Does Home Insurance Cover the Cost of Damages Associated with Pests?

Pests are present in every home, even if you do not readily see them. These pests can cause major damage to your home so making sure you are repairing damage and getting rid of pests is essential. That being said, pest damage repair can be costly and having some help with costs would be helpful.  For those that live in the Selden, NY area, the agents with XL Brokerage Inc. can help you find the policy that covers what you need it to cover.

For the most part, home policies are not going to cover the cost of repairs that are associated with pests and the damage they cause. The cost of pest repair falls under the category of home maintenance, which cannot be claimed on a home owner’s policy. If you do have pests it is suggested that you take the time to get the infestation handled before it becomes too serious and before the cost of damages is too high. Repairing pest damage can be a gradual process that the homeowner or landlord must shoulder on their own.

You can claim damages that are caused by pets to a certain extent however or by other animals that belong to tenants for example if you are renting your home out. You should take the time to carefully consider what your home policy covers before you decide what policy you are going to take out and what policy is going to work for you and for you particular property and home.

For those that live in the Selden, NY area, the agents with XL Brokerages Inc. can help you to find the right policy for your needs and for your particular property and the coverage that it needs to be safe.  

What to do when your check engine light comes on

The Check Engine light is a confusing and often frightening indicator on your dashboard, explains XL Brokerage Inc. serving Selden, NY. It can mean anything from a loose gas cap to something so serious that you need to pull over to the side of the road, stop, and call for a tow.

If the check engine light comes on, it will either blink or shine red or shine constantly or shine yellow or orange. If the light is blinking or shining red, it’s time to stop and call for a tow. If the light is shining steadily or orange or red, the problem isn’t immediate but needs to be looked at as soon as possible.

When the check engine light comes on, the vehicle’s computer, which controls almost all aspects of engine performance and sometimes how the transmission shifts, will store a trouble code. Any mechanic’s shop has the equipment to read the code that would point a trained technician to the problem’s source. One can also pick up a relatively inexpensive code reader if one is a do-it-yourselfer.

However, unless the problem is a loose gas cap, something one can check right away, the cause of the check engine light is something that only a professional will be able to track down and fix. Ignoring something that causes the light to come on is the worst of bad ideas. More than likely, the problem will get worse, and the engine will take on more damage, adding potentially thousands of dollars to the eventual repair bill. It is best to get one’s vehicle to a repair shop as soon as possible.

If you have any other questions about car insurance, contact XL Brokerage Inc. serving Selden, NY