Choose a safe location for your grill outdoors, away from any structures, combustible materials, or overhanging branches. Ensure your grill is placed on a stable surface and cannot tip over. Keep children and pets at a safe distance from the grill while it’s in use.

Propane and Gas Grills:

Regularly inspect propane tanks, hoses, and connections for leaks or damage. Follow the manufacturer’s guidelines for maintenance. Keep propane cylinders upright and stored in a well-ventilated area outdoors, away from heat sources. If you smell gas while cooking, immediately move away from the grill and call the fire department.

Charcoal Grills:

Use only charcoal starter fluids specifically designed for grilling. Never use gasoline or other flammable liquids to start the fire. Allow the coals to cool completely before disposing of them in a metal container. Do not dispose of them in or near combustible materials.

Fire Safety:

Keep a fire extinguisher nearby and ensure everyone in your household knows how to use it. Have a designated person responsible for fire safety during grilling, especially when children are present. If using a charcoal grill, never leave it unattended until the coals are completely extinguished. In case of a grease fire, turn off the burners and carefully place a lid on the grill. Do not use water to extinguish a grease fire.

Personal Safety:

Use long-handled grilling tools to avoid burns or injuries. Wear appropriate clothing, such as short or close-fitting sleeves, to prevent clothing from catching fire. Use oven mitts or heat-resistant gloves when handling hot grill surfaces or utensils.

Cleaning and Maintenance:

Regularly clean your grill to remove grease buildup, which can contribute to flare-ups. Check the grill’s components, such as burners and ignition systems, for any damage or blockages that may affect its safe operation. Follow the manufacturer’s instructions for proper grill maintenance and cleaning.

Remember, these are general safety tips, and it’s important to refer to your specific grill manual for any manufacturer guidelines or recommendations. By following these precautions, you can enjoy your summer grilling while ensuring the safety of yourself, your loved ones, and your property.

To get a quote or discuss how we can help you with choosing your home insurance provider, call us at (800) 234-2103 or get a free 30 second quote on westernmutual.com.

The most common types of homeowners insurance claims vary depending on several factors, including the region, the type of property, and the policy coverage. However, here are some of the typical types of homeowners insurance claims:

• Water Damage: This includes claims related to burst pipes, plumbing leaks, appliance malfunctions, and water seepage.

• Fire Damage: Claims resulting from fires, whether they are caused by faulty wiring, cooking accidents, or natural disasters such as wildfires. Fire damage claims can involve the repair or rebuilding of the home and replacement of belongings.

• Wind and Hail Damage: These claims are common in areas prone to severe weather conditions like tornadoes and hailstorms. They may include roof damage, broken windows, and structural issues caused by high winds or hail.

• Theft and Burglary: Claims related to theft and burglary can involve stolen possessions, damage caused during break-ins, and sometimes even temporary accommodation expenses if the home is uninhabitable after the incident.

• Liability Claims: Homeowners insurance often includes liability coverage if someone is injured on your property. These claims may arise from slip and fall accidents, dog bites, or other injuries that occur on your premises.

• Vandalism: Claims resulting from vandalism, including graffiti, intentional property damage, or destruction caused by individuals.

It’s important to note that the specific coverage and claim types may vary based on your policy, so it’s essential to review your homeowners insurance policy and consult with your insurance provider for accurate information regarding your coverage.

To get a quote or discuss how we can help you with choosing your home insurance provider, call us at (800) 234-2103 or get a free 30 second quote on westernmutual.com.

Switching home insurance typically involves a few steps. Here’s a general guide to help you through the process:

1. Review your current policy: Take the time to understand your existing home insurance policy. Make note of the coverage, deductibles, limits, and any additional features or endorsements you have.
2. Assess your insurance needs: Evaluate your current situation to determine if your insurance needs have changed. Consider factors such as the value of your home, any renovations or additions, and changes in personal circumstances. This will help you find the right coverage when comparing insurance providers.
3. Get quotes: Contact multiple insurance providers to get quotes for comparable coverage based on your needs. You can usually request quotes online or by calling their customer service. Provide accurate information to get an accurate quote.
4. Purchase the new policy: Finalize the switch by purchasing the new home insurance policy. Provide all required information and make the necessary payment to initiate the coverage. Ensure there is no gap in coverage during the transition.
5. Notify your current insurer and cancel the old policy: Once you have your new policy in place, contact your previous insurer to cancel your old policy effective from the start date of your new policy. Confirm the cancellation process and any potential refund you might be eligible for.  Keep proof of cancellation for your records.

To get a quote or discuss how we can help you with switching, call us at (800) 234-2103 or get a free 30 second quote on westernmutual.com. 

Taking care of your home on a consistent basis can be time consuming, but cost saving and useful in the long run. Staying on top of home maintenance will help foster a safe, healthy and comfortable home for you and your family. We are here to help with a to-do list broken down into when and how often they should be completed.

Quarterly to-do list

• Check for pests and look for possible entry points into your home.
• Deep clean kitchen.
• Look for leaks around toilets and sinks.
• Inspect grout and caulking in shower and tubs.

Twice a year to-do list

• Wash windows and screens.
• Test smoke and carbon monoxide detectors.
• Clean gutters and downspouts.

Annual to-do list

• Have a licensed roofer inspect roof for damaged or loose shingles.
• Clean out dryer vent.
• Defrost freezer.
• Power wash and reseal deck.
• Have chimney inspected and cleaned.
• Check weather stripping around windows and doors.
• Flush water heater.

Always know where your main water shutoff and gas shutoff are in case of emergency.

For more tips or to learn about our A rated home insurance, visit http://www.westernmutual.com.