Drafts, Doors, and Dollars

To winterize your home, start with the biggest leaks, such as attic hatches, exterior doors, baseboards, and windows. Add adhesive weatherstripping to door jambs and sweeps to the bottom edge; use silicone caulk around window and door casings, plumbing penetrations, and where siding meets the foundation. Do a simple smoke-pencil test: on a windy day, turn on kitchen/bath fans, then move an incense stick or smoke pencil along trim and outlets; smoke that wavers or is sucked inward flags a leak. Air sealing paired with insulation typically reduces heating costs by 10–15 percent, which is why it’s the first, highest-ROI winter task.

Heat Without the Headache: HVAC Tune-Ups

A pre-winter service should inspect burners and heat exchangers, test safeties, verify combustion and draft, clean the flame sensor, check refrigerant levels for heat pumps, and calibrate the thermostat. Replace filters every 1–3 months; most homes do best with MERV 8–11 for airflow and capture balance, while allergy households often choose MERV 11–13 if the system can handle it. For setback savings, drop the thermostat 7–10° F while you sleep or are away for 8 hours; many households see annual heating costs 10 percent lower without sacrificing comfort.

Pipes on Ice? Not Today.

Slip foam sleeves over exposed lines in basements, crawlspaces, and garages. Cap outdoor faucets and shut interior valves to drain the exterior lines. During a deep cold snap, run a pencil-thin trickle from a tap to keep water moving. Smart leak sensors should be installed beneath sinks, near the water heater, and behind the washer. If a line bursts, an automatic shut-off valve at the main (or a smart valve at key branches) can stop flow fast and limit damage.

Roof, Gutters, and the Great Ice Dam Escape

Clean gutters of leaves and grit, then test the flow by running a garden hose at the high end. Confirm each downspout discharges several feet from the foundation. Prevent ice dams by keeping the attic cold. Seal all attic air leaks around light fixtures and chases, ensure continuous soffit intake and ridge or gable exhaust, and avoid venting bath fans into the attic. Schedule a roof inspection annually or after hail; a pro will spot lifted shingles, failed flashing, and soft decking before snow finds them.

Safety First: Fire, Carbon Monoxide, and Generators

Place smoke alarms in every bedroom, outside sleeping areas, and on each level. Install carbon monoxide detectors on every level and near sleeping spaces. Test monthly and replace batteries on a set schedule, twice per year. Space heaters need a 3-foot buffer from anything that burns, must sit on a flat surface, and should plug directly into a wall outlet with tip-over and overheat protection. If using a portable generator, run it outdoors at least 20 feet from doors and windows, never in a garage, and power the house through a transfer switch.

Call Your Agent Before the Snow Flies

Winter-proofing lowers risk and may unlock discounts. Talk with your local Oklahoma agent about coverage tweaks for cold-weather hazards and home upgrades, before the first freeze turns minor issues into major claims. Give us a call at (918) 770-4391.

Home insurance offers peace of mind in case of unexpected damage or loss, but that protection only applies if your claim is approved. Many homeowners are surprised to learn their claims are denied for reasons that are often preventable. Knowing how to avoid the pitfalls can help ensure your homeowners’ policy works for you when you need it most.

Common Reasons for Claim Denials

After a fire, flood, or other disaster, learning that your claim has been denied may be the worst possible news. The following are some common reasons for homeowners’ insurance claim denials:

• Exclusion clauses: Your claim will be denied if the cause of the damage is excluded from coverage in your policy.
• Non-payment of premiums: Homeowners coverage is contingent upon timely premium payments.
• Late filing: Insurance companies require prompt notification of losses and impose time-sensitive filing and documentation requirements for claims.
• Insufficient documentation of damage: Accurately documenting the damage to your property in a detailed manner, with photographs, is essential.
• Insufficient preventative measures following a loss: Policyholders must take steps to protect the property from further damage and mitigate the extent of loss. Failure to do so could be grounds for denial.
• Questionable claims or false statements: The insurance company will send an adjuster to investigate your claim, which may be denied if anything questionable is found.

Avoid the Pitfalls

Take the following steps to help ensure you have the homeowners coverage you need, when you need it:

Review Your Policy Regularly

As your home changes, so do your coverage needs. Renovations, additions, and new appliances can all affect policy requirements. Review your homeowners policy after any major updates to your property and at least once a year to help prevent denied claims. Every home insurance policy has exclusions and limitations. Our agent can help you review your policy to identify these exclusions and advise you on additional coverage if necessary to help prevent unpleasant surprises.

Document the Condition of Your Property

Keep detailed records of the condition of your home, including photos or videos of each room and any valuable items. Store digital copies in the cloud so they remain accessible in case your home is damaged by fire or another peril. Documentation plays a key role in successful claims. It serves as crucial evidence in proving the pre-damage condition of your property and the extent of loss.

Perform Routine Maintenance

Claims may be denied if the insurer determines that neglect rather than a covered event caused damage. When a roof leaks due to long-term wear, your claim for storm damage may not be covered. Regularly inspect and maintain critical systems, including your roof, electrical, and plumbing, and keep records of maintenance and repairs to demonstrate your diligence.

Report Claims Promptly, Honestly, and Thoroughly

Delay in filing a claim can cause issues with approval. Most insurers require that claims be submitted within a specific time frame after a loss. Accuracy is essential. Incomplete or inaccurate information can lead to a denial. Provide a detailed description of the incident, along with supporting evidence, and do not exaggerate your losses. Insurance companies often verify claims with inspections or reports, and honesty keeps your credibility intact.

Connect with us at (918) 770-4391 for assistance on personal insurance that can protect you and your family should the unexpected occur.

When fall is in the air, it is the perfect reminder that winter is just around the corner. Preparing your home now for colder weather can help you avoid costly damage and keep your property safe. Taking proactive steps in the fall can protect your investment and give you peace of mind, knowing you are ready for whatever winter brings. This practical fall home checklist can help you safeguard your property.

Seal Air Leaks

Drafty windows and doors can make your home less comfortable and increase heating costs. Look for cracks or gaps in caulking and weatherstripping and repair or replace as needed. Sealing leaks saves energy and helps keep moisture and pests outside.

Inspect and Clean Gutters and Downspouts

Colorful, falling leaves can clog your gutters and downspouts, causing water to back up and damage your roof, siding, or foundation. Clean out any debris and ensure water flows freely away from your home. Installing gutter guards can help minimize buildup.

Service Your Furnace

Before temperatures drop, have your furnace or heating system inspected. A professional can replace filters, clean components, and ensure it is running safely and efficiently. Routine maintenance can help prevent a breakdown when the weather is cold.

Drain Your Water Heater

Sediment buildup can cause clogs in your water heater. Draining it once a year can help remove sediment and keep it running efficiently. Check manufacturer instructions or contact a professional for help.

Check Smoke and Carbon Monoxide Detectors

Fall is the perfect time to inspect smoke alarms and carbon monoxide detectors to ensure they are working properly. Replace the batteries at least once a year and test smoke detectors once a month.

Clean Chimneys

Have a professional clean and inspect your fireplace and chimney before lighting a fire to take the winter chill away. If you have a gas fireplace, it is still important to inspect the chimney and flue for blockages and the gas lines and vents for leaks.

Shut Down Exterior Faucets

When temperatures dive, water left in exterior pipes can freeze and cause them to burst. Before winter arrives, disconnect and drain outdoor hoses and shut off exterior water lines if possible. Insulate exposed pipes in unheated areas as a preventative measure.

Check Your Roof

The roof of your home is the first line of defense against snow, ice, and wind. Do it yourself or hire a professional to inspect for cracks, curling, or missing shingles. Address any needed repairs promptly.

Winterize Your Yard

To prepare your yard for winter, rake leaves, fertilize the lawn, and cover patio furniture. Clean and store mowers and other lawn equipment. Trim any overhanging tree branches that could break under the weight of snow or ice and damage your roof or power lines.

Review Your Homeowners Insurance with One of Our Trail’s End Risk Agents

Winter storms can bring unexpected challenges, even with the most thorough preparation. Review your homeowners policy in the fall to ensure you are covered for common risks, such as burst pipes, fallen trees, and roof damage. Our knowledgeable agents can help you identify any gaps and recommend coverage to best protect your property at the most affordable rates. Contact us today at (918) 770-4391.

National Fire Safety Week serves as a reminder each October to re-evaluate our preparedness for house fires. While many families install smoke detectors, check fire extinguishers, and take other precautions, evacuation readiness may be overlooked. Every second counts in a home fire, and having a clear, practiced evacuation plan in place can mean the difference between safety and tragedy. Take the following steps to help ensure you are equipped to respond swiftly and effectively.

Establish and Practice a Fire Escape Plan

If possible, your escape plan should identify two exits from every room. Create a map of your home with all doors and windows highlighted. Ensure windows and doors are not blocked. Once your plan is in place, practice evacuating the home at least twice a year. Stress the importance of never opening doors that feel hot and staying low to the ground to avoid smoke inhalation. Nighttime drills are important, as home fires often occur when occupants are asleep.

High-rise and condominium building fires can be particularly dangerous. If you live in such a building, ensure you know the locations of all the exit stairs and how to escape in an emergency.

Choose a Safe Meeting Spot

Designate a safe location outside of the home where your family can meet after evacuating. For example, it could be a neighbor’s yard, the mailbox, or a particular tree. This helps ensure all family members are present and accounted for in case of a fire, so first responders are not put at risk unnecessarily.

Equip Your Home with Essential Safety Tools

To prepare for a home fire, it is important to equip your home with certain essential items, including the following:

• Smoke detectors: These should be installed in every bedroom and on every level of the house. Test smoke detectors each month and replace batteries yearly. To start a home fire drill, press the test button to sound the smoke alarm.
• Carbon monoxide detectors: Carbon monoxide is an invisible threat that often accompanies house fires. Many detectors available today can detect carbon monoxide as well as smoke.
• Fire extinguishers: These should be placed in key areas, including the kitchen, the garage and near fireplaces.
• Escape ladders: If your home has multiple stories, ensure ladders are available to allow exit from upper-floor windows.

Pack a “Go Bag”

In the chaos of a home fire evacuation, there may be no time to consider what to take with you. Pack an emergency kit in advance and keep it easily accessible. Include important items, such as the following:

• Essential medications
• First aid supplies
• Flashlights and batteries
• Cash
• Copies of important documents
• Comfort item for children and/or pets

Speak with a Friendly Insurance Agent at Trail’s End Risk

Fires can cause devastating losses, even with the best preparation. Along with practicing your evacuation plan, it is important to review your homeowners or renters’ insurance coverage regularly. We can help ensure your policy adequately covers fire damage and personal belongings at the best rates. Ask our agent about additional living expense coverage if your home becomes uninhabitable because of a fire. Give us a call today at (918) 770-4391.

Natural disasters happen. Homeowners insurance provides a safeguard for unforeseen circumstances, though the timing of such events cannot be guaranteed. First, however, it is essential to understand what qualifies as a natural disaster under the terms of your policy. Homeowners insurance covers a vast range of natural disasters, including those caused by fire, tornadoes, hail, explosions, windstorms, volcanoes, hurricanes, and extreme cold. That said, homeowners insurance does not cover some natural disasters, such as floods, earthquakes, and mudslides.

Examples of Natural Disasters Homeowners Insurance May Cover

It would be best if you didn’t have to guess about which natural disasters a homeowners insurance policy covers, so be sure to ask questions and consult with your agent to clarify these points. In addition, you should be clear about the coverage limits of your policy. Without adequate coverage, you might end up having to foot the bill for something you did not expect to pay.

Here are some examples of natural disasters and how your homeowners insurance policy can be applied:

• Hurricanes: A hurricane can cause severe structural damage to your home, and you may also lose some cherished personal items. While damage and losses caused by wind and hail are usually covered, flood damage is separate in most cases. You will likely need a different policy to cover these events, so be sure to ask your insurance agent to ensure your property is protected.
• Fires: Unless you live in an area particularly susceptible to wildfires or when a fire was set on purpose, your homeowners insurance policy should cover fire-related damage. Additionally, if you have very valuable items in your home, such as fine jewelry, you should have them appraised for a scheduled personal property endorsement. Otherwise, they will have little or no coverage.
• Extreme cold: Homeowners insurance policies typically cover damage caused by extreme cold. For example, if your home or personal belongings are damaged from the weight of ice or snow, they will likely be covered. On the other hand, if ground snow melts and seeps into your home, resulting in water damage, this is likely not covered unless you have a separate flood insurance policy.

The coverage your homeowners insurance provides can help ensure that no matter when the unexpected happens, you will not have to worry about the costs. When you work with an agency that is committed to serving the community, you can expect personalized service, and assistance in finding the best insurance with the most reasonable rates.

Keep Your Home and Property Protected with Homeowners Insurance

A natural disaster could potentially cost you everything, but homeowners insurance can help cover these losses, so you can protect what matters most to you. Our agency will work with you to understand your needs, ultimately finding the most effective policies to protect your home and belongings at a price you can afford. With our team at your side, you can rest easy knowing that you will be prepared whenever nature strikes.

Connect with us today for the personalized attention and fast service you deserve.

Although summer means warmer temperatures, it can also bring thunderstorms, with hail, rain, lightning, and strong winds. The following are some tips on preparing your home for harsh weather conditions and summer storms.

Clear Your Gutters and Check Your Roof

The exterior of your home is its first defense against interior damage. Clear and clean your gutters to direct water away from your home and avoid roof, wall, and basement flooding. Get your roof checked for shingles that need replacing or soft spots, and have any necessary repairs done.

Trim Trees and Clear Limbs

Dead tree limbs can come crashing down during a storm, causing considerable damage to your home and adjacent structures. Heavy rains can cause trees with shallow roots to pull from the ground and topple over. Trim tall trees close to your house and have them checked by a specialist to ensure they are stable. Trim weak and overhanging branches to reduce the risk of breakage and damage to your home.

Secure Outdoor Furniture & Structures

Items such as garbage cans, grills, and outdoor furniture can become deadly projectiles in a violent storm. Bring them into your garage or house to reduce the risk. If high winds are expected, have a drill, drill bits, and pre-cut wooden boards ready to secure your windows. Ensure your fences are properly secured to prevent them from being lifted and hurled against the house by heavy winds.

Prepare Your Basement

If your home has a basement as the lowest level, it is the first place likely to be damaged by precipitation. Protect your electronics, furniture, and valuables by moving them upstairs to higher ground. Unplug all electrical cords, as water and electricity can be deadly.

Get Ready for a Power Outage

When a storm is coming, turn your refrigerator to its coldest setting. Move as much food as possible to the freezer. If the power goes out, perishable foods will stay cool and will be safe to eat for longer. Unplug all electrical appliances to avoid overloading circuits and creating a fire hazard when power is restored. If power outages are likely, plan for alternative power sources, such as a portable charger or power bank.

Prepare an Emergency Kit

Keep an emergency kit stocked and ready in case of a storm. The kit should include the following at a minimum:

• Non-perishable foods
• Water (at least a gallon per day for each individual, plus what is needed for pets)
• Flashlights
• Batteries
• Blankets
• Clean clothing
• Hand sanitizer
• First aid kit
• Any necessary medications
• Candles and matches in water-resistant packaging

In addition to the above preparations, meet with our knowledgeable agent to ensure you have sufficient homeowners insurance coverage. With storms becoming more intense, it may be a good idea to consider flood insurance as well, regardless of where you live.

Flood insurance covers direct physical loss to your home structure and belongings caused by flooding. If the area where you live is not in a flood zone, you may think you are safe from flooding. The fact is that flooding is the most common natural disaster in the country. Many flood-related insurance claims come from areas with a low to moderate flood risk.

What Does Flood Insurance Cover?

Two types of flood insurance are available through the National Flood Insurance Program (NFIP):

• Building coverage: This protects you against damage from flooding to your foundation walls, staircases, anchorage systems, furnaces, water heaters, electrical systems, plumbing systems, refrigerators, stoves, built-in appliances such as dishwashers, permanently installed carpeting, cabinets, paneling, permanently installed bookcases, window blinds, solar energy equipment, well water tanks and pumps, fuel tanks, and detached garages.
• Contents coverage: This insurance covers personal belongings, such as furniture, clothing, electronic equipment, washers and dryers, curtains, microwave ovens, portable and window air conditioners, carpets not included in the building coverage, and valuable items, such as furs or artwork.

Flood insurance will not cover damage that is not the direct result of flooding. For example, damage from sewage backup is not covered unless flooding directly causes the backup.

When Can You Buy Flood Insurance?

You can purchase federal flood insurance if your community participates in the NFIP. For properties located within the areas with the most significant risk of flooding, known as Special Flood Hazard Areas (SFHAs), under the National Flood Insurance Act, lenders must require borrowers to buy flood insurance to receive federally-backed loans. You can purchase flood insurance at any time. After you have paid the premium, there is a 30-day waiting period before the policy goes into effect, except when:

• The initial purchase of flood insurance is in connection with making, extending, increasing, or renewing a loan; or
• The initial purchase of flood insurance is made during one year following adoption of a revised Flood Insurance Rate Map for a community, in which case the waiting period is one day.

If you purchase flood insurance when you buy your home, there is no waiting period before coverage goes into effect.

What Type of Flooding Does NFIP Cover?

When the surface of normally dry land is partially inundated, and two or more adjacent properties or two or more acres are affected, it is considered flooding covered by NFIP. This can be caused by:

• Unusual, rapid accumulation of runoff of surface water from any source, such as heavy rainfall
• Overflow of inland or tidal waters
• Collapse or destabilization of land along a lakeshore or other body of water caused by erosion or the effects of waves
• Mudslides or mudflows comparable to rivers of liquid, flowing mud caused by flooding
• Water currents exceeding normal cyclic levels

Flood insurance is not only for people who live in flood zones. Our friendly agent can help you obtain a policy to protect your home from flooding.

Many people who own homes today rent them out to others. If you are renting out your home, whether on a short-term or a long-term basis, it is essential to understand that your homeowners insurance may not cover losses incurred while the property is being rented. The following is information about insurance coverage for renting out a residence in different scenarios.

Short-Term Rentals of a Primary Residence

If you are planning to be away from your home and decide to rent it out on a short-term basis, the coverage you need will depend on your insurance company. With a homeowners or renters policy, some insurers may cover you for a short-term rental if you notify the company in advance. Other insurance companies may require you to purchase a rider or endorsement to your existing policy to have coverage while the property is being rented.

If you plan to rent out your primary residence on a regular basis to different guests, then it becomes a business, and your homeowners policy will not cover it. You will need to purchase a bed and breakfast or hotel business policy. Types of coverage available under the commercial bed and breakfast policies include:

• Commercial property: This covers the cost of repairing or replacing business-related property, such as the building, furnishings, equipment, and supplies, in the event of fire, theft, or natural disaster.
• General liability: This provides protection against losses for bodily injury, property damage, and personal injury.
• Innkeepers liability: This insurance covers the personal property of your guests.
• Loss of business income and related expenses: This offers protection in case a covered loss forces you to close down your business temporarily.

Long-Term Rentals of a Second Home or Investment Property

When two people who each own a home decide to marry or live together, they may keep both homes and rent one out. Some people have second homes in different parts of the country where they may stay only during vacations. Other people purchase residential properties as an investment for rental income.

When you rent out a home for a longer period of time, such as six months or a year, you will need to purchase a rental dwelling or landlord insurance. The cost of these policies is generally approximately 25% higher than the cost of standard homeowners policies. Landlord policies typically provide coverage for:

• Physical damage to the structure of the home caused by wind, hail, ice, snow, lightning, fire, and other covered perils
• Personal property left on site for tenant use or maintenance, such as appliances, lawn mowers, and snow blowers
• Liability for medical expenses and legal fees in case a tenant or guest is injured on the property
• Loss of rental income, in the event you are not able to rent out the property while it is being rebuilt or repaired due to damage from a covered loss

If you are renting out a home, our knowledgeable agent can advise you on the type of insurance coverage you need and help you find it at the best available rates.