Flood Insurance in Klamath Falls, OR

Flood Insurance For Your Home

Flood Insurance in Klamath Falls, ORAccording to FEMA, flood claims occurred in every state in our country in 2016 with the average claim cost in excess of $31,000. Just because your property doesn’t sit next to a stream, river or other body of water doesn’t mean you won’t be impacted. Our recent hurricanes are a great example. Heavy rains can overwhelm drainage systems, run-off from hillsides can seep into your basements and levees can fail. Pretty much anywhere rain falls is where flooding can occur, although, rain is not always the reason. Additionally, it is important to note that flood insurance is NOT included with your standard homeowners insurance policy.

If you do experience a flood claim and have flood insurance, keep these things in mind:

  • Report your claim as soon as possible and have open and frequent communication with your insurance adjuster.
  • Photograph your damages (great if you have before pictures also saved to the cloud, not on a computer hard drive). Your insurance company will likely come out and photograph the damages as well.
  • Keep a list of all of the items you lost in the flood. Receipts are great as well as lists.
  • Take a read through your policy to ensure you understand your rights and coverage.

If you’re considering purchasing flood insurance, we can help. Flood insurance isn’t necessarily expensive. If you happen to live in a flood plain or near a body of water, chances are you’re likely going to pay a hefty sum. If you live away from typical flood areas, your premiums can be much more reasonable. Considering the average cost of a flood claim, it isn’t a bad idea to assess your risk.

If flood insurance is on your mind lately, give us a call.

If you have questions about your insurance, call the insurance agents at Pacific Ridge Insurance. We write business across the state of Oregon from our home office in Klamath Falls, OR. Policies can easily be written over the phone by calling (888) 337-5882.  With years of insurance experience, we can easily help you insure everything from your home to your auto or commercial auto insurance. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. You can also check out our website, 24/7.

How to deal with a fallen tree in Klamath Falls, OR

Who is responsible if your tree falls onto your neighbor’s house?

How To Deal With a Fallen Tree

How to deal with a fallen tree in Klamath Falls, ORNeighbors are great! You can count on them to keep an eye on your place while you’re away, let out a furry friend or even borrow some last minute ingredients! Shoot, some of your neighbors are probably some of your closest friends. But having neighbors can sometimes cause some uncomfortable exchanges.

With spring on the way, often high winds occur when the cold air and warmer air mix together. This, mixed with sometimes wet soil can bring a vulnerable tree toppling down. So, what happens when YOUR tree drops down onto your neighbor’s house, car, fence or other property? Who is liable for that and which insurance company should you call?

Well, the answer is most of the time quite simple. Whoever owns the damaged property is responsible to get the damage repaired – not the owner of the tree.

Let’s look at some specific examples:

Your tree falls onto your neighbor’s house:  Neighbor responsible to mitigate damages and call their own insurance company.

Your neighbor’s tree falls on your car: You should call your insurance company.

Now, proving any sort of negligence on the part of the tree owner is exceedingly rare. Trees die but can remain strong and standing for many years. If you or your neighbor has a tree that has died and you’re worried about it, you should call out an arborist. If the tree is the neighbors, have a conversation about the risks it poses and potential harm it could cause if it fell. Perhaps this will remedy the problem.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Pacific Ridge Insurance. They write business across the state of Oregon from their home office in Klamath Falls, OR. Policies can easily be written over the phone by calling (888) 337-5882.  With years of insurance experience they can easily help you insure everything from your home to your auto or commercial auto insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.

Power Outage in Klamath Falls, OR

Be Prepared for an Unexpected Power Outage

What To Do If Your Power Goes Out

Power Outage in Klamath Falls, ORWhen nasty weather hits it can be easy to say, “it won’t affect me, our power never goes out!” But, being prepared in the event that you do lose power will save you a lot of nervousness and more.

There are many things to consider when putting together an “out of power” kit. Simple things like blankets can be pulled off of beds, so consider other things like non-perishable foods, ways to light the house and core means to communicate.

Here is a list of items to consider for your powers out safety kit:

  • Non-perishable food such as canned goods, crackers, noodles or vacuum packed tuna
  • Water – make sure you have enough. Water goes fast when you use it for everything from brushing your teeth to other hygiene as well as drinking and cooking.
  • LED flashlights. LED because they last about 5x as long on batteries.
  • Emergency Radio or solar cell phone charger.
  • Candles – Emergency candles can last 7 days burning 24 hours a day! Make sure you get the right ones. Many are also wind resistant.

There are many things to consider for your different types of emergency kits, but fortunately you’re at home! Some things to consider when the power is out at home:

  • Unplug some of your more sensitive electronics. Electronics can become damaged when the power comes back on with the power surge.
  • Keep your refrigerator and freezer closed as much as possible. If the power is going to be out for a while, it can help deter spoilage. If possible, remove more temperature sensitive items like meat and dairy to a smaller cooler and fill with ice on the top.
  • If you suspect your food has spoiled, don’t risk it.

Generators are a great tool for when the power goes out, but they’re typically limited unless you have a whole house generator. If you’re going to use a generator, be sure to determine what appliances you want to run. Refrigerators require a large generator, so determine if it is even possible to run it. Using a generator to run lighting and small portable coolers is reasonable.

When the power goes out, be prepared.

If you have questions about your home, auto or commercial insurance, call the insurance agents at Pacific Ridge Insurance. They write business across the state of Oregon from their home office in Klamath Falls, OR. Policies can easily be written over the phone by calling (888) 337-5882.  With years of insurance experience they can easily help you insure everything from your home to your auto or commercial auto insurance. They live where you do and are an independent insurance agent, so they can help you find the right company to fit your needs. You can also check out their website, 24/7.