Water Damage Claims

Water damage is one of the most common reasons people make claims on their home insurance. Ruptured pipes, faulty appliances and backed-up drains often lead policyholders to inspect their homeowner policy wording carefully.

Water damage coverage in the homeowner insurance policy is a confusing subject. Usually, the damage caused by water will be covered, but the item causing the loss, such as a leaky pipe or broken appliance hose, will not be covered. While your insurance company will pay for the damaged flooring from a ruptured appliance hose, it will be the policyholder’s responsibility to replace the bad hose. Parts and appliances wear out and it is not the intent of an insurance policy to cover wear and tear.
Flood, which occurs when a nearby tributary or body of water breaches its banks and flows into your home, is not covered under homeowner insurance. You must purchase flood insurance for that. You can purchase flood insurance as long as your community participates in the National Flood Insurance Program.

Cat Hell

“Make him stop,” Mr. Wonderful said yanking the duvet over his head.  “Please.”

It was 2:30 AM and our new cat, Jackson, had jumped on the bed, thwacked his tail against Mr. Wonderful’s forehead and was kneading my pillow with his paws.  Forget serial killers and clowns, nothing’s scarier than opening your eyes to sharp, hooked claws two inches from your peepers.  And, nothing’s more annoying.

I dumped Jackson to the floor but he leapt up for three repeat performances before the alarm clock sounded. 

We’d only had him two weeks and already this five year-old male had taught me a lot about his species.  1) Cats sleep all day.  2) Cats sleep all evening.  3) Cats keep you up all night. 

In other words, cats are jerks.

Since Jackson was still adjusting to us and our home, we’d followed the advice of the Kitten Rescue volunteers and kept him in one room closed off from the rest of the house so as not to overwhelm him.  Unfortunately with my cousin’s kid, Matt, still bunking in the guest room, the only space available for the cat was our bedroom.  Jackson and our chronic lack of sleep were driving Mr. Wonderful and I toward a career in serial killing--each other.

Just when I’d decided to save my marriage and sleep on the sofa, my sister arrived. 

She surveyed the situation and announced, “Your cat has a problem.”

“Yeah, he’s not a dog,” Mr. Wonderful said with a yawn.
I valued my sister’s diagnosis because she knew cats—she owned eight felines, six of which lived outdoors controlling her farm’s mice population.  She continued, “The problem is Jackson makes his own schedule.”

“Because that’s how cats are.  They’re independent,” I said.

“Then why did you get a cat?”

“My question exactly,” Mr. Wonderful said boring his eyes into me over the rim of his third espresso.

“Jackson’s doing everything on his time,” my sister said.  “If you want him to be part of your family, you have to get him on your schedule.  When you eat, he should eat.  When you’re awake, he should be awake.  For at least some of the time.”

“I can’t do that.  I can’t even get him out from under the bed.”

“Follow me,” she said.

First we collected every picture frame I hadn’t hung and stacked them like Legos, one on top of the other.  We slid them under the bed, filling every square inch of space, which forced an unhappy Jackson out into the open.  Then we swung open the bedroom door to freedom.  Instead of going out to explore the rest of the house, the cat slunk to the opposite side of the room and crouched beside his litter box. 

“We need to force him to leave this room,” she said.  I lugged his litter box and food and water bowls to the kitchen.  Still all day, he remained in our bedroom.  That night when we slipped into bed Jackson disappeared into the living room and didn’t bother our sleep for eight hours.  Eight heavenly hours!   

The next morning my sister, Mr. Wonderful and I sat at the table eating crepes when our laughter was punctured by the sound of chewing kibbles.  On the floor next to our table, we saw Jackson hunched over his newly placed food bowl.  He was out of the bedroom. He was eating while we were eating.  He was with us.

My sister, Mr. Wonderful and I exchanged smiles.  For the first time since moving in I felt like our house was full of family.

Radio Frequency Indetification Thefts

Credit cards are gradually moving away from the swipe and process cards to the wireless transfer of financial data. This make shopping lines move quicker but it does create a new kind of theft. The technology is called Radio Frequency Identification (RFID). All you do is hold a card near a RFID scanner and the data is transferred. The problem with this is that computer savvy criminals can create scanners that steal your financial data right off your credit card, even if it is still in your wallet. Credit card companies are becoming aware of this issue and have worked to solve the problem with on off switches on the card that are triggered when a finger presses the chip that is imbedded in the card. One other way to prevent scanning theft is to purchase a RFID protected wallet. For example the HuMn Wallet has material that doesn’t allow RFID scanners to scan cards in the wallet.
So be sure to take precaution if your new credit card has the RFID chip imbedded inside. Ask if you can have a card that has the on/off switch and if not look into purchasing a RFID protected wallet.

Scheduling Special Items

Back in July we posted an article about special limits on homeowner policies for things such as guns, jewelry, coins, cash, silver and furs.  In the wake of a string of burglaries in our area (burglaries that are only focused on taking cash, coins and jewelry), we felt it was important to remind people of the homeowner limitations on these items.  It differs per policy and per item but usually there is only about $1000 to $2500 of coverage given on the homeowners for things such as guns, jewelry, coins, cash, silver and furs.  If you own more than that limitation in any of the mentioned categories you should schedule the items on a special policy.  Feel free to contact Fey Insurance to make sure you have things appropriately covered.

On a side note, the current criminals who have been robbing homes in the area are first placing calls asking if you have a security alarm.  As soon as you answer no they hang up and then know your home is unprotected.  Be sure to never answer no to such questions over the phone to a random phone call.

Is Identity Theft Coverage For You?

Consulting firm Javelin Strategies and Research reports more than 11 million people are affected by identity theft each year, at a cost of $54 billion to the victims. In trying to deal with this threat, the insurance industry has developed products to help a policyholder recover from this kind of loss. The monetary loss is not the only issue with identity theft. A victim can spend thousands of dollars and hundreds of hours trying to clean up credit records due to the thief using personal information to obtain credit with no intention of repayment, thus destroying the victim’s financial reputation. Identity theft insurance protection is designed to help you with this problem by covering expenses and sometimes professional services, that will help the victim recover from this type of loss.

Even with coverage provided, following simple steps can help protect you from this threat:

Shredding documents. Anything that contains sensitive information absolutely must be destroyed. There are specific documents that must always find their way to the shredder.
Old Tax Returns. Unless the IRS suspects you of fraud in your tax filings, you are usually only exposed to the threat of an audit for three years at a time. The National Endowment for Financial Education advises you to keep three to four years of tax returns, and shred anything older. Your tax return contains sensitive information, primarily social security numbers.
Bank Statements. Anything with bank account numbers should be shredded, including paper bank statements.
Credit Card Offers. These offers should go from the mailbox directly to the shredder, unless you are actually going to take the bank up on its offer. A lot of identity theft happens within families, so don’t leave these offers lying around.
Old Photo IDs. These IDs contain information, which by itself is probably not enough to be damaging, but used with other information could help perpetrate a fraud.

Pay Stubs. Absolutely shred your pay stubs. Some financial institutions will ask you the amount of your last deposit to use as a validation. A past pay stub can give that information.
Credit Card Convenience Checks. The most dangerous thing you can receive in your mailbox are convenience checks often sent with your credit card bill. These represent a live loan to whoever holds this check. Shred these immediately.
Canceled Checks. Canceled checks contain not only your account and routing numbers, but also your address and possibly your phone number. People often include their full account or credit card number in the memo section when paying with a check. Do your duplicate checks display your account and routing numbers? Don’t overlook these carbon copies.

Meet Jackson

Name:                          Jackson Cat

Age:                             5 years old

Favorite location:         Hiding under the bed

Favorite activity:          Hiding under the bed

Most annoying habit:   Hiding under the bed

Jack Bauer's Cat

“I don’t want to freak Jackson out,” Carrie said setting the cat carrier in the middle of our bedroom floor.  I closed the door to the rest of the house to shrink this new space for him.  Carrie swung open the carrier and out slunk a long, full-grown white cat with a black saddle patch.  He crouched so low to the ground his legs looked like stubs.  His eyes, wide yellow orbs, darted about taking in the room, Carrie, Mr. Wonderful and me. 

“Hi Jackson,” I said gently petting his shedding coat.  “Welcome to your new home.”  He twitched with fear under my hand then stretched his nose to the bed and sniffed it. 

 

“He likes beds,” Carrie said.  “The past five months, since Peggy’s… passing, he’s spent hiding under the bed.  I think it’s depression.”  I understood how the cat felt.  We all missed Peggy. 

“We’ll cure him of that,” I said looking at Carrie.  “Our bed is only four inches off the ground he won’t fit under it.” 

“Think again,” Mr. Wonderful said as we watched Jackson flatten to the floor and wiggle under the bed.  And there he stayed while we gave Carrie a tour of the house, shared a bottle of wine, discussed home ownership, debated the slate of new TV shows, chatted about her volunteer work with cat rescue, sung the praises of clumping cat litter, filled the domed litter box, loaded her car and she drove off. 

That evening Mr. Wonderful and I tried coaxing Jackson out from under the bed.  “Come out, kitty-cat,” I said shaking some kibble in my hand.  Sandwiched between the bed springs and floor he remained frozen in that uncomfortable position while looking around with fear.

“We should rename him,” Mr. Wonderful announced.   “I don’t like ‘Jackson’.”

“He lost everything he’s ever known," I said, "and now you want him to lose his name, too?  No way.  Besides Jackson is part of his origin story.”  Mr. Wonderful kinked an eyebrow at me. 

I explained how I’d met Peggy, the cat lover, while we were both working on “24”, the TV show starring Kiefer Sutherland.  As one of our Emmy-winning Casting Directors, Peggy was responsible for finding the next bad guy for Jack to chase or the new female love interest for Jack to pine for but not kiss.  Although “24” was a Fox production we didn’t shoot on the studio lot but in Chatsworth, a remote part of the San Fernando Valley not far from where, in the golden days of Hollywood, Lucille Ball and Desi Arnaz had a sprawling weekend ranch looking out over the Valley’s lush acres of citrus groves.  These days Chatsworth was known as the center of the porn filming industry and, for a couple years in the aughts, as the home to “24”.

The “24” studio consisted of a former pencil factory that our Production Designer transformed into Jack Bauer’s Los Angeles, the CTU and innumerable safehouses.  The show’s construction crew had cut a two-story high doorway into the wall complete with a barn-sized sliding door to facilitate building and tearing down sets.  Often during the 9-16 hour workday, this huge door was left open.  Entering through it one morning Peggy heard a soft mewing.  Crouched among the set decorations she found a lone black and white kitten so tiny she could hold him in the palm of her hand.  Clearly hungry she set out a bowl of milk hoping to tide him over until his mother returned.  When after two weeks the mother cat still hadn’t appeared, Peggy brought the kitten home for the weekend and the rest was history.  She said it took the kitten about 20 minutes to adapt to her cozy condo in West Hollywood where she spoiled him along with two other cats. 

Not wanting to forget she’d found him on Jack Bauer’s set, she named him Jack’s son. 

“So we can’t change his name,” I said.  “Jackson is all he knows, right Jackson?”

Still crouching under the bed, the cat turned his head toward me, his yellow eyes locked on mine.  Nope, he hadn’t forgotten his name.