Two Ways to Construct a List

How to Keep a Home Inventory Checklist in Auburn, WAFor most of us, we won’t have to experience a disastrous home loss such as a flood, fire, earthquake or other disaster. That doesn’t mean any of us should be less prepared for such an event should one occur. Preparing a home inventory can be a large task, but taking the time to do so can make a difference of thousands of dollars when it comes to your claims settlement as well as simple ease of processing your claim.

For many of us, where we live symbolizes us and what is in that house symbolizes our lives. Our belongings represent our memories, personal style and even investments that hold significant value such as art.  When you add up how much all of your personal items are worth, it can be a substantial figure into the many 10s of thousands of dollars or more.

Home insurance claims from disasters such as flood or fire are traumatic. A home inventory checklist can help you remember quickly what items you had. Would you recall exactly how many pairs of jeans you had and what brand they were? Would you recall how many pairs of shoes you had or what brands they were? What about art? Could you recall the name of the artist and how much you paid for it?

Taking the time to inventory your home can be useful in the event of theft or damage to the contents of your home. Keep track of your items with this easy to use chart! You can even attach photos of your items and quickly send this chart to your insurance agent to help speed up the claims process. Another way to document is with a thorough video or video series. Be sure to store your home inventory checklist in a safe place like in the cloud.

The good news is your insurance agent likely gave you sufficient coverage for your personal property. If you feel like you need more, be sure to tell your agent. Home, renters and condo insurance policies typically come standard with this coverage.

It is our goal at Head and Malesis Insurance to provide you with the service you deserve and the knowledge you expect. Head and Malesis Insurance has been providing Washingtonians with insurance options for 30 years! We value each of our clients and want to do everything we can to exceed your expectations. We are here to answer your questions, address your concerns, advise you when needed and provide you with an overall, positive insurance experience. If you want to discuss your home, auto or other insurance needs, please feel free to call our agents or visit us online on our insurance website. We also provide life insurance.

Winter Weather Driving Tips

How to Drive Safely in the Snow & Ice in Auburn, WAIt’s important for every driver to know how to drive in winter weather conditions. It can be challenging to drive in these conditions, but with the knowledge of the information below, you’ll know how to stay safe on the road.

  • Be sure your car has plenty of antifreeze. You do not want to run out while driving in poor weather conditions.
  • Make sure your windshield wipers are in good condition and that your wiper fluid remains full. Dirty roads can cover a windshield with dirt quickly impacting your visibility.
  • Keep control of your vehicle by not using your cruise control settings.
  • Pack the essentials in your car in case you get stuck. A flashlight, roadside visibility reflectors, a snow brush and ice scraper, jumper cables and a bag of sand to help with traction are all key items that can help you deal with winter weather.
  • Always check the road conditions before you leave on your trip. Once you know the weather conditions, be sure to leave earlier so you don’t have to feel rushed. Giving yourself the extra time allows you to drive at an appropriate and safe speed.
  • Brake appropriately on slippery surfaces. If you start to skid, take your foot off the accelerator until you regain traction. Many people want to slam on the brakes when they notice their car starting to skid.
  • Give yourself more distance between the car ahead of you. When the weather conditions are poor, you will need more space between the car ahead of you to stop.
  • Know where to be extra cautious. Bridges, ramps, overpasses and shaded areas are likely to freeze first and can be extra slick.
  • To defrost your car, turn on your front and rear defrosters. Don’t use your windshield wipers. Once your car has warmed up slightly, use your plastic ice scrapers.

Knowledge is the first step to becoming a safe driver. Having the awareness and driving skills can help you stay safe in less than optimal weather conditions.

It is our goal at Head and Malesis Insurance to provide you with the service you deserve and the knowledge you expect. Head and Malesis Insurance has been providing Washingtonians with insurance options for 30 years! We value each of our clients and want to do everything we can to exceed your expectations. We are here to answer your questions, address your concerns, advise you when needed and provide you with an overall, positive insurance experience. If you want to discuss your home, auto or other insurance needs, please feel free to call our agents or visit us online on our insurance website. We also provide life insurance.

It’s a brand new year at Head and Malesis Insurance and we are so excited to see how the year unfolds.  As a team, we have been talking about how we can be more in touch with our clients and also pass along important information and address insurance related topics that we are dealing with in our own lives.  That being said, we are launching our new blog, so that we can share things that we are working on and the things that people want and need to know.

One of the things that our team has been discussing a lot is how to be more prepared for a natural disaster, especially the possibility of an earthquake in our area….you know, the big one we keep hearing about.  Just like everyone else, we have taken note of all the smaller earthquakes in our area and read the countless articles about what might happen if a large earthquake took place here in the Northwest.   We know it’s important to take the time to prepare, so we wanted to share some information on how to put together an emergency preparedness kit.  You just never know when the next earthquake will be in our area but we would love for you to have some piece of mind, knowing you have the right supplies ready.

What You Need in an Emergency Kit

You never know when a natural disaster is going to hit the Pacific Northwest— or even just a big storm that knocks out the power for a few days.

That’s why having an emergency kit for you and your family is so important. It’s not hard to put one together, yet there are still many households that would be completely unprepared if they had to evacuate their home for a few days. Or, for that matter, remain in their home without access to running water or electricity.

Below is a list of basic items for your emergency kit, as recommended by the Federal Emergency Management Agency. Of course, you can add or remove items as needed to meet the specific needs of you and your family.

One gallon of water per person per day for at least three days.

A three-day supply of nonperishable food for people and pets. (Note that the Red Cross recommends keeping a two-week supply of food and water on hand at home.)

A battery-powered or hand-crank radio, flashlights and extra batteries.

A first-aid kit.

Prescription medications and glasses.

Dust masks to filter contaminated air, along with plastic sheeting and duct tape to create a makeshift shelter if necessary.

A whistle to signal for help.

Moist towelettes, garbage bags and plastic ties for personal sanitation.

A tool to turn off utilities.

A can opener.

Local maps.

Additional items that are likely to be useful:

Important documents, such as copies of insurance policies, identification and birth certificates, bank account records, etc. Be sure to keep these in a watertight container.

Extra cash or traveler’s checks.

Warm blankets or sleeping bags for each person in your family.

Matches.

Paper plates, plastic cups and utensils and paper towels.

Paper and pencils.

Books and activities to keep kids busy.

Emergency reference material, such as a first-aid book.

A complete change of clothing for everyone in the family, including a long-sleeved shirt, long pants and sturdy shoes. If you live in a cold climate, you might pack additional clothing and bedding.

Keep in mind, when you need your emergency kit, you really need it. It’s a small investment of time and effort that can have a huge benefit in case of a disaster. And you don’t have to spend your whole day putting it together — spread out the work over a few days and youll be prepared in no time.

Our agents at Head and Malesis Insurance are also a knowledgeable resource regarding earthquake insurance.  With earthquake damage typically not covered by your standard homeowner policy, earthquake insurance can be an important addition to your coverage.  If you have questions, we are here and ready to help answer them!  We can even provide you with a quote for earthquake insurance, so you can make an informed decision regarding whether or not earthquake insurance is right for you!  Give us a call at (253) 939-0580 today.