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4 Tips for Tenant Troubles

Renting houses, apartments or any other living space can be both profitable and problematic. While you hope to ideally screen out every possible troublemaker and only have the best-behaved tenants, there is always a chance that something could be overlooked or missed. Screening processes aren’t perfect, and sometimes even those who appear perfect end up acting poorly. If you are dealing with troublesome tenants or fear to have to do so in the future, here are some tips.

  1. Write and Keep Records of Everything

First and foremost, it may seem bothersome, but having written records available to support your side of the story can be vital to avoid possible legal issues from false accusations.

  1. Work With Them

Before anything gets out of hand, try to listen to complaints of tenants, even if they seemed unfounded. If you work with your tenants and build a good relationship early on, you may be able to avoid dealing with troublesome tenants.

  1. Be Professional and Objective

Don’t let emotions get the best of you. Handle the situation calmly without losing your temper and don’t let them prey on your sympathy. Being late for one rent payment due to personal issues is understandable, but if this continues on for some time, it’s inexcusable.

  1. Have Renter’s Insurance

In some cases, the damage may be done before action can be taken. Repairing the property, taking legal action and being denied months of rent can be financially devastating. As mentioned on https://www.rentrescue.com, renters can be reimbursed by insurance for troublesome tenants.

Why Hurricane Coverage Is Needed

When hurricane season arrives, there is no shortage of media coverage about the destruction that it can cause. While the storm for some may simply feel like moderate gusts and incessant rainfall, many are all too familiar with the destruction that can be caused with one that has grown to a larger scale such as Hurricanes Katrina and Harvey. Despite the risks of living in these vulnerable areas, many families and businesses call it home. With the support of safeguards such as hurricane insurance, the recovery process can be set in motion much easily if any damage is done.

Ideal Candidates for a Policy

Not everybody needs to supplement their current policy to accommodate potential hurricane damage. However, those who fall under the following categories should strongly consider it:

  • Living in areas especially prone to flooding from storms
  • Having limited hurricane coverage under a current property insurance plan
  • Residing in properties near the Atlantic Ocean and the Gulf
  • Owning property with recent upgrades to protect against hurricanes which can qualify for better rates

While each hurricane may not be headline-worthy, it can be risky assuming that will be the case with each storm. History has demonstrated nature’s capabilities. Instead of taking a gamble, it is possible to be proactive by protecting your assets with a policy that includes hurricane insurance.

3 Threats Errors and Omissions Insurance Protects You From

When you own a business, it can sometimes seem like the threats you face on a daily basis can be endless. This is especially true if you work within industries like accounting, construction contracting, real estate and other markets that have high risk when it comes to satisfying customers and keeping them and their assets safe from harm. Unfortunately, traditional business insurance doesn’t usually cover these risks. This is why it may be necessary for you to invest in New York E&O insurance to keep your company’s finances safe from lawsuits. Some of the issues this coverage shelters you from are:

  • Legal costs associated with substantial loss or injury of a client or customer in the event that someone in your business neglects their duties or fails to pass on necessary information.
  • The loss of important and reliable employees when retirement time comes around, until you’re able to hire and train a replacement.
  • Faulty design or various miscommunications that negatively impact other parties who are working alongside your business.

Of course, it’s always important to note that different providers offer different coverage options, so it’s imperative to talk to a representative of your provider of choice to discuss your risks and what options they might have to provide coverage for them. Once you’ve done this, you’ll be well on the way to keeping yourself protected with New York E&O from these 3 overwhelming threats and many more.

Don’t Advertise Your Absence When You Are Away from Home

When preparing to leave a home unoccupied for an extended period, whether for business or pleasure, you take care to close and lock the windows and doors, draw the curtains and shut things up tight. But when you leave the house empty for any length of time, there’s always the worry that you may return only to find that burglars or vandals have made themselves at home, quite literally. In addition to purchasing vacant home insurance in Florida, here are some tips to give you some peace of mind when it comes to protecting your home away from home:

  • Create a lived-in look by leaving shades and blinds positioned the same way when you are there as when you aren’t so it’s not obvious that you are away.
  • Make sure doors are secured with deadbolt locking mechanisms, and place braces in the tracks of sliding glass doors so they can’t be slid open.
  • Place sturdy locks and/or pins on all windows.
  • Put timers on several lights and appliances such as a radio or television to help provide a lived-in look.
  • Put a stop on your mail at the post office, put newspaper delivery on hold, or have a trusted neighbor collect these items daily so they don’t pile up in front of the house, broadcasting the fact that you are not there to pick them up
  • Provide a trusted friend with contact information for you so you can be reached in the event of an emergency
  • Install motion sensors on outside lights so they will illuminate any would-be intruders who attempt to approach under cover of darkness.
  • Contact the local police department and let them know when you will be leaving and returning so they can help keep an eye on the place in your absence.

Contact your professional insurance agent to make sure that vacant home insurance in Florida is part of your comprehensive coverage so that you can depart and focus on the trip ahead of you, rather than worry about the empty house you left behind.

Massachusetts Flood Insurance and Related Risks

Flooding can happen anywhere in the United States at any time and here in the state of Massachusetts there are concerns because major storms have a tendency to hit this region from time to time.

 

Floods are the most common natural disaster in the United States. From 2003 to 2012, total flood insurance claims averaged more than $3.0 billion per year. In high-risk areas, there is at least a 1 in 4 chance of flooding during a 30-year mortgage. Is your property in a high risk or moderate to low risk area?

 

Knowing your flood profile will help you understand your risk of financial loss, and if you are a homeowner you should be aware that losses due to flooding are not covered under typical homeowner’s insurance policies. You need to purchase flood insurance in Massachusetts in order to be protected.

 

Some main causes of flooding

 

  • Hurricanes and tropical storms cause floods that can create far more damage than high winds

 

  • Nor’easters also cause flooding and storm surge

 

  • Heavy rains, winter storms, and spring thaws bring flooding to river basins

 

  • Overburdened or clogged drainage systems lead to property damage both within and outside floodplains

 

  • Construction and new development affect natural drainage and can create new flood risks

 

Flood maps help to determine your level of risk and you can view current flood maps at FEMA’s Map Store located at www.store.msc.fema.gov. FEMA is also undertaking a nationwide effort to produce new digitized flood maps for hundreds of communities over the next five years that will reflect changes in floodplains caused by new development and natural forces.
You should take certain precautions to protect your property before floods occur. Be sure that major appliances, electric switchboxes, outlets and heating equipment are well above potential flood levels. Also, install floating drain plugs and sewer system backflow valves to help prevent flood drain overflow. But most importantly invest in a Massachusetts flood insurance policy that will aid you when disaster strikes.

 

Delaying Treatment Could Leave Dentists Open Wide for Liability

All kinds of professionals need coverage to protect them in the course of performing their work. Dentists medical liability insurance is a product that can literally save your practice in the event you are sued because a patient claims you have made an error, or were somehow negligent in the care, service or treatment you provided.

That’s what happened with a prominent professional who had been working in a large metropolitan city for five years. She treated all kinds of patients, many of whom made decisions about their treatment based on whether their insurance coverage had been exhausted for the year. On one occasion, a patient was in serious need of four crowns, yet he asked his provider to delay scheduling the treatment three months later—in the new year, when the full amount of his dental coverage would be available. The provider agreed reluctantly, yet urged the patient to return as soon as possible.

A lawsuit resulted down the line

Months passed; the patient waited more than twice the amount of time that had been discussed with his provider. Almost a year had elapsed before the patient (who had moved out of the area) went to a new provider for treatment, and learned that the lengthy delay had resulted in a worsened condition for all four teeth. The patient filed a lawsuit against the original provider for negligence, claiming that the additional injuries were the fault of the original provider. Unfortunately, the provider had not made any notation in the patient’s file that the reason that the treatment had been delayed in the first place was at the request of the patient and done only to help the patient save money by utilizing his full coverage benefits.

Avoid this kind of problem

Ensure that you communicate fully with all patients about the potential problems that can result from delaying treatment, and make sure that your recommendations as well as the patient’s decision (especially if it is against your advice) are well documented in the treatment files. For additional protection, contact a professional insurance agent, who can devise a comprehensive program that provides dentists medical liability insurance and other important coverage that you and your practice can benefit from. Call an agent today.

Building a Better (and Quieter) Work Site

As a member of the building industry you are accustomed to working in dangerous conditions every day—with heavy equipment, powerful machinery with sharp edges, caustic chemicals and materials, moving parts, heights, holes—you name it. How well you handle the safety aspect of your job site factors in to your construction insurance premiums: fewer accidents and injuries on the job translate into savings in your pocket. But what about a risk that you can’t touch, taste, or see—the risk of hearing loss?

You and your employees are often exposed to harmful noise, either at levels that are of an intense yet short duration  (such as a blast or explosion) or loud sounds that last for drawn-out period of time (such as the whine of machinery used on a job site or in a woodworking or metal shop). In the course of that exposure, the sensitive structures of the inner ear can be damaged to the extent that noise-induced hearing loss results. What’s more, the louder the sound, the short the amount of time it takes for hearing loss to occur.

How loud is too loud?

Sound levels are measured in units called decibels. If sounds measure at 75 or fewer decibels, even long-term exposure is no likely to cause hearing loss. However, long or frequent, repeated exposure to sounds at or above 85 decibels can definitely cause hearing loss. Unfortunately, much of the equipment that you rely on every day—such as bull dozers, chain and concrete saws, vibrating jackhammers, drills, pile drivers, impact hoes, trucks, pumps, pneumatic equipment, and more–are all capable of emitting an 85-decibels-plus, earsplitting levels of noise.

How to keep the noise down

Make it a requirement for employees to wear earplugs, earmuffs, or other protective devices whenever using loud equipment. Special devices that are activity-specific are available from hardware stores. Also, talk to your professional insurance agent to learn more about reviewing and improving your safety program to help ensure that your worksite remains accident and injury-free and your construction insurance premiums rates stay down.

Keys to Successful Internet Marketing

It takes a lot of hard work and dedication to put together a successful insurance Internet marketing campaign. A website smartly designed, social media content, and unique landing pages are all important components of a marketing plan, but there is so much more to consider and implement.

 

Remember that all marketing needs a strategy and a goal. For example, try something new, like posting a banner if the company hasn’t done so in the past. Start a newsletter that tells about new service and product roll outs that might interest visitors to the website.

 

Constantly promote the website
Promoting the website on all marketing can create substantial results. This can provide a lot of word-of-mouth referrals and increase traffic to a site. This could include business cards, brochures, emails and, of course, social media.

 

Video testimonials show how satisfied others have been
Identify the happiest and most influential customers in a collection of mini-video testimonials. A brief and tactful video testimonial can help to impact business growth. For instance, a short Instagram video recorded and displayed on a smartphone can be fun for the insured and for viewers. Use them online for marketing purposes and display them in-person when actively selling at conventions.

 

Community involvement really works
Savvy agencies and their employees are becoming increasingly involved in local causes to support their communities, and this really pays off dividends. Having a high profile as an active member of the community can really help to get people on board and using your services as opposed to another agency. These types of efforts are really good for generating new clients because most people are inclined to support businesses striving to make their community a better place to live.

 

Tracking metrics provides useful information
Most agencies understand the importance of tracking metrics. By tracking where new business opportunities are coming from they then know which marketing efforts are paying off. Tracking the number of policies per client enables agents to know whether they are building deeper relationships as well.

 

Great customer service should be a priority
There are certainly hundreds of other tactics and ideas for being successful at Internet marketing, but none more important or savvy than customer service. It’s not a secret tactic, but it is, by far, the most effective one. People appreciate it when they are made to feel special. When agents provide customers with outstanding service, those customers often show their appreciation by giving helpful and rewarding referrals.

 

 

Optimizing Online Insurance Marketing Techniques

By now, when it comes to online insurance marketing, you have probably researched and heard about a lot of clever ways to get your name out there and try to best the competition. When all is said and done one thing you need to remember is that it’s all about the customer experience. Gathering feedback will allow you to consider what they like and what they don’t like. Using their recommendations and concerns will help you to change your company’s tactics or direction and increase customer retention.

 

Below are some key areas insurance agents should focus on to build a strong foundation for online marketing efforts. Everyone has access to this information, but it’s how you implement it that determines your failure or success, then you can add to and build your marketing tactics into a winner!

 

  1. Optimized Website

 

All of your marketing efforts online should point people back to your insurance business website. In order to create an optimized website that will serve as your ‘home base’ on the Internet (so you’re easily found), you need to do the following:

 

  • Incorporate keyword strategy

 

  • Have a visibly appealing layout

 

  • Include a call-to-action on every page, and

 

  • Make sure your content is relevant and newsworthy

 

  1. Social Media

 

Social media has become very popular rather quickly, and now serves as a great way to build brand identity and generate insurance leads. Fully complete your profiles and engage on sites such as Facebook, Twitter, LinkedIn, YouTube, Quora and Google+.

  1. Blogs

 

Blogs have been proven to be one of the top lead generators for insurance online marketing, so it’s wise to build one and post to it at least twice a week. You want the content to be relevant, newsworthy, keyword rich, and consistent. Having guest bloggers every once in a while will also be helpful.

 

Food Spoilage and the Need for Wholesalers Insurance in New Jersey

As a New Jersey wholesaler/distributor, you may be depended on to deliver goods to retailers so they can meet their commitments. But a lot can happen that can prevent you from doing so on time, or even at all, including inventory theft, mechanical breakdown, or food spoilage – just to name a few possible scenarios.

That’s why it’s critical to work with an insurance agency to secure the vital New Jersey wholesalers insurance that you need, and deserve, to protect you in those times that something that is out of your control results in a loss or delay.

In the matter of food spoilage, microorganisms, such as fungi (molds & yeasts), spoilage bacteria, and their enzymes usually cause the spoilage process. As a wholesaler you need to inspect the various food products susceptible to mold issues and remove those items that may become moldy due to aging or other exposures.

It is important to remember that some of the conditions that accelerate spoilage, such as inappropriate temperature and moisture control, also encourage the growth of pathogenic microorganisms that cause food borne illness. Consequently, spoiled food is not just an issue of quality; it is also often a question of food safety.

Mold and yeast can affect a variety of foods

Corn, nuts, breads, meat, cheeses, fruits and vegetables are all affected by mold. Mold forms a network of microscopic strands that extend into the foods, which could cause allergic reactions or illness, so discarding them are the safest option. Deli meats are also subject to the same issues. Yeast can cause discoloration, slime, and odors on sweet, acidic refrigerated foods or jams/jellies.

In the event that spoiled food does reach consumers it is inevitable that they will be traced back to the original provider of the product. Without wholesalers insurance in New Jersey you could find yourself having to defend against a huge lawsuit without the necessary coverage in place.