Risk Management

Contact us today
Home Page



Thanks to the internet, homeowners everywhere can easily access more ideas and plans than ever before. But that also means they’re getting a hold of something dangerous … confidence. Mistakes, injuries, and insurance claims are growing just as fast as the do it yourself movement. So before you start your next DIY project, beware the following hazards:

  1. Ladders

In a 15-year study, simple ladder missteps put more than two million Americans in the hospital—97 percent of those accidents occurred in homes or farms. Homeowners insurance doesn’t cover members of the household in the event of an injury, so watch where you’re stepping.

Protip: Make sure you take your time when using a ladder and have someone hold the frame for extra stabilization.

  2: Powersaws

Every year, an average of 60,000 Americans find themselves hospitalized with a saw-related injury and 4,000 go home less a few fingers. While new technology is being developed to make saw injuries as dated as the Black Plague, proper precautions should be taken before executing an amputation home improvement project.

Protip: It can wait until tomorrow: 10 percent of those injured by a saw reported that they were tired and near the end of a project.

 3. Tree Removal

With costs as high as $4,000 to have a professional remove 75 feet of unwanted bark, it comes as no surprise that some homeowners attempt to DIY a tree takedown.  However, unless you’re seven feet tall and have a big blue ox, chances are you shouldn’t take the risk. Depending on your liability coverage, a botched tree removal can leave you paying out of pocket for the resulting damage.

Protip: Like skydiving, tree removal is a service you don’t want to cheap out on. 

  4. Uninsured "Professional" Contractors

Hiring a cheap set of helping hands off of Craigslist might seem like a good idea, until the help loses a hand. Contractors without any insurance for worker’s compensation will likely go after the homeowner for medical expenses incurred on the job. Many insurance companies require licensed professionals to perform work on a homeowner’s property and can therefore deny coverage to Craigslist Joe, leaving you with the bill.

Protip: Saving a couple hundred bucks now isn’t worth the thousands you’d have to spend if an uninsured contractor gets injured.

  5. Forgetting to update your insurance

So you, Mr. DIY himself, just spent six months renovating every room in your house but forgot to reassess the value. Since your insurance company only knows what the house looked like pre-renovations, don’t count on receiving compensation for your improvements after mayhem strikes. Remodeling your home can easily add thousands of dollars to your home’s value, but if you don’t reassess, it could all be for nothing.

Protip: Talk to your insurance company before and after you remodel.


Source: LeadNomics

Posted 6:54 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016

View Mobile Version
Request A Quote

Refer Referrals
We love referrals! And thank you even more for your continued business.
Policies Customer Service
Self policy service any time of the day, directly from our website.
Newsletter Join Our Newsletter
Stay in touch with the latest events, news and offers we have.
Our Office Connect With Us

Main Office

7755 Center Ave Suite 1100
Huntington Beach, CA 92647

Maps & Driving Directions...

Contact Us Today!

PH: 714-841-5830
FX: 714-841-5831

Our Employee Directory
  Facebook LinkedIn