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JM Insurance Group

Tips to Prevent Common Home Losses

Be proactive! Employ these tips to help avoid having common home losses! 🏡

💧Water Damage:

– Install devices that notify you when there is a potential leak in your home. Water shut-off valves that are automatic are also on the market, but they tend to be spendier!

– Make sure that your gutters and downspouts do not have debris in them and are draining at least 3-5 feet from your foundation.

– Keep your home at 50 degrees or higher in the winter to ensure that your pipes do not freeze.

– Make sure your pipes are properly insulated during colder months.

– Inspect lines leading up to appliances that use water such as dishwashers, washing machines, and fridges at least annually. Stainless steel hoses tend to be longer lasting!

🔥 Fire Prevention:

– Ensure that the smoke and CO monitors in your home get a battery charge twice a year! Install them on every floor near sleeping areas.

– Replace old or damaged electrical cords.

– Don’t overload outlets or surge protectors.

– Check your grills before barbecuing in the Summer for any debris. Make sure they’re not close to your house.

– Clean chimneys annually and dispose of ashes properly.

– Keep flammable materials away from space heaters!

🚓 Theft Prevention:

– Keep the area around your home well-kept so that your sight lines are not inhibited.

– Make sure all parts of your house that allow access inside are locked/can be locked.

– When on vacation, put your lights on a timer! Have neighbors collect mail while you are gone, and don’t post pics of your trip until you are back home.

– Hook up motion sensors to your exterior lights.

#themoreyouknow

Fungus among us? Not if we can help it!

What steps can you take to prevent mold growth in your home? 🦠 🫟 Avoid keeping spaces stuffy! Run fans while using the shower or kitchen, and open windows to provide a breeze. 🫟 Keep an eye on plumbing, roofs, and gutters often. If you have a leak, take steps to prevent water from pooling/fix the damage as best as you can within the first 48 hours to have the best chance of avoiding microbial growth. 🫟 Keep air flowing!

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Wind/Hail Deductible Cost Options

Do you have a high wind/hail deductible on your home policy? We have options! 💨 There are plans called Deductible Buyback plans that pay an amount towards your deductible. These plans usually come at a yearly cost, and can help lessen the financial strain on your wallet when it comes to the out of pocket expense tied to filing a claim. Call us today at 406-534-8008 to learn more!

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Wind Storm Damage Minimization

Check out this guide from FEMA that details how to secure your property before sever winds occur! https://www.fema.gov/sites/default/files/2020-11/fema_protect-your-property_severe-wind.pdf

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Prevent Banking Fraud

Stay alert, prevent banking fraud before it happens! **Beware of Phishing** DO NOT click on links or respond to any messages that come from an unknown source. If you suspect your bank sent you a message, call or use their online portal to confirm first. **Do not use public Wi-Fi** Avoid using public Wi-Fi for banking transactions, as it is less likely to be secure than using your mobile data. Do not access personal information or websites on public networks.

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Pet Insurance

Did you know that we offer pet insurance for your furry friends? 🐶🐱 We have plans that range in level of reimbursement/price! Give us a call today to get quotes. 🐾 #petinsurance

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