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| Maggie is worried about dogs that don't have houses (or couches). |
The aftermath of Hurricane Sandy is still on our minds, and we feel especially worried about people who didn't have flood insurance. This time of year we always hear about changing our smoke and carbon monoxide detector batteries when we change the clocks for daylight savings. It would also be a good idea for everyone to check their home insurance policies to see if they have enough coverage, regular home insurance doesn't cover flooding at all. Separate flood insurance is needed if you're in a flood plain area.
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| Duke and The Dude say "Hey Lady, this is boring." (Maggie is still worried about the dogs and their peoples.) |
Another thing to check is if you have replacement contents coverage. If you've been following the story on
Kissa-Bull, they didn't have insurance to cover replacing what they lost in the fire, and their rental coverage was only for 3 months, though it took 10 months to rebuild their house. Can you imagine having to pay your mortgage plus rent for 7 months, plus buy new clothes, beds, etc? Eeek.
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| Ozzy's looking out for the dogs. |
We had insurance when we only had a little apartment, even though we didn't have a lot and it probably wasn't worth much. I couldn't imagine coming up with the money to buy all of our clothes and furniture at once if something happened, and we only had Doug the Lizard at the time.
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| Duke thinks the couch is much better than dog beds. Maggie just likes having a bed. |
Now that we have a house, 2 dogs and 4 cats plus Doug, it would cost a lot more to replace all of our furniture, clothes, dog beds, etc, if there was a disaster. Please check your home insurance or apartment insurance to see what it would really cover. Even if you don't have much, it wouldn't be cheap to replace everything.
If you're able to help victims of Hurricane Sandy, please go to the
American Red Cross to donate, or to find a local
blood donation center. It's free and easy to donate blood, it only took about half an hour when I went last month. (Plus they have free snacks! The dogs are all about free snacks.)
We've checked our policies and feel we are covered. Our biggest concern of course is our boys, Sam and Monty. We are pretty sure we could bounce back from anything as long as the boys are okay.
ReplyDeleteSam
That's great, our main worry would be getting everyone out the house too.
DeleteVery good recommendations my friends; you never know when you are going to need those gosh darn insurance papers!! Since we don't live in a flood zone or near the water, we are very lucky, but we do have a lot of earthquake insurance!!
ReplyDeleteHope you never have to use it!
DeleteWe hopped over to see what you doggies do, and it looks like you like napping as much as we do, hahameow! Thanks for the good advice, too. Teri said she'll add that to her list.
ReplyDeleteThey love napping after running around like maniacs outside!
DeleteThere's something yummy waiting for you on my post!! :-D
ReplyDeleteThanks, now we have to figure out who to share it with!
DeleteI find it very unfortunate that some dogs don't have family or a house :(
ReplyDeleteCotton
Us too.
DeleteGood advice re insurance. We check ours each year when it is up for renewal. Our smoke alarms go off when the batteries are low which is good but not when it is 3am. Have a super Sunday.
ReplyDeleteBest wishes Molly
That's great, I don't think many people do check. Hope the alarms don't go off at 3am again!
DeleteGood reminder. Sometimes it feels like it is a "waste" to be paying that money you don't imagine you will ever use. It will only take one little thing to make it worth while! Take Care, Lee and Phod's Lady
ReplyDeleteI always hope we'll never have to use it!
DeleteYou bring up some valid points. We don't even have renter's insurance! That needs to change...
ReplyDeleteIt wasn't very expensive, it depends on how much coverage you want to have. We estimated how much it would cost to replace all of our clothes, furniture, computer, tv, dishes, etc. Even though most of our stuff is 2nd hand the total was more than we had in savings at the time.
DeleteThat's really great advice! I think I'll be asking the hubby where the policy is and what's covered.
ReplyDeleteThanks, hope you're all set!
Deletethat is some good advice. Thanks for sharing.
ReplyDeleteDakota's Den www.dakotasden.wordpress.com
Thanks, there were some people on the news who didn't have flood insurance and lost everything.
ReplyDeleteWell, it is hard to know with that insurance stuff. Some people didn't even realize they lived in a flood plain, but it is a good idea to read your policy. I know reading it gives momma a headache, but I will try to make sure she does.
ReplyDeleteKisses,
Dexter
Great advice. So many people don't know this stuff, so we're so glad you posted about it!
ReplyDeleteThey all look so comfy!
ReplyDeleteI love the picture with the cat above the dogs... I think the cat approves that message :)
Totally agree on all things insurance. I was living in a condo that flooded during hurricane Isabelle (i was not required to have flood insurance) and you are right, replacing all at once is impossible! I also take photos of where I live (rooms, closets, drawers) so that you can have a list of items that could need replacing. Never too safe!
ReplyDelete