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Tinley Park, IL

(708)845-7922

Residential and Commercial plumbers and plumbing contractors available in Orland Park, Tinley Park, Oak Lawn, Palos Heights, Midlothian, Oak Forest, Homer Glen, Mokena, Frankfort, and the surrounding Chicago South Suburbs. 24 Hour Emergency plumbers.

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Kevin Szabo Jr Plumbing Blog

Kevin Szabo Jr Plumbing is Tinley Park, Orland Park, Oak Forest, Midlothian, Orland Hill, Homer Glen, Mokena, Frankfort, Crestwood, Palos Heights, Oak Lawn, local plumber. Read our blog for advice, tips, a good laugh, and basic home improvement.

**We are moving our old blog to our new and improved website. Too see all our posts visit kevinszabojrplumbing.blogspot.com

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An IntroductionTo Renters Insurance Coverage

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An Introduction to Renters Insurance Coverage

Renters insurance is an extremely affordable way for tenants to keep their belongings safe, with the average premium totaling less than $150 per year. Yet under 40% of all renters are insured, in large part because of a lack of awareness among tenants about the benefits of renters insurance.

It’s impossible to predict when an emergency situation will strike, and the best way to prepare for the unexpected is to stay insured. Understanding the benefits and coverage of a renters insurance policy will allow you to make an informed decision about acquiring coverage.

How Does Renters Insurance Work?

Since relatively few people purchase renters insurance, there are some common misunderstandings regarding what exactly is covered under a typical policy. Some tenants assume that they’re automatically protected under their landlord’s insurance, but the truth is that you need your own policy to be covered in case your possessions are damaged or stolen.

Many tenants wonder if renters insurance covers water damage, bedbugs, and other unexpected occurrences. While there are some important differences in the fine print of many policies, a typical renters insurance plan provides coverage up to a certain limit in case of weather events such as rain, wind, fire, and hail. That said, more extreme conditions like earthquakes and floods will generally require additional coverage, so it’s important to make sure you’re protected if you live in a vulnerable region.

Your policy will also pay for temporary relocation in case your apartment is no longer habitable, a responsibility that may or may not be picked up by your landlord. The price of a few coffees each month is well worth the peace of mind that comes from knowing you’ll be kept on your feet no matter what happens.

Exceptions to Renters Insurance Coverage

While renters insurance provides critical protection for a number of costly situations, there are some things that most policies won’t cover. The first two examples are earthquakes and flooding, which many insurance companies offer as a separate policy. 

Under a standard renters insurance policy, you won’t be compensated for any damage done to extremely valuable or rare items such as jewelry and fine art. The most common insurance limit is $100,000, but you’ll likely still need to purchase additional insurance if you want these items covered.

Other common situations tenants often find themselves in, like losing a phone or having a pet cause damage, are not covered under renters insurance. Your protection also won’t apply to anyone else living in the apartment unless they purchase their own coverage.

Renters insurance is a low-cost, reliable method of keeping your belongings safe and ensuring you’ll have a place to stay even in a worst-case scenario. For less than a dollar a day, you can cover all the possessions in your apartment from loss or damage resulting from anything from fire to theft.

Guest Contributor, Armand Levitz

Make a DifferencE, change the roll

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Everyone Wants to Change the World

“Changing the toilet paper roll won’t make a difference to the world, but changing the toilet paper roll will make a difference to one person.”

Make a Difference, Change the Roll.

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Tips to Avoid Common Heating Problems This Winter

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Tips to Avoid Common Heating Problems This Winter 

They say winter is the most magical time of the year, but is that still so if your heater breaks down? There’s nothing more troublesome than going through the cold months with a faulty heating system. Sure, it’s nice to watch the snow falling and feel the cold breeze once in a while, but it’s a different story when you’re looking forward to a cozy night at home only to find your heater fail you.

Keeping your home warm over the winter months is not only essential to your comfort but your health as well. The drop in temperature can affect your immune system and make your body more vulnerable to sickness and infections. That said, it is imperative that you take the time to make sure that your heater works well before the colder days hit.

How To Keep Your Heater Working Smoothly 

Schedule regular heater maintenance

Nobody will ever do it better than the pros. Make it a point to schedule a heater tune-up before winter starts and another when it’s over. Having your heater cleaned and checked by professionals will extend its life and give you peace of mind throughout the season.

Make sure the pilot light is on

Checking if the pilot light on your furnace is lit should be one of the first things on your list when preparing for the cold days ahead. This is a fairly simple task, and the steps on how to do it should be on your user's manual.

Clean your heater and perform a visual inspection

Wipe the dust off your heater and clean or replace dirty filters. Also, give your heater a visual once-over to ensure that all parts are intact. Check the wires closely for any signs of damage or fraying. If you see something wrong with the wirings, get in touch with an electrician as soon as possible.

Watch out for weird noises

As you clean your heater, turn it on and listen for any odd noises. Any weird or gurgling sounds could mean that there's a leak, a crack, or some other problem within. Holes in the heater can be dangerous and should be addressed by an HVAC professional immediately.

Give your heater a trial run

Lastly, do a trial run. Turn your heater on for about 10 to 20 minutes to make sure that the system is generating the expected level of heat. This will assure you that your heater is in prime condition and will work like new when you need it to.

Guest Contributor, Michelle West

How to Navigate a Flooded Apartment

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How to Navigate a Flooded Apartment

No one wants to deal with a flooded apartment. Unfortunately, it’s sometimes unavoidable. Knowing what to do if such an incident happens is important.

You’ll hopefully never have to use these tips. That said, if your apartment ever does flood, keep the following points in mind.

Protect Yourself First

This point actually has more to do with preparing for a flood. The whole experience will be a lot less stressful if you’re prepared with renters insurance.

If your apartment floods, renters insurance might cover it. Most plans are very affordable, costing about the same as a few cups of coffee per month.

It’s also important to look for early warning signs. Identify them, and you may be able to prevent a flood.

Regularly check plumbing appliances for signs of leaks. After rain, check for leaking surfaces. Alert the landlord as soon as you spot a problem.

Protect Belongings During the Flood

Obviously, during a major weather-related flood, you need to get to a safe place.

Not all apartment floods are major, though. Some result from internal plumbing issues. During minor flooding, get valuable items away from the water as soon as possible. You might even prepare ahead of time by finding a place nearby where you could store your belongings in case of a flood. Perhaps a friendly neighbor would let you keep your valuables in their apartment should the need ever arise.

Once you’ve secured your belongings, alert the landlord. You might be able to stop the leak yourself as you wait for them to send a professional. However, if the flooding is substantial, don’t go into the apartment until the utility company has disconnected the electricity.

Addressing Post-Flood Damage

The process of handling the aftermath of an apartment flood will vary on a case-by-case basis. Different regions simply have different laws and regulations.

In general, though, your landlord’s insurance will only cover the building itself and any features of the apartment they provided. It will not cover your personal belongings if they are damaged in a flood.

True, there are circumstances in which the landlord may be found liable. Perhaps the flood resulted from an issue you had previously informed them about. If they failed to address it in a timely manner despite numerous reminders, they might be responsible for covering damage to your belongings.

That said, this usually isn’t the case. This is another reason to have renters insurance. You’ll avoid dire financial circumstances if you have a policy. Renters insurance could also help with relocation costs if flooding makes the apartment uninhabitable.

Depending on the degree of damage and the cause of the flood, you might be able to terminate your lease without any repercussions. Some landlords are also willing to let tenants relocate to similar units within their properties.

Investigate your options immediately after a flood. Again, the specific laws that apply vary from one region to another. Protect yourself ahead of time with renters insurance, and you could avoid a lot of headaches if the applicable laws don’t favor tenants in these situations.

Guest Contributor, Armand Levitz

Best Ways To Prevent The Most Common AC Problems

RH Business Marketing Solutions

Find out the best ways that can help prevent the most common AC system problems from happening.

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