John A. Saracino Insurance Agency

Archive for the ‘Homeowner Insurance’ Category

 

Insurance Information Institute Article

 

YOUR HOMEOWNERS INSURANCE MAY PROVIDE OFF-PREMISES PROTECTION, BUT POLICY LIMITS DIFFER, SAYS INSURANCE INFORMATION INSTITUTE.

 

Whether you are downsizing to a smaller home, safeguarding heirlooms after a death in the family or are simply a pack rat who has accumulated too much stuff, many find storage units, including portable on demand storage (PODS), offer a useful solution for dealing with extra belongings. In fact, the Self Storage Association notes that one out of every ten households in the U.S. currently rents some kind of storage unit. While storage units may be the answer to de-cluttering your home, adequate insurance coverage is the answer to protecting items while in storage…Read full article from I.I.I. website.

 

 

How often do you get water in your basement? Once or twice a year? How often is too often? Do you end up with inches or feet of standing water? How much is too much? Have you had problems where your sump pump can’t keep up or you lose electricity preventing your pump from working at all? If every rainy spring or hurricane season is causing you to pull your hair out over a wet basement, you should look into a Guardian Emergency Back Up Sump Pump.

The Guardian Pump is a water energized auxiliary de-watering pump. The Guardian Pump is used in emergency situations such as sump pump failure or electrical power outages. The Guardian Pump utilizes city water pressure which is available in such emergencies.

 

Here’s How The Guardian® Works

Sump pump failure

 

A standard, electric sump pump is designed for occasional use with clean rain water. Heavy storms can generate a large volume of water, which the pump cannot handle. Power outages can cause them to fail altogether.

Without the sump pump running, the water level in the sump pit will rise.

 

Guardian® takes over

 

The rising water level causes the specially designed float to rise, mechanically activating the diaphragm valve. Using a vacuum created in the ejector, water is siphoned out of the pit, protecting your property.

 

The patented Guardian® provides the ultimate security for the most valuable asset you have – your home.

 

Diaphragm Valve: CLOSED

 

The diaphragm valve is controlled by the pressure on either side of the diaphragm. Pressure is equalized on both sides of the valve, due to an orifice between the two chambers.

When pressure is equal, a spring causes the diaphragm to close off the waterway.

 

Diaphragm Valve: OPEN

 

As the float rises, it activates the operating valve, depressing the needle on the diaphragm valve.

Water streams out of the needle, relieving the pressure in the rear chamber of the valve. This relief opens the valve, allowing water to flow through the ejector and pull water out of the sump pit.

When the float goes down, the needle is released and water accumulates behind the diaphragm. The pressure builds behind the diaphragm and causes it to close the waterway, stopping the pump from running.