Mobile View
Edwards Graham Insurance Del Rio Texas
Fall Home Owner Tips
Fall Maintenance
Back

After the relaxation of the summer months, it's time to prepare your home for the cooler days ahead. Please take a moment to review this important fall maintenance checklist.

  • Have your furnace cleaned and inspected by a qualified technician annually.
  • Keep all flammable materials, including all lawn and power equipment, away from water heaters and wiring in the basement, utility rooms and garage.
  • Insulate exposed water pipes in areas exposed to cold temperatures and turn up the thermostat during extra cold periods.
  • Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating. This is especially important during the fall season to keep leaves from building up in gutters.
  • Check the caulking around doors and windows for deterioration.
  • Check caulking around showers, bathtubs, sinks and toilet base, and make repairs as needed.
  • Have your chimney cleaned and maintained annually by a professional.
  • Clean and/or replace your furnace filter.
  • Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust, and pieces of material or cloth.
  • Check your electrical outlets for potential fire hazards such as frayed wires or loose fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service.
  • Keep a multi-purpose fire extinguisher accessible that is filled and ready for operation.
  • Inspect your smoke detectors. Make sure that there is one on each floor of your home. Test them and change the battery every three months or as needed.
Are Your Insurance Limits High Enough? by Rachel Beavan

You may have seen a recent tv commercial showing a young man and his parents in a courtroom. They have just found out that they have to pay for a lawsuit settlement that exceeds their insurance limits. Can this really happen? You bet! There is another tv commercial where an attorney is telling you that if you are on a jury, you cannot base a judgment against someone on their insurance limits. This is a bit more confusing, but what he is telling you is that if you are sued for an auto accident, a jury will determine how much you owe the other party without knowing what your insurance limits are. There is a good chance they could decide that you owe more than your insurance limits. If that happens, where does the money come from? It could come from your savings, college funds or your IRA. You could be forced to sell some of your assets. Your wages could be garnished. The answer is…the extra money comes from you. In a turbulent economy, most people only think about how much their insurance will cost them. If your insurance agent is doing his job, he or she will give you options in coverage limits based on your individual situation. What do you have to lose if you are the one in that court room facing that jury? How do you know what your insurance limits are? Look on your policy. Texas requires minimum auto insurance limits of $25,000 per person for bodily injury up to $50,000 per accident, regardless of the number of people in the car. If you cause an accident, and the other party requires surgery, how far will $25,000 take you? If the operation is $50,000, your insurance company will only pay the top limit of $25,000. Are you financially prepared to pay for the rest? Wouldn’t you rather spend that $25,000 on something for your family? How do you know what insurance limits are right for you? Your agent should be talking to you about this. Here’s where to start…make a list of all of your assets. This includes your home, your cars, your checking and savings accounts. Then consider your household income. How much do you need to protect? That will give you an idea of what insurance limits are right for you. Then talk to your agent before you end up in the courtroom.