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Breaking News at HMICIntroducing The New HG 4900 - Equipment Breakdown CoverageThis coverage provides repair or replacement cost coverage for damage caused by equipment breakdown in your dwelling or other structures. It includes damage to covered property caused by 1) mechanical or electrical breakdown, 2) tearing apart, cracking, burning, or bulging of steam or hot water heating system or air conditioning system. Applicable to our Homeowners (HG2), Standard Homeowner (HG3) and Preferred Homeowners (HG3) policies, the following are examples of covered equipment: Central A/C • Ventilation Systems & Fans • Boilers • Water Heaters • Furnaces • Heat Pumps • Heaters & Solar Heaters • Deep Well Pumps The New HG 4900 can be added to new business and renewal policies with an effective date of July 1, 2009, or later. Please contact yourFarMutual agent for additional information. Home EditionExcerpts on Accidents in the Home1Did you know . . .
Falls are the No. 1 cause of death or injury in the home. Stairs, rugs and extension cords are the top 3 on the list of culprits. Next comes carpeting, then comes slick areas (kitchen and bathroom floors). Other fall hazards include ladders and jagged furniture. Accidents are the most preventable killers. Falls can be prevented by making your home a safe place to walk and/or maneuver around in. So, keep stairs clear and use nonskid mats. Paint or mark each step making each rung more visible. Use nonskid tiles in the kitchen and bathrooms and install grab bars for the person who needs them.
For educational programs to improve home safety visit:
5 Home Repairs You Shouldn’t Ignore2Use our expert advice to stop trouble in its tracks“Don’t put off to tomorrow what you can do today”. Many would agree that procrastination can be costly - the tendency is to wait until ‘things get better’. However, some problems, when left unchecked, can lead to thousands of dollars in repairs - rebuilding a foundation wall, for example. While others, like mold contamination can compromise your family’s health. So, here is a question for you: If there are 10 things that can go wrong with a house, how many of them have to do with water? The answer is: “15 of them” according to Bill Loden, a home inspector from Madison, Alabama. (It would seem he’s trying to make a point).
Now that water has been identified as a major cause of problems, let’s test your knowledge even further. Which of the following is the easiest way for water to enter your home? Is it: gutters and downspouts, roof and siding, cracks in the foundation, or an internal broken water pipe? For the answer and more about the high cost of procrastination . . .
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