Clarke & Sampson Blog

Securing Your Home Before Hitting The Road

Posted by Scott Jefferson

Feb 14, 2014 2:52:00 PM

With the upcoming holiday weekend, we thought this would be a great opportunity to emphasize the importance of securing your home before leaving for a trip. Burglar activity tends to spike around holidays. Fortunately there are a number of simple steps you can take to protect yourself.      Alarm_blog

- Lock doors and windows. It may seem so obvious it isn't worth mentioning, but according to a nationwide survey, 25% of homeowners acknowledged leaving the house regularly without locking doors or windows.

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Topics: Home Security, Alexandria VA, Homeowners Insurance

Flood Warning System - New Alexandria, Belle View, Huntington

Posted by Scott Jefferson

Jan 9, 2014 11:35:00 AM

Do you live in a low-lying area of Fairfax County? Perhaps you have family that does? We have good news to share that can help keep you and your loved ones safe. Fairfax County has launched a new emergency alert system to warn residents of flood threats.

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Topics: Flood Insurance, Flood Facts, Alexandria Flood, Hurricane Preparedness, Home Security, Alexandria VA

Ten Principles of Historic Property Preservation

Posted by Scott Jefferson

Dec 16, 2013 3:16:00 PM

In the 1989 issue of Historic Preservation, Susan Morse described what she called, "The Do's and Don'ts" for those who have invested their time and resources into restoring historic properties. The list that she compiled is still widely circulated and regularly cited by the National Trust for Historic Preservation. While the list was intended for owners of historic properties, it is also relevant to our work as insurers of historic properties. We'd like to share the ten principles with you, and add some helpful guidance from an insurance and risk management perspective.

 

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Topics: Personal Insurance, Home Security, Historic Home

Protecting Your Home With Thermal Imaging

Posted by Scott Jefferson

Nov 15, 2013 12:02:00 PM

Thermal imaging has become a hot topic amongst homeowners. Originally developed to identify enemy soldiers at night, thermal imaging is now used in everything from medical applications to building construction. The technology is catching the attention of homeowners because it provides valuable information on three major concerns of homeowners: heating and cooling efficiency, water damage and mold, and unwanted guests such as termites and rodents.

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Topics: Personal Insurance, Home Security, Thermal Inspection, Thermal Imaging

Protecting Your Trusts and LLCs

Posted by Scott Jefferson

Nov 8, 2013 8:03:00 AM

Holding personal real estate in a Trust or LLC is a common practice in the United States, whether it is for estate planning, limiting personal liability, or tax reasons. According to the IRS, the personal use of LLCs and trusts has increased substantially over the last decade. Most people are not aware, however, that the use of these instruments influences how your property insurance should be structured. In our experiences, it is a common misconception that assets held in LLCs and trusts are protected from liability. The reality is that even a trust or LLC could be liable if there is an injury on the property.

How are trusts and LLCs used?

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Topics: Personal Insurance, Home Security, Personal Liability

Insuring Your Historic Home

Posted by Scott Jefferson

Oct 30, 2013 4:41:00 PM

Whether you live in a revolutionary war era farm home or an early 1930s federal style townhome, it's probably the charm, elegance, and history of the home that you fell in love with. Your home may also have a special place in your heart because, frankly, they just don't make homes like they used to.

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Topics: Personal Insurance, Home Security, Historic Home

Four Reasons To Have a Home Security System

Posted by Scott Jefferson

Oct 8, 2013 9:43:00 AM

Each year an average of 16.3 million reported burglaries occur, threatening life and property. It’s no wonder homeowners seeking peace of mind often turn to home security systems. Home security systems can be beneficial in a number of ways. Here are four major reasons you should have a home security system:

1. Home security systems reduce risk of theft.

Homes without professional security systems are three times as likely to be victims of theft. Why? It is simple; thieves look for easy targets.

2. Faster response to burglary, fire, and carbon monoxide.

Home security systems have 24 hour monitoring through a network or interconnected monitoring centers, which helps to ensure that both you and the proper authorities are notified as soon as possible of a potential threat.

3. Reduced cost of homeowners insurance.

Homeowners insurance companies offer discounts up to 20% for home security systems. In the case of a high value home, insurance companies often require home security systems.

4. Reduced risk of victimization as a result of burglary.

Trauma, bodily injury, and death are the greatest threats of burglary. Personal property can be replaced, but a life cannot. According to government statistics, 7% of burglaries involve violent victimization. Home security systems can deter burglars, decrease authority response time, and help capture and prosecute burglars, all of which help to protect lives.

Your safety and security is a priority at Clarke & Sampson. If you have any questions on this topic, please do not hesitate to contact us.

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Topics: Personal Insurance, Home Security