Understanding Your Insurance Company's Late Policy

Understanding your insurance company's late policy is very important. Failure to understand the late policy could result in the cancellation of your policy. When selecting an insurance company remember to understand your policy coverage and ask the following questions regarding the company's policy on payments:

• When does my payment have to be received in order to be on time?
  
• Does the payment need to be postmarked by a certain time?
  
• In what office does the payment need to be received?
  
• How do you issue a cancellation policy? Will it be a part of the bill or separate?
  
• Do you have a maximum # of late payments that are allowed before you cancel my insurance policy permanently?"

For all your Broken Arrow, OK. area insurance needs, contact Mike Tedford, Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.

For all your Broken Arrow, Oklahoma area real estate needs, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or www.darrylbaskin.com.

Are There Bugs in Your Bed??

Okay. I know you are probably saying "Bugs in my bed? There are no bugs in my bed!" Actually, there are. There are two types of bugs that you are likely to find in your bed: Bed Bugs and Dust Mites. Dust Mites are microscopic bugs that eat dead skin cells that are shed from humans and animals. They can be found in lots of places, but are especially prevalent on mattresses, frequently used furniture, and carpeted areas. Humans slough off 1/3 (or 10 grams) of dead skin a week and cats and dogs produce even more. More than 100,000 can be on your mattress and in one square yard of carpeting. Many of us can actually be allergic to dust mites and their feces, which is a large component of dust.

Some of us might also discover Bed Bugs. Exterminating Bedbugs can be a difficult task. If you don't treat them they will move through the walls into another persons apartment or condominium (if you have shared walls). These bugs can come from buying things 2nd hand, letting someone spend the night in your home, using someone else's moving equipment plus many other ways. Bed bugs need a blood host- people or animals. They will usually be within 15 feet of a blood host and it only takes them 5 minutes to travel that far. They can sense our carbon dioxide when we exhale. When the population starts to get big, they become a part of your clothing. If you are trying to get rid of bedbugs, wash clothes and everything you can, weekly. They will be in mattresses and many other things. If you start to get bites or look like you have a rash, you might have bedbugs. They look like a tick but are smaller.

I know you're probably saying "That's enough, tell me how to get rid of the nasty things!"

We can't completely get rid of dust mites, here are some ways to reduce dust and Dust Mites in your home:

• Cover your mattress with a plastic cover or mattress cover made exclusively for reducing dust mites.
• Use Hardwood Flooring instead of carpeting since it is easier to reduce and clean dust from hard surfaces.
• Clean regularly. Wash your sheets and blankets at least once every two weeks and clean areas where they are likely to be every week.
• Reduce fabrics on your furniture by purchasing leather furniture, which is less inviting to Dust Mites.
• Use quality air filters and replace them often in order to reduce dust and allergens in your home.

To treat for Bed Bugs treatments are completely different. We don't use heat, we use pesticides to treat for Bed Bugs. Treatments range from $500-1000.


For all your Broken Arrow pest control needs, contact Mother Natures, 918-362-2000 or www.pestsecret.com.

For more information about hardwood flooring options in the Broken Arrow, OK. area, contact Jim Ecrette of ProSource Wholesale Floorcoverings at 918-252-7711 or www.prosourcefloors.com/tulsa. (Don't forget to ask for Darryl Baskin's flooring discount!)

To purchase quality air filters contact Rick Butefish of Filters 4 Me at 918-292-8600 or www.filters4me.com.

Insurance Claims...Prepare Ahead!

When homeowners file an insurance claim, many times, they find that insurance adjusters can't answer questions about their policy. That's because, often, insurance adjusters are sub-contracted by the insurance company and are not familiar with your specific policy. To help alleviate that problem, make sure that you ask plenty of questions about your policy before you purchase it. Find out what is covered and what isn't. Also, keep in mind that many policies stipulate that you have to file a lawsuit within 1 year of the claim or you will waive any right to do so. If there are problems with your claim, you may need to file a lawsuit before the year is up in order to make sure that your time doesn't run out and you are stuck with repairs that you can't pay for. To avoid being put into that position, work ahead, ask questions, and do your research.

For Broken Arrow Area Homeowners Insurance, contact Mike Tedford of Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.

For legal advice on insurance claims in Oklahoma, contact Paul Boudreaux of Richardson, Richardson, Boudreaux at 918-492-7674 or www.rrblawok.com.


For Broken Arrow Home Maintenance Professionals, visit www.tulsahomecare.com or talk to the professionals listed here:

Roofing Repairs in Broken Arrow, Judy Smith, A-Best Roofing, 918-587-1426 or www.abestroofing.com
Disaster Restoration in Broken Arrow, OK, Roger Fisher, PCC Cleaning & Restoration, 918-641-1111 or www.pcccr.com
Broken Arrow Electrical Repair, Larry Murray, Murray Electric, 918-557-3020 or www.murrayelectric.com
Broken Arrow Plumbing Repair, Markwayne Mullin, Mullin Plumbing, 918-258-6636 or www.mullinplumbing.com.
Heating and A/C Repair in Broken Arrow, Stephen Taylor, Air Assurance, 918-258-HEAT or www.airassurance.com.
Broken Arrow Area Building and Remodeling, Rick Oberlender, US Building Systems, 918-734-1293.

An Easy DIY Firepit..

With the cooler weather here, it is the perfect weather to enjoy a nice outdoor fire. For many, a cozy firepit is the ideal solution. Follow the steps below to add a great surround to a purchased or existing firepit! (The first 4 steps can be found at the following link http://www.lowescreativeideas.com/)

1. Find the right location, away from trees and building. Make sure the spot is level.
2. Place the screen on the ground to use as a guide to laying the blocks for the surround. (Lowe's recommends using OldCastle blocks.) *If you have a built in firepit or one that runs on natural gas, make sure you turn off the gas first!! If this is the case, you likely won't be able to move your firepit, check the height first to ensure that the blocks will work with your firepit.
   
3. Stack the blocks and make 3 layers (or more to ensure the appropriate height for your firepit).
4. Place your firepit into the ground.
5. If you have a Natural Gas firepit, for added sparkle, try using glass mulch, in your firepit.
   

For information on where to purchase glass mulch in Broken Arrow, visit www.gardenglassofoklahoma.com

For information on buying and selling your Broken Arrow area home, visit www.homeguidetulsa.com.

When You Move, Don't Pack These!!

Packing and moving can be a lengthy and stressful process. Knowing what to pack is simple, right? Not always! There are some items that should not be packed when you are using a moving company. Hazardous items are actually illegal for movers to transport. The following items should not be sent in the moving van:

• Pant and paint thinners
• Ammunition and firearms
• Gas, Propane, or Oil
• Flammable or explosive materials
• Aerosols
• Acetone products
• Stereo
• Matches
• Valuable items
• Pets

For a complete list of items Broken Arrow moving companies can’t move or to move your Broken Arrow area property, contact Mike, Relocation LLC, at 918-455-6683 or www.relocationllc.net.

For junk removal services in Broken Arrow, contact David Tittle, I-Haul, 918-261-4008 or www.ihaulusa.com.

For your Broken Arrow real estate needs, contact The Baskin Real Estate Specialists at McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Protecting Your Property From Fire...

Fire can be a devastating event. It damages everything in its path and can cause serious injury and death. To help protect your family and property from fire, read on.

• Be prepared ahead of time! Being prepared is probably the most important step of all. This step involves many things. First, make sure you have Oklahoma homeowner's insurance in the event of a fire. Second, have a fire escape plan with all the necessary items such as escape ladders, fire extinguisher, smoke detectors etc. Third, practice your fire escape plan. If you have children, this is especially important. Take time to discuss what to do in the event of a fire and practice this at all hours of the day and night. Don't take for granted that they know what to do.
• Avoid unnecessary risk! Cigarettes, fire places, and appliances are common causes of fires in the home. To avoid these risks, make sure that all cigarettes are put out before going to bed or if you are sleepy. Consider putting them in a glass of water to be safe. Make sure that fires in your fireplace are completely out. If you use it often, install a screen and glass door for extra safety. Finally, avoid putting appliances near furniture. Appliances and heaters placed near furniture can often overheat and cause a fire to start. When a fire starts from any one of the items above, they often start very slowly and smolder for a long time before actually catching fire and being detected.
• Test your smoke alarm! It is very important to test your smoke alarm often to ensure that it is working properly. Also, replace the battery at least once per year, even if it appears to be working. If your smoke alarm seems to go off regularly when there is not a problem, such as during cooking, consider moving it a few feet away. If your smoke alarm is 10 years old, replace it.
• Keep Emergency Numbers on Hand! Keep emergency numbers near all phones in case of fire or emergency.
• No matter how much we prepare, we can't completely prevent fires in our home. should a fire occur, remember to call your insurance agent and Bixby area home maintenance professionals to take care of any damage and ensure insurance coverage of repairs.

Contact these professionals for questions or quotes:

Homeowners Insurance Coverage in Broken Arrow, OK- Mike Tedford, Tedford Insurance, 918-299-2345 or www.tedfordinsurance.com.
Roofing Repairs in the Broken Arrow, OK area- Judy Smith, Abest Roofing, 918-587-1426 or www.abestroofing.com.
Fire Damage and Restoration in the Broken Arrow area- Roger Fisher, PCC Cleaning and Restoration, 918-641-1111 or www.pcccr.com.
Broken Arrow, OK. Electrical Repair- Larry Murray, Murray Electric, 918-835-9605 or www.murrayelectric.com
Plumbing Repair in the Broken Arrow, OK. area- Mullin Plumbing, 918-258-6636 or www.mullinplumbing.com
Junk Removal in Broken Arrow- David, I-Haul USA at www.ihaulusa.com or david@ihaulusa.com

Tips for a Less-Stressful Closing!

Buying and Selling a home can be a stressful process, but when the closing process doesn't happen smoothly, it can add even more stress. Here are a few tips to help the closing process happen without a few of the most common glitches. First, listen to the professionals. If your real estate agent or mortgage broker gives you suggestions for the closing and moving process, heed their advice. They see problems regularly and can help you avoid some of the most common problems. Second, sellers, pack and move out of the house as early in the day, or even the night before, as possible and schedule closing for the afternoon. For buyers, schedule the final walk through earlier in the day as well. This added time should help with any unplanned delays. Third, consider adding a little extra expense to your budget in case there is a delay in closing and storage or hotel costs are needed or you need to hire a professional for an unexpected home repair. Finally, ask for a final settlement statement a day or two in advance of closing so that last minute surprises are kept to a minimum.

For more information on the closing process or if you are in need of Broken Arrow area closing services, contact JJ Pierce, FirsTitle, 918-493-2241 or www.firstitle.com

For all your Tulsa mortgage needs, contact Steve Currington, Currington Mortgage, 918-394-LOAN or www.curringtonmortgage.com

For all your Broken Arrow, Oklahoma area real estate needs, contact, Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.