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This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on November 2, 1998. The length of the article is 910 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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Agent Growth On The Web Leaves Stragglers At Risk.: An article from: National Underwriter Property & Casualty-Risk & Benefits Management

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This online guide was created to help buyers of real estate, whether for a personal residence or investment property, ensure that they protect themselves on their purchase by doing the proper due diligence. Professor Leonard Baron, MBA, CPA, is a nationally recognized expert on protecting oneself when purchasing property, a San Diego State University Real Estate lecturer, a commercial real estate consultant, a twenty year real estate owner, and loves kicking the tir… More >>

Real Estate Ownership, Investment and Due Diligence 101 – A Common Sense Guide to Protecting Yourself and Reducing Your Risk on the Largest Purchase You … Estate Ownership and Due Diligence 101)

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This digital document is an article from Mortgage Banking, published by Thomson Gale on March 1, 2007. The length of the article is 424 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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Title: PMI sees higher risk of home-price de… More >>

PMI sees higher risk of home-price declines across country.: An article from: Mortgage Banking

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This digital document is an article from Risk & Insurance, published by Axon Group on January 1, 2009. The length of the article is 653 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

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Title: Keeping core competencies close to home: popularity of sending some wor… More >>

Keeping core competencies close to home: popularity of sending some workers’ comp claims processing functions offshore drops, survey finds.: An article from: Risk & Insurance

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This digital document is an article from Best’s Review, published by Thomson Gale on November 1, 2007. The length of the article is 6800 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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Title: High alert: insurers are covering hi… More >>

High alert: insurers are covering high-end vacation homes by stepping up their risk management techniques.: An article from: Best’s Review

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This digital document is an article from Nursing Homes, published by Thomson Gale on May 1, 2006. The length of the article is 4639 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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FDA bed safety guidance: mitigating risk.: An article from: Nursing Homes

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This digital document is an article from Risk & Insurance, published by Thomson Gale on May 1, 2007. The length of the article is 4450 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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Title: Small is bountiful … and well receiv… More >>

Small is bountiful … and well received: perhaps one of Vermont’s best-kept secrets is that it’s home to a lot more captives writing less than $1 million … story): An article from: Risk & Insurance

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This digital document is an article from Risk & Insurance, published by Axon Group on September 15, 2008. The length of the article is 678 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

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Title: Putting out home fires: employees want to work from home, but teleco… More >>

Putting out home fires: employees want to work from home, but telecommuting increases a company’s exposure to data theft.: An article from: Risk & Insurance

The first one is to buy a burglar alarm. Nowadays you can get wireless systems that tie in with movement detectors across your house. The system can be set up in just a few minutes and immediately will reduce your costs of home insurance. As a bonus, it will also reduce the likelihood of you being burgled because the statistical truth is that houses are far less likely to be burgled when a prominent burglar alarm is on the outside. No burglar wants to be rushed into escaping because a loud wailing sound interrupts their pernicious line of theft.

You should also ensure that windows and doors have sufficient locks and bolts to keep all but the most determined thieves out of your house. Insurance companies will ask whether your front and back door have deadlocks as well as regular door key locks and this will certainly reduce your premiums if you do have these.

It is advisable not to store ladders and steps in outside sheds or buildings because it only takes a boy (or girl) with a bucket to pretend to be a window-cleaner and have a good old snoop around the entire house before deciding whether or not to steal your stuff. Don’t make it easy for them – in fact you can plant prickly bushes and hedges around the downstairs windows to make life a basic misery if they want to try to peek in or climb in through a downstairs window.

Deposit insurance, risk, and capital adequacy

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This digital document is an article from Health Care Financing Review, published by Thomson Gale on March 22, 2007. The length of the article is 7713 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

From the author: Risk adjustment is a critical tool in public reporting of quality… More >>

Risk adjustment and public reporting on home health care.: An article from: Health Care Financing Review

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This digital document is an article from Risk & Insurance, published by Axon Group on April 15, 2005. The length of the article is 1389 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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Title: Should I stay, and should I grow? Two… More >>

Should I stay, and should I grow? Two companies from opposite ends of the country began their hunt for a magic potion to help slow premium increases. In … An article from: Risk & Insurance

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This digital document is an article from Journal of Risk and Insurance, published by American Risk and Insurance Association, Inc. on September 1, 2004. The length of the article is 422 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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South Carolina finds no “property damage” alleged in homeowners’ claims of injury to home value due to defendants building on contaminated land.(Recent … article from: Journal of Risk and Insurance

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This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on May 1, 2000. The length of the article is 1103 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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At-Home Work Spurs Risk Mgt. Concerns.: An article from: National Underwriter Property & Casualty-Risk & Benefits Management

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This digital document is an article from Risk & Insurance, published by Axon Group on July 1, 2009. The length of the article is 376 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

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Title: Wounded back home: a three-part series.(IN-DEPTH)
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Wounded back home: a three-part series.: An article from: Risk & Insurance

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This digital document is an article from Journal of Risk and Insurance, published by American Risk and Insurance Association, Inc. on June 1, 2000. The length of the article is 928 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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DAMAGES TO HOME FROM MARIJUANA PRODUCTION DEEMED “VANDALISM” UNDER HOMEOWNERS POLICY.: An article from: Journal of Risk and Insurance

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This digital document is an article from Risk & Insurance, published by Axon Group on April 1, 2000. The length of the article is 670 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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Title: WORKERS’COMP.(Brief Article)
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WORKERS’COMP.: An article from: Risk & Insurance

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This digital document is an article from Risk & Insurance, published by Axon Group on September 15, 2008. The length of the article is 554 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

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Title: Arbitration revisited.(THE LAW)
Author: Philip G… More >>

Arbitration revisited.: An article from: Risk & Insurance

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This digital document is an article from Risk & Insurance, published by Axon Group on November 1, 2009. The length of the article is 990 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

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Title: The new wrap-up 2.0: OneBeacon, DeWitt Stern launch a new policy wrap … More >>

The new wrap-up 2.0: OneBeacon, DeWitt Stern launch a new policy wrap up for the entertainment industry. Will America, home of Hollywood, catch on?(BROKERS: … An article from: Risk & Insurance

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This digital document is an article from Risk & Insurance, published by Axon Group on July 1, 2009. The length of the article is 2224 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.

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Title: Wounded back home: in the first of a three-part series, Risk & Insurance[… More >>

Wounded back home: in the first of a three-part series, Risk & Insurance workers’ comp columnist Peter Rousmaniere explores the health, wellness and … SERIES): An article from: Risk & Insurance

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This digital document is an article from Risk & Insurance, published by Axon Group on June 1, 2004. The length of the article is 1021 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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A bizarre bazaar: mortgage holders demand that the problems with the home title be taken care of by a title insurance company. But the mortgage companies … An article from: Risk & Insurance

Sharing the Risk: How the Nation’s Businesses, Homes and Autos Are Insured

Sharing the Risk: How the Nations Businesses, Homes & Autos Are Insured

Figures published by the Irish Independent and compiled by the Irish Brokers Association, reveals worrying trends that may result in residents being unable to claim for repairs to their property. The study highlighted the number of homes that are currently left empty for several months as owners are unable to find tenants or holidaymakers to live in them temporarily. This may be the result of fewer people choosing to take breaks due to the impact of the recession on their finances. The research shows that the number of unoccupied homes in Ireland has soared to 350,000 since 2002, where this figure was just 140,000.

The majority of houses that lie vacant are private homes, while others include second homes and flats that are rented out as holiday villas by their owners. This indicates that some property owners may be risking their second income by allowing their insurance to become invalidated. The association warns that many house insurance policies are void if the property is empty for more than thirty days at one time. This is because premiums are calculated on the likelihood of the home being burgled, amongst other criteria.

Empty properties may be at greater risk of attracting intruders, which insurance companies wish to avoid. As an Irish homeowner you are advised to read the small print in your policies so you are aware of the rules on unoccupied properties. You are likely to find that if you have taken out both buildings and content insurance your policy will cover your house and its items, following damage or burglary. This is imperative for your main and second home to protect them from disasters.

If your second property is a source of income for you it is advised to get a policy that will finance repairs to it if floods, fire and storms occur. Likewise, insuring your valuables and furnishings in your properties can help you to replace them if they are snatched by burglars, or damaged by other events. You may like to check with your insurance company how long you can leave your property empty for so you have the opportunity to make alternative arrangements, which may help you to prevent invalidating your policy and instead, safeguard your business income.

There are many other examples, with the most common being a water leak or washer hose break. The amount of damage caused by running water for 7 hours (the amount of time before the owner returned from work for example) and 17 days (the next scheduled visit from your neighbor to look in on an empty home) is enormous, with the latter being a several hundred thousand dollar claim, as all the walls will be infested with mold. In order to repair a house that has had water running for several weeks, will take several weeks to over a month, with most of the drywall having to be stripped off the studs because of potentially toxic mold. The mold and mildew in the house needs to be treated and killed as well by a specialist before the new drywall can be put back in place.

This is the reason why homeowners insurance policies will pay for expenses you incur just after a loss has occurred in order to prevent additional damage. If a tree falls on your house, most policies will reimburse you for the service of a tree company that will immediately come out to the house and remove the tree, so the hole in the roof can be covered with a tarp and additional damage can be controlled and limited.

Homeowners need to plan ahead and when they know their home will be empty, unoccupied, or vacant, they need to cancel their existing policy in most cases, and implement a new policy designed to meet these needs.

The current situation involving the high rate of mortgage foreclosures causing many vacant homes to be sitting on the market while they attempt to sell, is not helping insurance companies become more eager to accept this risk. In certain areas with a high amount of foreclosures, there is a tremendous amount of vandalism on these properties including looting of pipes and even the homeless living in the houses.