Do you worry about being sued? Have you ever watched a loved one lose everything over a simple misunderstanding? Are you scared to put in an insurance claim for fear of being cancelled? If you answered ‘yes’ to any of these questions, you are not alone. These are common fears.
Most people are afraid of being caught in a compromising situation and losing all of the possessions. For this reason, it’s important that everyone understands how to protect them selves from an unwanted insurance claim. Therefore, the purpose of this article is to list seven commandments that will help the average person avoid a claim.
You need to follow them like a scripture in the bible. And like a good verse, they’ll sometimes be difficult to follow, but the end result will always protect you.
Commandment #1: Thou shall leash up pets when visitors come. I know your dog has never attacked anyone. Yet, if a small child pulls on its tail or threatens its territory, your dog may attack. As a result, keep a dog on a leash when company comes over. It’ll ensure your visitor and assets safety.
Commandment #2: Thou shall keep your home in good repair. Lose floor boards, wobbly furniture, slippery rugs are invitations for a good fall. Since you live in your home, you know how to avoid the danger spots, but a neighbor or visiting family member may not. If they end up hurting themselves, the cost of the medical bills alone may force them to sue you. For this reason, you should keep your home in good repair. If you don’t know how to fix something, call a repair man. After all, the cost of good one will be small compared to the cost of paying a claim.
Commandment #3: Thou shall follow the rules of the road. Speeding is one of the most common rules of the road that most Americans break. Why? We are always in a rush. However, it’s always easier to be a little late than call your insurance agent to make an at-fault claim.
Commandment #4: Thou shall prune all trees. One of the most common homeowners claim is a charge that a tree fell into a neighbor’s yard and damaged a fence or roof. If a strong wind causes it, you may be blameless. However, if a rotten tree falls, your insurance may have to pay if it’s proven that is rotten due to poor maintenance. As a result, cut down and dispose of all dead trees. Then pare back your healthy trees in order to ensure all limbs stay in tact. Keeping your yard in good shape will do more than raise property values.
Commandment #5: Thou shall secure your property. Thieves always look for an easy mark. When targeting a victim they’ll look for an open window or unlocked door. For this reason, it’s important to use the locks on your home and car when left unattended. For extra safety, add in specialized alarms that will scare a thief away. They will act as an extra deterrent and help you avoid paying a deductible.
Commandment #6: Thou shall keep your car in proper repair. Faulty brakes lead to collisions. Shoddy engines catch on fire. Slick tires can take you into a ditch. What am I saying? Pay the money to fix whatever is wrong with your car before getting back on the road. If you don’t, you are an accident waiting to happen.
Commandment #7: Thou shall avoid buying property in high risk areas. If you know the property you’re about to buy is in a fire or flood prone area, think twice. Is it worth the stress associated with making a claim and rebuilding it? If the answer is ‘no’, then look elsewhere. Understand that beauty is everywhere and you can find a home just as good in a low-risk area of town.
You can avoid being involved in an unwanted claim if you follow these seven commandments. In essence, they are really only ways for the average person to play it safe and live a prudent life.