Protect Yourself. North Star Clean of Wisconsin.
There aren’t many events that are more disturbing or more tragic than a flood or fire in your home.
Your home is a place to raise your family. It’s a place to feel safe and secure. So when an event occurs that takes it all away from you — even temporarily — it’s normal for a feeling of helplessness to overwhelm those in the family.
You need help. You need reassurance. You want everything to be back to normal and you can’t do it alone.
So you turn to your insurance company and your agent you have been paying faithfully for many years. All you want is for your valuable items lost in the disaster to be replaced.
That’s what insurance is for, right?
But then you discover the hassle of proving what you had in the home and the condition of the items. Sure, you may eventually get replacements for all your lost belongings, but it can take a lot of time as you haggle with the insurance adjuster.
How to avoid this
Now is the time to prepare. There are some simple steps you can take to ensure that if the unthinkable does occur — even if it is just your basement flooding from rain waters — you are prepared.
Step 1: Ask your insurance agent if he or she has a worksheet available so you can create an inventory of all your belongings. There are also online sites that have resources to document your belongings.
Step 2: Create the list of all your valuables, even those just valuable to you, and take video or photographs of everything. Be sure to scan all your paper receipts. If you don’t have a scanner, take close-up photographs of your receipts.
Making Better Decisions. North Star Clean of Wisconsin.
You are shopping for new carpet, perhaps just a few rooms. Two of the rooms are bedrooms, which don’t get as much foot traffic as the entryway, living room and hallway you also need to replace. It’s been nearly 10 years since you had new carpet.
You go to a local carpet retail store. The carpet salesman has a great deal for you: A virtually stain-proof carpet with vibrant colors and also soft to the touch. You put your fingers into the carpet pile and love how it feels. You order the carpet for all the rooms you need to replace.
In a week or two, on the scheduled installation day, you remove all the furniture from the rooms and the installation pros show up and remove the old carpet and pad and put in the new.
It looks great!
A year later, when you decide it’s time to have the carpet cleaned, your carpet cleaning pros show up and do a great job removing the dirt. Even the spots come right out! However, there is a “worn” area in the living room and down the hallway, but not in the bedrooms. You ask your carpet cleaning pro why that is. He performs a fiber identification test and informs you that you purchased polyester carpet, which tends to matt down and look somewhat soiled just because of wear. He then kindly informs you that if you had purchased nylon, a more durable carpet fiber, this likely wouldn’t have happened.
You are upset. Don’t you hate it when you purchase something and it doesn’t perform as promised? But remember, carpet salespeople may not be your best consultant when it comes to fibers.
So before you go looking for new carpet or furniture, give your carpet and furniture cleaning pro a call. Ask which fiber is best for each application in your home. Yes, polyester may be soft and colorful, but it may be best to keep it in the bedrooms and use durable fibers, like nylon and wool (which is expensive), in the high trafficked areas of your home.