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        Risk Management


        Although not every wildfire can be prevented, you can take steps to make your property more resilient should a wildfire threaten.

        The post Reduce your risk before a wildfire threatens appeared first on The Cincinnati Insurance Companies blog.

        It takes only minutes for a fire to escalate. Even with the responding fire department’s prompt arrival, a home could be destroyed. To help avoid this, have your home fitted with a residential sprinkler system.

        The post Fighting fire: Benefits of a residential sprinkler system appeared first on The Cincinnati Insurance Companies blog.

        There are two basic categories of water shut-off systems: whole-house systems and point-of-use systems. While both can prevent water damage, generally only a whole-house system qualifies for a premium credit on your homeowner insurance.

        The post Know the types of water shut-off devices appeared first on The Cincinnati Insurance Companies blog.

        Water damage is consistently a common and severe cause of loss to homeowners. It is amazing to see the damage that water can do. Water carved the Grand Canyon – just think what it does to drywall or plaster! The good news is that water damage losses can be prevented or mitigated by a properly installed automatic water shut-off device.

        The post Why is water damage such a big deal? appeared first on The Cincinnati Insurance Companies blog.

        Spring weather brings hope for new beginnings and warmer temperatures. However, these seasonal changes could significantly damage the exterior protective layers of your house, leading to potentially costly structural damage. Watch out for these conditions.

        The post April showers, May flowers and spring home repairs appeared first on The Cincinnati Insurance Companies blog.

        Providing Specialized Expertise

        Your home is likely one of your most important financial assets, and inside your home there are items of significant value. Our risk management team offers expert advice and services to help better protect your valuable investment.

        The cost to rebuild your home can vary greatly from the market value. Your home’s replacement value most accurately reflects a contractor's bid to replace the materials and special features of your home. Each home is different, and our risk management experts can help ensure you have proper coverage in the event of a loss, whether a partial loss or a total rebuild.

        We are proud to partner with Wildfire Defense Systems® to provide protection, loss mitigation services, for your home and property in the event of a wildfire. Services are provided for policyholders with homeowners coverage on the Executive Capstone® or Executive Classic forms in AZ, CA, CO, ID, MT, ND, OR, TX, UT and WA at no additional charge to you.

        When dealing with natural disasters such as hurricanes and floods, proper preparation is the key to ensuring your family remains safe and limiting damage to your home and personal belongings. Cincinnati’s Risk Management team completes assessments on all homes in catastrophe prone areas to ensure your home is well prepared and to provide recommendations on any improvements that can be made to limit the possibility of damage.

        Water damage is one of the most common types of claims reported. Ranging from toilet leaks to a sump pump losing power, these claims are costly and messy. However, there are ways to help reduce the chance of experiencing a loss:

        • Install a water shut-off system to detect unusual flow rates in your plumbing system and automatically turn off the water main to your home.
        • Purchase a battery back-up system on your sump pump to avoid costly losses during a power outage. Should you lose electricity during a storm, these systems will kick on, allowing your sump pump to continue to expel water.
        • Keep your thermostat on to at least 60 degrees, even if you are away from home. This will help keep your house warm and reduce the risk of frozen pipes.

         In the event you have a water leak, turn off the water main supply and contact your plumber right away.