August is here, and the start of fall classes is just around the corner. I usually have a couple of phone calls from clients whose son or daughter are about to head to school and they want to confirm that their stuff is covered. The answer is usually yes, but there are a couple of considerations worth confirming. Let’s view this in light of where the student will live.
North Texans finally got a taste of winter weather over the past two days when the rain that fell Sunday night froze leaving our streets covered with a half inch of ice. Snow is in the forecast for Wednesday morning which complicates rush hour traffic. We don’t get this weather very often, but it does provide an excellent backdrop to review safe driving practices in all kinds of inclement weather.
Winter’s here, and in north Texas, that means some cool to moderate temperatures with some hard freezes thrown in, and just maybe, some snow or an ice storm. With that in mind, let’s examine what you can do to avoid a home insurance claim this winter, which will keep your rates down for years to come.
Last week I introduced 5 driving scenarios to expose your teen driver to including left turns, dead traffic signal, rail road crossings, highway driving, and rush hour driving (see http://50.87.248.161/~wiseinsu/exposing-teen-drivers-to-different-driving-scenarios/). The reason for doing this is to give your teen practice at learning how to deal with complex traffic situations.
I’ve received calls from two different clients over the past two weeks. Each was about the same thing; they’d received a notice from their mortgage company notifying them of a deficit in their escrow account. They had the option of paying the escrow shortage or it could be factored into their already increased monthly home mortgage payment. Sheri and I also received the same notice a few weeks earlier.
Texans have long proclaimed that everything is bigger in Texas! If you look at the population growth numbers for the top ten metropolitan areas from July 1, 2012 to July 1, 2013, that’s been especially true for Texas. In a Dallas morning news story published on Thursday, March 27, Texas has two of the top ten metropolitan areas in the country. They are Houston and Dallas / Fort Worth.
Last spring one of my clients in the Lake Highlands area of Dallas called me. There’d been some pretty strong winds that had swept through north Texas, similar to what we’ve had this spring, and a section of his wood fence had blown over. It had happened to be the section that separated his back yard from his neighbor’s back yard. We discussed options on how to handle this with the first option being whether or not he should file a claim.
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