The 2015 Farmers’ Almanac predicts “copious amounts of snow and rain” over the eastern third of the country. In fact, along the Atlantic Seaboard, active wintry weather is expected for the first 10 days of January and the first week of February with bouts of heavy snow and strong winds. With a relatively mild autumn in many parts of the country, now is a good time to take steps to winter-proof your home and make sure that you have the right type and amount of insurance.
According to the Insurance Information Institute, water damage and freezing account for almost 22 percent of all homeowners insurance claims, averaging $4,024 per claim. In fact, winter storms are the third-largest cause of catastrophe losses, causing $1.9 billion in insured losses in 2013, according to Munich Re.
Standard homeowners and renters policies cover winter-related disasters such as burst pipes, ice dams and wind damage caused by weight of ice or snow, as well as fire-related losses. Coverage for flooding is available from the National Flood Insurance Program and from some private insurance companies.
Flooding related to snow melting can overburden sewer systems, causing raw sewage to back up into the drains in your home. Backed up sewers can wreak havoc, causing thousands of dollars in damage to floors, walls, furniture and electrical systems. Sewer back-up is not covered under a typical homeowners or renters insurance policy, nor is it covered by flood insurance. This type of coverage must be purchased either as a separate product or as an endorsement.
Reprinted with permission from RISMedia. ©2014. All rights reserved.
Debbie Woolard Group
(757) 288-0194
www.DebbieWoolard.com
Excellent Service – Excellent Results
Buyers Agent/Sellers Agent
Our focus is helping people find and exchange dream homes. We are seeking buyers and sellers that desire concierge level service including great communication, extraordinary representation and a continuing relationship for years to come.
You and your referrals will be provided with a great team of professionals to help with each step of the process. We are committed and passionate about negotiating the best possible terms and serving our clients at the highest level. Our goal is to create memorable real estate experiences where our clients become raving fans.
Our clients benefit by having a Certified Negotiation Expert on their side. This provides them with better results, a smoother process and greater satisfaction.
Whether a person is looking to buy or sell a starter home or a multi-million dollar estate, Debbie Woolard produces great results for her clients. She gives clients what they expect and deserve, an experienced realtor skilled in marketing and negotiations.
With Debbie Woolard, you will receive personal service as well as exceptional professionalism. She is well qualified for her work with her strong background of sales and marketing. Having been born here and continuously living in the area, she is familiar with the entire Hampton Roads region.
She has earned the professional designations of Certified Negotiation Expert, Certified Residential Specialist, and e-Pro. In addition she is also a Short Sale and Foreclosure Resource with extensive training in short sales and foreclosures. This uniquely positions her to help those in danger of losing their home to foreclosure. It has also proven to be beneficial to the buyers that are seeking to purchase a short sale or foreclosure.
She is well qualified to help professionals, business owners, military personnel and other clients with their real estate needs. She has been selected to work with both the Military Team and Relocation Team. She is consistently producing outstanding results in real estate.
Her first year in real estate she was awarded Listing Rookie of the Year as well as Sales Rookie of the Year. Her sales and loyal following of satisfied clients have grown each year she has been in business. She is in the top 1% of the agents in the area based on sales volume. Her practice continues to flourish thanks to clients recommending her to friends, family members and business associates.
Her clients state that her actions and attitude are best described with the word “integrity”.
Realtors with the Debbie Woolard Group service Virginia Beach, Chesapeake, Norfolk, Suffolk, Hampton, Newport News & Portsmouth with specialist in seller representation, buyer representation, military relocation, first time home buyers, short sales and real estate investment.