Summers mean backyard grilling – safely!
Just like hamburgers and hot dogs, a sizzling grill is a symbol of summer and grilling isn’t just about great food. Backyard barbecues often create treasured memories with friends and family. Keep in mind, however, that when you grill, you’re literally playing with fire. Thousands of residents each year learn this the hard way, suffering damage to their homes or even serious injuries in grilling accidents. There’s good news, though: You can prevent grilling accidents by taking some simple precautions. The tips below can help ensure you cook only your burgers — and not your house — the next time you fire up the grill.
TIPS FOR ALL GRILLS
Your grill, whether gas or charcoal, should be on a level surface outdoors, away from anything that could be ignited by flames (bushes, fences, etc.). NEVER use a grill indoors. Odorless carbon monoxide fumes could kill you. Keep your grill clean and well-maintained. Check parts regularly to determine if replacements are needed. Never leave a hot grill unattended or let children play near it.
CHARCOAL GRILL TIPS
From Kingsford.com Do not add lighter fluid directly to hot coals. The flame could travel up the stream of fluid and burn you.
Never use gasoline or kerosene to light a charcoal fire. Use flame-retardant mitts and long-handled barbecue tongs, as coals can reach up to 1,000 degrees. To dispose of coals, allow the ashes to cool for at least 48 hours before disposal in a non-combustible container. If you cannot wait 48 hours, carefully place coals individually in a can of sand or bucket of water.
GAS GRILL TIPS
From the National Fire Protection Association Check your grill’s hoses for leaks before using it for the first time each year. Apply a light soap and water
solution to the hose. A propane leak will release bubbles. If you have a leak, and it will not stop after the grill and gas is turned off, call the fire department. If the leak stops when the grill and gas are turned off, have your grill serviced by a professional. If you smell gas while cooking, immediately get away from the grill and call the fire department. Do not move the grill. Do not keep a filled propane tank in a hot car or trunk. When getting containers refilled, make that your last stop before going home. Store propane tanks in an upright position, and never indoors.
From all of us at The Fite Agency – rockwallinsurance.com, happy grilling, and stay safe this summer!
Insurance and Rebuilding Your Home
Do you have enough coverage on your home to rebuild it if it burned to the ground? What does your appraised value have to do with your dwelling coverage amount?
July 5th, Joe and Sarah are awakened at 5:30a to someone banging on their door and repeatedly ringing the door bell. They hear, ‘WAKE UP, WAKE UP!!! YOUR HOUSE IS ON FIRE!!!’ Could this be you? YES!!! Their house burned to the ground along with all their belongings. Luckily no one was hurt. Now what. They call their insurance agent. The agent quickly contacts someone to begin cleaning up the mess and helps the client get their claim started. They will need a place to stay, some clothing and to begin the demolition and rebuilding process. What if, during the initial insurance purchase process the biggest concern to Joe and Sarah was the premium and not what the policy covered or if there was enough coverage. This could lead to a coverage amount of less the necessary cost to rebuild a home. On average the minimum cost to rebuild starts @ $100/sqft. Question: What do Joe and Sarah do if they are under insured? Answer: They have to pay out of pocket any additional costs associated with rebuilding their home.
How do you keep this from happening to you? Review your reconstruction cost calculation on your insurance policy with your Agent. Make sure your policy contains a dwelling coverage amount that meets or exceeds the estimator; no less than $100/sqft. If ever in doubt, ask about extended replacement cost. A common question is “Shouldn’t my house be insured for the same dollar amount as the appraised value of the home?” The answer is no. The appraised value of your home is what the home is worth at that moment. As the housing market fluctuates, so does your appraised value. The dwelling coverage amount is simply the amount it will take to rebuild your home if it were to a total loss. Appraised value and dwelling coverage are like comparing apples to hamburgers, not even in the same food group.
We are happy to review your current policy coverages with you. The last thing you need is to have to come up with additional funds because your house burned down. Call our office anytime to make an appointment today!! 972.772.0540 or you can email us at
Shopping for a home? Call your insurance agent
Your insurance agent may be one of the last people you think you need to consult when shopping for a home. But you should view your insurance agent as an important partner in the home buying process, just like your real estate agent and mortgage lender.
Why? Some homes cost significantly more to insure than others, which can drive up your monthly house payment. In other cases, there may be needed repairs before you get can get coverage. That’s something you don’t want to find out a day or two before you’re scheduled to close. Here are some types of properties that can be costly to insure:
Distressed homes. Bank-owned properties can be great deals. But they also can have a number of issues, such as peeling paint, a roof that needs to be replaced or a crumbling patio. These would all have to be addressed before the property would qualify for homeowner’s insurance coverage.
Older homes. Older heating, cooling and wiring systems or anything that doesn’t meet construction code could be a concern.
Homes with safety issues. Some homes have safety concerns, such as stairs and steps without handrails or a lack of fencing around swimming pools.
A quick call to your insurance agent when you find a home you’re thinking of buying is a good first step. Happy house hunting!
Crazy Accident, Underinsured and GAP!
Everyone has a budge, but when it comes to providing the best value, it is coverage first! This value proposition was proven by the decisions one of our customers made about their auto insurance policy. With the permission of our client we have posted pictures of a recent accident on The Fite Agency facebook page www.facebook.com/thefiteagency . In the accident, our client had right of way. The damage resulted in the vehicle being totalled. Our client had chosen to have Uninsured/Underinsured Motorist coverage on their policy as well as GAP coverage also known as auto loan/lease coverage. The vehicle that was at fault could potentially have no inusurance or the state minimum limits of liabilitly. Both would result in inadequate coverage to pay for the totalled Range Rover. The Uninsured/Underinsured motorist coverage would pick up the difference in the coverage and ACV of the vehicle. But what about the difference between the actual cash value (ACV) of the totalled vehicle and the loan amount. That is where the GAP coverage comes in. A loan amount can exceed the vehicle value for many reasons including depreciation and higher interest rates. Be careful though because roll over these may not be covered: 1. Cost for extended warranties 2. Credit Life Insurance, Health, Accident or Disability insurance purchased with the loan or lease; or security deposits not refunded by a lessor;financial penalties imposed under a lease for excessive use. 3. Abnormal wear and tear or high mileage 4. overdue loan/lease payments at the time of loss
Call our office to learn more about how we can give you the best insurance value; customized specifically to meet your needs. 972-772-0540
Insurance Companies We Represent
At The Fite Agency we’ll work with you to understand your unique insurance needs. We’ll follow up with many fine insurance providers to deliver high-quality; affordable insurance options tailored to deliver the value and coverage you’re seeking.
Call us today 972-772-0540 or click on the quote now button to get free insurance quotes 24/7 instantly.
Some of our insurance partners include the following industry leaders:
Safeco, MetLife, Hartford, Kemper, Stillwater, Progressive, etc.
The Fite Agency is independently owned and locally operated to handle your insurance needs. We write all counties in Texas including
We offer affordable and reliable insurance choices all across Texas and are adding new states every year. We are also licensed in Arkansas, Arizona, California, Colorado, Indiana Kentucky, New Mexico, South Carolina, Tennessee, and growing
THE FITE AGENCY: More Options, Better Coverage…Less Money!!. Call for a quote today at 972-772-0540 or click on the Quote now button to get quotes instantly 24/7.
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