Jim Mansfield
- Mansfield Insurance Agency, Inc.
- Bright, Indiana, United States
- I have been an insurance agent for over 30 years. I also have a degree in education.
Thursday, April 28, 2011
Auto Insurance
For auto insurance, Mansfield Insurance Agency is your best source. Even if you drive an ATV, a recreational vehicle, motorcycle, snowmobile, or own a boat or personal watercraft, we can provide the right coverage with the best rates available. We also like to save you money, so be sure to ask about home/auto, multi-policy and multi-car discounts that are available. In addition, we can provide personal umbrella coverage for that extra layer of liability protection that’s needed in today’s litigious society.
Monday, April 25, 2011
Rain Rain Rain....backup of sewer and drain, sump pump failure.
Heavy rains can trigger a backup. A storm sewer or sanitary sewer backs up into your home and usually comes in through a sump well, washtubs in the basement, or toilets in the basement. However, the damage can happen anywhere in the house. Sump pump failures normally occur from power outages or motor failures. Sump pumps run on electricity and during a bad storm many times the power goes out. That’s when you need the sump pump the most, to pump the heavy water from the rain out of the basement.
The damage can be quite costly. Normally damage occurs in the basement, which houses the mechanical systems of the house such as: washer and dryer, furnace, hot water tank and the numerous items people store there. Water or sewage usually destroys anything it comes in contact with. For the thousands of dollars in damage, it would be well worth purchasing the additional coverage with your homeowner's policy to cover such an event.
Did you know a standard homeowner's insurance policy excludes coverage for such an event?
It's true. The backup of sewer and drains as well as the failure of a sump pump is excluded. The damage you sustain from either of these problems will not be covered and you'll be responsible to pay for the loss and the clean up. If you have a finished basement, or use your basement area for storage, you shouldn't go without this coverage endorsement.
This coverage can often be purchased as an endorsement on its own, or with an endorsement that will expand/increase other coverages on the policy.
Of course in areas that are flooding there will be a waiting period before coverage can be purchased!
The damage can be quite costly. Normally damage occurs in the basement, which houses the mechanical systems of the house such as: washer and dryer, furnace, hot water tank and the numerous items people store there. Water or sewage usually destroys anything it comes in contact with. For the thousands of dollars in damage, it would be well worth purchasing the additional coverage with your homeowner's policy to cover such an event.
Did you know a standard homeowner's insurance policy excludes coverage for such an event?
It's true. The backup of sewer and drains as well as the failure of a sump pump is excluded. The damage you sustain from either of these problems will not be covered and you'll be responsible to pay for the loss and the clean up. If you have a finished basement, or use your basement area for storage, you shouldn't go without this coverage endorsement.
This coverage can often be purchased as an endorsement on its own, or with an endorsement that will expand/increase other coverages on the policy.
Of course in areas that are flooding there will be a waiting period before coverage can be purchased!
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