Homeowners Insurance Claims /Cooking Fires Reach #1

Homeowners Insurance ClaimsPost Date February 8, 2014 – A recent Nationwide Homeowners Insurance Claims Study shows cooking fires cause the majority of homeowners insurance claims.  These homeowners Insurance claims are among the most frequent and most expensive repairs. The study shows homeowners insurance claims from cooking fires average  a final cost of more than $29,000 per claim incident.  This more than 4 times more than the next most expensive homeowners insurance claim which is weather related and break in.

Homeowners Insurance Claims because of cooking fires can be avoided.

Nationwide Insurance Company COO and the President of Nationwide Insurance company announced that fires caused by cooking comprised 17% of all their claims of all homeowners insurance claims last year. According to Nationwide Insurance Company, the months with most kitchen fires is in the month of March.  These are followed by the months of April, December, October and May. The National Fire Protection Association (NFPA) showed that one in every 25 homes have experienced a cooking fire in the last 10 years.  An estimated number of 156,400 home fires that were reported in 2013.

These homeowners insurance claims associated with fire incidents also had a human cost. Over 400 individuals died and over 5,000 individual injury. The cost of property damage amounted to nearly one billion dollars.  To prevent cooking fires and the homeowners insurance claims associated with them,  any insurance company must advise homeowners not to leave their cook top area unattended.  Things easily catch fire close to heat source like a stove burner. To ensure cooking appliances are safely utilized, homeowners should always keep close attention when cooking. Residents need to always have functioning smoke alarms and to have a fire escape plan.

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PA Insurance Points For Deadly Driving Behaviors

PA Insurance PointsPost Date February 1, 2014 – A recent study by the AAA Foundation for Traffic Safety found that most PA Drivers desire to observe safe driving practices.  Other PA Drivers will be assigned PA Insurance Points for their deadly driving behavior.  Texting, talking on a hand held Cellphone, Shaving, putting on lip stick; all these are considered deadly driving behavior and will earn you PA Insurance Points.

PA Insurance Points will cost you much more for your PA auto Insurance policy

We all understand these simple acts are common place for many drivers in PA.  Other states have  taken steps to regulate these simple habits by creating laws to punish those drivers who continue texting while driving and practice other distracted driving habits. The survey shows drivers feel texting  while driving is a serious threat.  Sadly, nearly 40% of the drivers also admitted they text, call, and e-mail while they drive. Others also admit to Drinking and Driving.  This will earn you more than PA Insurance Points; you will lose your license and go to jail. All drivers consider driving after having a drink to be serious a threat. Although unacceptable,  nearly 15% of all drivers whom admitted to have driven a vehicle although aware their alcohol level is legal allowed limit.

There are other deadly driving behaviors which don’t seem as serious.  Of those PA Drivers surveyed, one out of four drivers admit that they do drive without wearing their seatbelt, run red light and Speed above the post speed limit. Speeding over the  posted limit especially on highways and even in residential roads tops the list. Three Quarters of all drivers say speeding is unacceptable.  Still, 15% of those drivers report speeding at least 15 MPH over the post speed limit.  percent of these drivers admitted that they have done it so. Almost all drivers consider it to be unacceptable to run through a red light but 37 percent admitted to have done it.