Category Archives: homeowners

Vacant home insurance

What can you learn from this DENIED homeowners insurance claim?

Just suppose your fridge Leaked for 2 Days like Tammy Godby’s did?

The Floor is ruined.

The down stairs ceiling is ruined.

The downstairs carpet is ruined.

IMAGINE having to lay out $10,000 to dry out and repair your home all due to a $5.00 ice maker hose that burst.

Here comes the BAD part.

Imagine calling your homeowners agency only to find out the claim was denied!

What would you do?




Spit nails?

How could this happen?

Isn’t this why you buy home insurance?

Lets look deeper into what happened.

Apparently the family moved OUT of their old house where the pipe had burst into a new home.

The home had been empty and VACANT for 10 days.

It was during this 10 day vacant period that the accident had happened.

Why was the claim denied?

“They denied the claim because they claimed it was customarily unoccupied,

Simply put…

If your home is VACANT without any furniture or belongings then it will be denied.


Vacant Home, Coverage Denied

You invest in a SEPARATE policy for vacant homes.

The problem is that unattended water pipes can FREEZE, burst, leak and cause major damage in a home there is no one to turn the water off in!

The lesson?

If you are moving into a new home…

And your home will be empty for a few days…

YOU can take a GAMBLE like this woman did.

Or contact your agent that helped you get home insurance in Atlanta and explain the situation so they can get you the proper coverage.


Clean your fire place regularly

Prevent chimney fires

There is nothing better than a TOASTY fire.

PLUS a good book to read.

A glass of wine.

And someone to SNUGGLE with.

Life is good 🙂

There is a dark side to fireplaces however.

What if it told you a potential house fire could start at any moment.

Are you listening yet?

chimney damage causes fires

What do you NOTICE about this picture?

Chimney damage can start home fires.

In fact did you know that an average of 22,000 fires occur each year because of chimney fires?


Did you know it cost homeowners about $ 120 million dollars a year in damages to repair them?

Did you know that about 10 people die every year from chimney fires?

What is the answer to protect your home and family?

Regular annual cleaning, inspection and maintenance by a professional chimney expert is the solution.

REMEMBER this isn’t an expense it is an INVESTMENT in your homes protection and your families welfare!

Does your chimney look like this now?

That may mean you have already had a fire and didn’t even know it.

How to tell if you have had a chimney fire

  • If you see cracks in exterior masonry
  • If you see  smoke escaping through mortar joints of masonry
  • If you see discolored and/or distorted rain cap

You have probably had a fire already.

Why wait until the roof or attic catches fire?

Keeping a clean well maintained fire place is a good home insurance policy!

Reach out to a chimney sweep and repair company today so you can enjoy many toasty safe fires in the future!

Shopping for home insurance in Stamford ct or home insurance in Groton CT?

Ask your agent about a local chimney sweep in your area.