Category: 2014 2015 Winter Forecast

Septic Pumping Importance

2/5/2015

Cape Cod Home Insurance

Since septic tanks are out of sight and out of mind, it is easy for this most important system of the home to be neglected and even forgotten.

Septic pumping removes the build-up of solids known as scum and sludge so that your entire system can continue to work properly. Avoid system back-up and a failed system with regular septic pumping. With regular pumping your septic system could last up to 30 years; without maintenance of your system it could fail within 5 – 10 years. The MassDEP recommends that systems be pumped at least once every 3 years for homes not having a garbage disposal.

Included in the Pump Fee

Digging 1 foot to cover
Up to 100 feet of septic hose ($15.00 per each additional twenty feet of septic hose).

Up to 100 feet of septic hose ($15.00 per each additional twenty feet of septic hose).

Pump & clean tank

1 back flush if necessary

Take notes on the condition of the tank

Filling in of hole neatly, replace removed turf

Exceptional service

Our FREE automatic Reminder ProgramIt’s not uncommon for an owner of a septic system to lose track of the time between system servicing. Enrolling in our yearly or bi-yearly maintenance program will ensure that your system is pumped regularly, avoiding costly repairs or possible system failure. Once a schedule is determined we will put you on an automatic reminder program at no cost or obligation to you.

Warning Signs of Septic System Failure

Gurgling noises in household plumbing, pipes and drains

Unpleasant sewage odor

Sluggish drainage in home, such as slow flushing of your toilets

Plumbing backs up

Greener, wet or marsh-like around the septic system

Tips to Keep Your Septic System in Tip Top Shape

Conserve water to reduce the load on your septic system.

Divert rain water, from gutters and foundation drainage, away from the septic system.

Never flush cat litter, disposable diapers, sanitary napkins, tampons, paper towels, facial tissues, coffee grounds, cigarette butts, or similar items down the toilet.

Use garbage disposals wisely as they can double the amount of solids added to a septic tank.

Do not pour grease or hazardous chemicals down your drains.

Keep trees away from your septic systems to avoid root infestation.

Have your septic pumped regularly. Not sure how often?

Our Title V Septic ServicesOur other septic services include title v septic design, installation, repair, upgrades. If you would like to confirm the condition and proper functioning of your septic tank please call us for an informative septic inspection. In addition, when you sign up for our septic pumping reminder program you’ll receive a postcard reminder when you are approaching your next expected pumping!

Davidson Calfee

Arthur D. Calfee Insurance Agency, Inc.

Source: Cape Wide Enterprises offers

Click HERE for a FREE Home Insurance Quote

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Calfee Home Advantage Making Our Cape Cod Customers Feel More At Home

1/25/2015

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Cape Cod Home Insurance

Protect your family, home and belongings with homeowners insurance (or home insurance)—provided and serviced by Calfee Insurance and their select homeowners insurance companies.*

Get insurance coverage for a number of expenses, from medical care for someone who got injured on your property to repairs if a windy storm or fire damages it.

Basic homeowners policies cover damage to the house caused by fire, vandalism, hurricane, lightning, or other specifically covered events. Homeowners policies also cover loss or damage of personal property due to theft or other covered events. Expensive collections of jewelry or furs might need additional rider policy coverage. Losing possessions can be a shock if you never considered that possibility when opting against homeowners insurance. Policies also cover liability up to certain limits, protecting the insured in case someone injures himself on the property. They also pay for costs if someone sues the homeowner. Some people increase the amount of liability insurance they have with umbrella or extension coverage.

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Understanding Homeowners Insurance

1/25/2015

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Coverage
According to a survey published in the Journal of Financial Planning, many homeowners have vastly misguided views of what their homeowners insurance actually covers. According to this survey conducted by the National Association of Insurance Commissioners, "One third of homeowners believe flood damage will be covered by their standard policy. Over half think their policy covers them in the event of a water line break. Thirty-five percent say they will be compensated for an earthquake, and a slightly lesser proportion thinks mold is covered."
In actuality, the typical perils (causes of property destruction) that are typically not covered are:

Flood damage (this is a separate policy)
Earthquake (this is also a separate policy)
Mold
Acts of war
Parts of the property in disrepair (Including worn-out plumbing, electrical wiring, air conditioners, heating units and roofing).

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Cape Cod & Islands Flood Protection

12/1/2014

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Cape Cod Flood Insurance

By Mark Williams
The Columbus Dispatch

This is a new twist for the insurance industry.

Normally, it’s severe storms, tornadoes, hurricanes and wildfires during the spring and summer that produce the biggest catastrophic losses for the industry. This year, it’s snow, ice and cold.

The polar vortex in January and now the 7 feet of snow that has fallen in the Buffalo area this week figure to be the costliest storms for the industry this year, said Bob Hartwig, president of the Insurance Information Institute.

“It’s very unusual for winter-storm losses to be leading catastrophic losses,” Hartwig said.

Winter storms typically produce the third-most-catastrophic losses, totaling 7 percent of all claims, according to the institute. Tropical storms and tornadoes are first and second at 40 percent and 36 percent, respectively.

January’s polar vortex caused about $2 billion in insured losses, Hartwig said.

Cold weather that pushed wind chills as low as 49 degrees below zero, combined with ice, heavy snow and high winds, froze pipes and damaged roofs in Ohio and other states in the Midwest, East and Southeast.

The Ohio Insurance Institute has tabulated the polar-vortex losses in the state at $97.8 million to $124.4 million, making it the second-costliest winter storm since 1993.

It’s far too early to get a sense of the damage caused by this week’s snowstorms in western New York.

Nationwide has reported only a handful of claims so far, and State Farm, the No. 1 issuer in New York, has said it, too, has received just a small number of claims. Nationwide is No. 8 in New York, but a further breakdown about the Buffalo market was not available.

Both insurers expect claims to rise when the weather warms up a bit and homeowners can better assess the damage. There has been so much snow that there have been reports of roofs collapsing under the weight.

The problems in that region might get even worse because flooding is expected as the fallen snow begins to melt over the weekend and rain is forecast.

“It could be weeks before we get a good picture of how bad it will be,” said Missy Dundov, a State Farm spokeswoman.

Claims from winter storms can be costly.

A report issued yesterday by Hartford Insurance said the cost of a claim for damage caused by frozen pipes runs about $18,000, while a claim for a hail-damaged roof might be about $10,000. Downed trees can cause damage of $3,000 to $5,000.

In addition to homeowner claims, Hartwig said there typically is a spike in auto claims from the kind of storms that hit Buffalo because they cause crashes and trees to fall on vehicles.

The snowstorm and the vortex follow what have been several years of extreme weather around the country, including superstorm Sandy, powerful tornadoes and the derecho, which was one of Ohio’s most-damaging storms.

Every year generally produces some kind of extreme weather event that insurers have to be ready for, say those in the industry.

Click HERE for a FREE Flood Insurance Quote

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Septic Pumping Importance

Calfee Home Advantage Making Our Cape Cod Customers Feel More At Home

Understanding Homeowners Insurance

Cape Cod & Islands Flood Protection

Cape Cod Home Insurance

Home Insurance Quote

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