Winter Freeze Safety Tips

Are you ready for the big chill? Please follow these guidelines to ensure you keep your family, your home, and your animals safe!

Here are some DO’s and DONT’s to help keep you safe this winter:

DO:

  • Make sure you have enough food, water, and prescription medication to last 3-4 days.
  • Bring all outdoor pets inside.
  • Use cat litter or salt for icy driveways if you must leave.
  • Remove debris from your gutters to prevent stagnant water that could freeze.
  • Have battery powered flashlights available.
  • Wear a tightly woven, preferably wind-resistant coat or jacket; inner layers of light, warm clothing; mittens; hats; scarves; and waterproof boots.
  • Bring potted plants inside or clump together; cover outdoor plants.

DON’T:

  • Don’t use an oven or stove to heat your home.
  • Don’t leave pets outside.
  • Don’t overexert yourself – stay hydrated if you are working outside.
  • Don’t place a space heater on top of furniture.

We all hope you stay safe and find these winter safety tips helpful!

Why Should I Invest in Flood Insurance?

Is there anything worse than undergoing a natural disaster? Perhaps there is, but dealing with the aftermath of a natural calamity is never child play. Floods are one of the most common disasters in the US. And boy, when floods strike, most residents are left counting losses upon losses. 

Given that floods are ubiquitous in the US, you might wonder how you can protect yourself. While arming yourself with precautionary tips during floods is superb, flood insurance coverage ensures that your home is livable even after floods damage.

Still not convinced why you should invest in flood insurance? Ellis Insurance Agency of San Antonio, TX, shares more reasons.

It may be required

While Texas doesn’t require residents to purchase flood insurance, your lender may insist you purchase coverage if you live in a flood plain area. And even if your property is in a low flood-risk area, your lender may still require you to invest in flood insurance. But whether flood insurance is compulsory or not, you need it. 

Home insurance doesn’t cover floods

Home insurance is an excellent investment to protect your home. Unfortunately, typical home insurance doesn’t cover flood damage. As a result, you require flood insurance from private insurers or the National Flood Insurance Program (NFIP) to protect your home against floods.

Floods can strike anywhere

According to FEMA, there is a 26% chance that you will experience floods at some point during a 30-year mortgage period! Floods can strike anywhere, and sometimes without warning. The only way you can be safe is by purchasing flood insurance.

Flood insurance in San Antonio, TX

If it rains, floods can strike anytime and anywhere. And even if you live in a low-risk area, you are not entirely safe. About 20% of flood insurance claims come from residents living outside high-risk areas! Are you ready to get started with flood insurance? Contact Ellis Insurance Agency today.