NYS COVID-19 P&C CUSTOMER RELIEF NOTICE
New York State Department of Financial Services extends grace periods for certain property/casualty insurance policies. If you are an individual or small business and can demonstrate financial hardship as a result of the coronavirus pandemic.
NYS COVID-19 LIFE INSURANCE CUSTOMER RELIEF NOTICE
New York State Department of Financial Services extends grace period and give you other rights under life insurance policy or annuity contract if you can demonstrate financial hardship as a result of the coronavirus pandemic. Read more.
OFFICE CLOSURE DURING COVID-19
As we continue to monitor the spread of COVID-19 (coronavirus), the health and safety of our policy holders and staff is our top priority. Based on recommendations from the CDC (Center for Disease Control) as well as the recommendations from the New York State Governor, SEFCU Insurance Agency has made the decision to temporarily close our offices located at 469 State Street, 3rdFloor, Schenectady and 297 Main Street, Schoharie beginning Friday, March 20th until further notice.
This temporary closure affects SEFCU Insurance Agency offices ONLY.
During this time of uncertainty, you can rest assured knowing that SEFCU Insurance Agency will continue to meet the needs of our customers. Agents are available by phone as well as email to service your policies, offer quotes, and answer any of your questions. We will not be staffing our offices or accepting premium payments in person.
Water Damage | Mitigate the Destruction
Published: February 17, 2016
Updated: August 11, 2020
by Michael Kelly
Water damage is one of the most common causes of property damage.
You wouldn’t expect your refrigerator to ruin your kitchen and floors, or even destroy support structures in your home, but it’s actually very possible.
Home water damage can be caused by leaking fixtures and appliances or faulty pipes and hoses. These leaks can range from a trickle that can cause harm over time, to a sudden burst that can cause immediate impact to your home.
Luckily, with a few simple precautions you may greatly reduce the chances of water damaging your home.
How Do I Prevent Water Damage?
We often forget just how much high-pressure water is flowing through our homes for use in cooking, cleaning and sanitation. Just one compromised conduit could result in heavy damages. That’s why it’s essential to make sure that your home is as safe as possible from water damage and that you know what to do if an accident occurs. With just a few routine checks, you could help prevent catastrophe.
Here are some steps to follow to help you easily protect your home from water damage.
Step 1: Check Your Appliances
Appliances are capable of causing water damage that ranges from damp and moldy carpeting to ruined hardwood or—if left unchecked—possibly even devastating structural damage. You’ll want make sure to inspect:
- washing machine
- water heater
- air conditioning units
Be sure to check the hoses on your washing machine and refrigerator at least annually. If there are any cracks or bulges in the hose, you should have it replaced immediately. Regardless of the hose’s condition, it should always be replaced every five years.
The entire refrigerator unit should be inspected annually to ensure that other piping isn’t compromised and at risk for causing a leak. Often times, leaks can go unnoticed and seep into support structures. A plumber will know where to look to make sure that there are no leaks in or damage to the unit.
It’s also smart to check your AC units regularly. Window units will often drip water onto the outside of your house or on your yard. During times of increased usage, such as the spring and summer, you’ll want to ensure that this dripping isn’t causing degradation to the outside of your house, or causing a buildup in your yard that could seep into your basement or ground floor.
If you have a central air unit, you’ll want to check the drain lines to make sure that they aren’t clogged. A yearly check should be enough to catch any clog before it becomes severe.
Step 2: Protect the Heating and Plumbing
You should make sure that your water heating unit is installed near a floor drain to mitigate any leaks. If your floors don’t have drains, you can place a small, submersible pump near the water heater. This submersible pump will turn on if it senses water and begin pumping that excess water into a portable container. This may help lessen the severity of any damage from a leak that occurs before you’re able to find a professional to service the heater.
Any plumbing should be inspected annually, but here are some simple steps you can take to maintain its integrity and reduce the chances of a leak:
- Remove any hoses or attachments from outdoor spigots in the winter to prevent pipes from freezing and cracking.
- Never hang anything from a pipe as this will compromise the joints and supports.
- Add insulation to pipes in areas of your home that get cold easily (garage, basements or crawl spaces).
- Install shut-off valves for all appliances and fixtures to stop the flow of water during an accident and to make repairs easier.
Step 3: Soften Water to Avoid Mineral Damage to Plumbing and Appliances
Homes with hard water need to be especially careful to prevent damage to plumbing and appliances. Minerals from hard water (particularly calcium and magnesium) can bind themselves to the interior of pipes and create blockages. In addition to creating jams, they can also eat through the piping, creating small holes that will leak and eventually cause the pipe to collapse. These minerals can also cause serious damage to appliances, destroying hoses and corroding metal, which can ultimately lead to water leakage.
You can soften the water in your home by installing a water softening device in your plumbing system. This device will release non-hazardous chemicals into your water that will help fight against the calcium and magnesium buildup. Because one of the main chemicals used to soften water is sodium, it may be wise to keep your “softened” water separate from your drinking water.
A Leak Has Occurred—Now What
Imagine you come home from a week-long vacation only to find an enormous puddle of water encircling your refrigerator. The water covering your kitchen floor has leaked through the floor and into the basement. Worst of all, there is still water coming out of the refrigerator. What should you do?
- shut off the flow of water
- report the claim
Reporting a Water Claim to Your Insurance Company
- Describe the incident
- Explain the damage to your property
- Confirm the phone number where we can reach you throughout the claim process
Finding a Water Restoration Company to Fix Your Home’s Damage
It may be tempting to hire a local contractor who can get to your home that day to assess the damage, or who offers very low prices, but this may end up costing you more in the long run. Not all contractors are alike; here are a few red flags you should look out for when hiring one to repair your property damage:
- Arrives at your property without being solicited
- Says they can give you a low price because they have materials left over from a previous job
- Estimates are extremely high or low compared to others and offered in a “lump sum” total
- Cancellation fee is included in the contract provisions
- Asks for total payment before starting the repairs
- Acts on your behalf to identify damage and submit claims
- Asks that you endorse insurance checks over to themselves
- Has an unusually high level knowledge for insurance terminology
- Doesn’t have a fixed address for their business
- Cannot provide references
- Local Better Business Bureau has record of consumer complaints
Courtesy of The Hartford