FENCE - The main purpose of having a fence installed is to serve as a visual and physical security outline of your property. This is effective for keeping people or animals in or out. Today fencing can be installed from a selection of different kinds of material and styles.When your fence is installed it can be done to specific height requirements.

AUTOMATED SECURITY GATES - To have control of when and who enters or exits your property an automated gate is an added plus. These gates can give you the finish to your exterior security that you might be looking for. An automated gate comes with several options and in different configurations. The access system can also be set up for your specific needs.

WINDOW GUARDS - These are basically protection at one of your home or buildings weakest points for entry or exit. Now depending on what your needs might be plays a large role in what you would have installed. Are they to stop someone from entering, for child protection or both? Security bars or window guards can be set up to be low profile or highly visible depending on the purpose and area.

LIGHTING - By adding direct lighting to areas on your property will help to add safety for the people that are coming and going during nighttime hours. Also, this is a great deterrent for criminal purposes.

SECURITY MONITORING - This system monitors your points of entry electronically and is a good way to add a safeguard to your home or property. Typically this is set up on all entrance and exit doors. You should tie in at least the first floor windows to the system also.

SURVEILLANCE CAMERAS - CC or Closed Circuit systems can be installed with different types of cameras and also recording devices. This measure is more commonly in use by commercial property owners but has gained in popularity with home owners as well.

GUARD SERVICE - Having a guard service on your property can add an element of immediate response and overall on location security. Any company that you would hire to provide guard service to your property should be able to fulfill the required needs of their client.

he 2008 Hurricane Season is upon us; having started on June 1st, the hurricane season runs through November 30th. The 2008 Hurricane Season was predicted to be “above average”, however to date the season and the tropics have been relatively quiet with only a few named storms, and only one that impacted south Texas. Historically however, the worst storms form in August through October. One needs to look back to the volatile 2004 and 2005 seasons when seven (7) storms crashed upon the U.S. coastlines killing scores of people and causing billions of dollars in property damages. Guess who has not forgotten about past storms ? Answer: Your insurance company. Policy owners in effected coastal and hurricane zone areas have seen rate increases year after year to pay for past losses and payouts for property damages. As a result, now is the time for home and property owners to evaluate their property casualty insurance to assure that they are covered in case of storm damage loss. The following hurricane insured preparedness tips should assist the policy owner when pending storms are imminent.

Images are of your property are important. Take pictures and video of you personal property and Real Estate. Make sure the insurance company can see the condition of your house before the storm.

Maintain trees and shrubbery and other outside objects in a safe location - trees and shrubbery branches often become trajectories during a storm, and uprooted trees can actually impale both your home and that of neighbors.

Take photos immediately after the storm of damages - It is critical to take photos to show any immediate damages to property and personal property to disclose the causation factor. In other words, the storm caused the damages. Many times insurance companies will attempt to deny damages.

Keep your important documents and records in a safe place - A small lock box, or hand held file carrier can be transported easily and is a safe way to transport records and documents with you if you are required to evacuate your house.

If you lose power, save all receipts for food, hotels, and other expenses - If you are forced to evacuate your home quickly by authorities as a result of a pending storm; make sure you save your out of pocket expenses for spoiled food, hotel stays, and other expenses for having to leave your home.

Contact your insurance company as soon as possible - Don’t wait to contact your insurance company to see if there are damages, most likely the insurance company will be swamped with calls for damages; get inline and contact your insurance carrier to assess your damages.

Keep time for how long it takes you to clean-up. It may reimbursable. - Take notes on all the hours and expenditures you have for your clean-up efforts.

Record the name and date of the insurance adjuster that visited your home. - Your insurance company has an affirmitive duty to record dates and times of calls regarding your case. But guess what ? They rarely track as closely as they should. Your evidence that you contacted and informed them of your damages may become a key issue in case their is a dispute regarding your damages.

Make sure you are given a claim number by the insurance company - Once you contact your insurance company ask them for a claim number and note the time and date of your call and if possible the person you spoke with on the phone. Note every call you make to the insurance company regarding your claim.

Do not sign any documents that say ‘release’ - Do not sign any releases on your claim. Depending on your state statutes, you may have several years to report a claim for damages.

If you feel you have been underpaid or are not paid on your claim contact a Lawyer, your insurance commissioner, or even a public adjuster if your state allows that specializes in first party contract claims. Insurance companies are in business because they take in more then they pay out, and the first pass of reimbursement for damages may not amount to what you are due under the policy for final damages as a result of your loss If you receive a check, go ahead and deposit it but do not sign any releases on your claim. Many people believe that if they find future damages attributable to the storm that they will not be able to recover more money if they have already received a check- not true. If you are not sure contact a lawyer.

If you receive a check, go ahead and deposit it as long as you do not sign any releases on your claim.

FENCE - Having a fence installed puts a physical and visual boundary on your property. This can be an effective way of adding an element of security to your property for people and animals. The intent is to keep them in or out. Fencing can be constructed from many types of material and styles. They can also be installed with height requirements.

AUTOMATED SECURITY GATES - This allows you to control when someone has access to enter or exit your property. An automated gate might be the added finishing touch that you need to complete your outside security measures. An automated gate installed with an access system can be set up with different options and in various configurations.

WINDOW GUARDS - Your windows are one of your house or buildings weakest points security wise. The main purpose of window guards is basically to protect against entry or exit.You should consider the main purpose that you are having window guards installed. They can be installed to be seen as highly visible or low profile, This depends on the area and the purpose that the window guards serve.

LIGHTING - By adding direct lighting to areas on your property will help to add safety for the people that are coming and going during nighttime hours. Also, this is a great deterrent for criminal purposes.

SECURITY MONITORING - This system monitors your points of entry electronically and is a good way to add a safeguard to your home or property. Typically this is set up on all entrance and exit doors. You should tie in at least the first floor windows to the system also.

SURVEILLANCE CAMERAS - CC or Closed Circuit systems can be installed with different types of cameras and also recording devices. This measure is more commonly in use by commercial property owners but has gained in popularity with home owners as well.

GUARD SERVICE - Hiring an on-site security company allows for a response person to be immediately available and adds to the overall security on your property. When hiring a contract security guard service keep in mind that they should be able to work with you based on your specific requirements

Your insurance company has not forgotten about the damages paid out in previous years. Policy owners in effected coastal and hurricane zone areas have seen rate increases year after year to pay for past losses and payouts for property damages. As a result, now is the time for home and property owners to evaluate their property casualty insurance to assure that they are covered in case of storm damage loss. Historically The worst storms form from August through October.

Take photos and make a list of your personal property - Normally your insurance policy has different coverages for property and personal property damages (i.e. clothes, food, furniture). By taking photos or video of both the internal and external property of your house and taking an inventory of the major items will greatly assist any claim against your insurance carrier.

Maintain trees and shrubbery and other outside objects in a safe location - trees and shrubbery branches often become missiles during a storm, and uprooted trees can actually damage roofs and trusses by colliding with houses.

Video and Photograph the property right after the storm. It is critical to take photos to show any immediate damages to property and personal property to disclose the causation factor. If you end up in an eventual dispute with your insurance company regarding damages the photos and videos you take right after the storm are normally your best evidence to show that damages occurred.

Keep your important documents and records in a safe place - A small lock box, or hand held file carrier can be transported easily and is a safe way to transport records and documents with you if you are required to evacuate your house.

If you lose power, save all receipts for food, hotels, and other expenses - Often you may be forced to vacate your house quickly with a pending storm. From the time you leave your house, until your return, your insurance company is responsible for your out of pocket expenses for spoiled food, hotel stays, and other expenses for having to leave your home.

Contact your insurance company as soon as possible - Don’t wait to contact your insurance company to see if there are damages, most likely the insurance company will be swamped with calls for damages; get inline and contact your insurance carrier to assess your damages.

Record the time it takes you to clean-up. It may reimbursable. - Take notes on all the hours and expenditures you have for your clean-up efforts. Things such as hotel, gas, and sometimes even food receipts may be reimbursable under your policy.

Record the name and date of the insurance adjuster that visited your home. - It is critical when an insurance adjuster visits your home that they have the correct licenses and general liability coverages required for your state.

Make sure the insurance company gives you a claim number - Once you contact your insurance company ask them for a claim number and note the time and date of your call and if possible the person you spoke with on the phone. Keep track of every conversation and keep notes.

Do not sign any contracts or documents that say ‘release’ - If your insurance company ask you to sign a release with a check- don’t do it ! Damages can sometimes manifest themselves months after your loss. It is important you realize that you may have latent damages to your home that may not be outwardly visible in the hours and days right after the storm.

If you feel you have been underpaid on your claim contact an attorney that specializes in first party contract claims. Insurance companies are in business because they take in more then they pay out, and the first pass of reimbursement for damages may not amount to what you are due under the policy for final damages as a result of your loss.

If you receive a check, go ahead and deposit it as long as you do not sign any releases on your claim.