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Carlton Woods Homes
Are You Ready for this Seasons Wildfires? From an Insurance Perspective
How to prepare for the upcoming fire season -
by Ronald Reitz
If you live in San Diego County the upcoming summer of 2010 might be very dangerous.
Between the heavy growth from this year's rains and the reduced fire fighting budget in San Diego, local residents should do their part to be prepared.
Have you traveled the San Diego County back roads lately and seen all the wonderful green on the hills? It looks beautiful now but once the summer heat and winds arrive, that pretty foliage will be converted into potential fuel for another out of control wildfire.
According to a recent article in the San Diego Union Tribune, the "Winter rains that brought much needed moisture to the region also triggered abundant grass growth that top fire officials say puts the county at an increased fire risk this summer. Even swaths that burned in the 2003 and 2007 firestorms aren't safe because of the re-growth."
"Anything that can burn, will burn under the worst conditions," said Carlton Joseph, fire chief for the Cleveland National Forest.
Are you ready?
In addition to making your property fire safe by cutting back brush, removing wood fences and wood structures, and eliminating wood shingles, San Diego residents also need to:
1) Check insurance coverage - are they properly insured?
2) Determine if your home inventory list up to date
3) Have an evacuation plan (including data back up)
Check Your Insurance Coverage
Every year, the costs to rebuild go up. Is your homeowner's insurance policy coverage keeping up with the increases in building and construction costs? If your home does burn down, will your insurance policy cover the new codes and building regulations? Many policies are limited to just rebuilding what you are already have.
In the two big previous San Diego wildfires, the 2007 Witch fire and the 2003 Cedar fire, many homeowners discovered after the fact that their policies were out of date and they were under-insured.
Even with the threat of wild fire danger, we believe that most San Diego County homeowners are still under insured. According to most insurance companies, it is the responsibility of the homeowner to determine the appropriate levels of insurance for their property, not your insurance agent. An agent or broker cannot know the value of your property and your possessions as well as you can.
You have to take the responsibility to properly insure your house.
Review your policy to see what kind of coverage you have. Do you have Replacement Cost or Actual Cash Value? Guaranteed Replacement Cost is the best but also the most expensive. Remember, don't base the replacement cost limits on the amount of your mortgage.
When examining your existing policy, make sure that all of your personal property is correctly insured. Do you have extensive or expensive landscaping, trees, plants or shrubs that need to have higher limits? Determining the actual replacement cost value of your property is not easy or simple. Make sure your agent does the work.
By the way, you can click here for more information and to get a free Homeowners Insurance Guide Checklist.
How to Know What You Might Need to Replace?
Every year, you and your family should update your home inventory list. This is a list of all the items that your family owns that you would want reimbursement for should your home burn down.
In addition to large items like furniture, appliances, major electronics, cars, boats, etc., this should also include clothing, pots and pans, seasonal items, tools, cameras, jewelry and all the other property that you and your family own in the house.
After a disaster, one of the biggest challenges people face is preparing a list of their personal property destroyed in the fire. What was it worth?
Even in the best of times, you will find that you cannot remember everything or the specific details. Now add in the stress of disaster, desperately searching for a place to live, and just getting to work every day, and you can see how recollecting the details of your lost belongings, what they were, how much they cost, and when you got them, can be an almost insurmountable task.
Preparation can provide a little peace of mind. You can download a free Home Inventory List from San Diego's Quality Claims Management, and work from that. You can supplement the list with still images and videos of the various items. A good technique is to go room by room, cataloging the various items and taking video or a picture of it. For example, when doing the bedrooms, take your items out of the shelves and the closets and place them on a bed and make a visual record. In the kitchen, pull out the various pots and pans, silverware and dining sets and seasonal items, and display them on a counter or a table for photographing.
You might want to make a family activity out of this and involve the kids as well, especially when documenting the items in their bedrooms, den and garage.
Enter all this info into your computer, along with the images, and burn a CD or two. Once the data is done, make sure you keep copies outside of the home. Maybe send one CD to a relative, put another in a safe deposit box. It doesn't make sense to have your inventory list burn up with the rest of your possessions.
Offsite storage should also extend to your computers and the info they contain. In addition to storing back up drives, CDs and data outside your house, there are a variety of free online back up services. Do an Internet search for "Free Online Back Up". Several of these businesses offer free storage of up to 2 gigs. For a few dollars a month, many services enable you to regularly back up all your information so it is protected.
Have an Evacuation Plan
Begin by reviewing your insurance policy. What kinds of emergency help are you entitled to?
Most insurance policies provide coverage for you and your family to stay in a residence similar in size and quality to your current residence. During a wildfire, or right after your home is destroyed, is not the best time to start thinking about this. Every year or two, look around and identify nearby hotels that may be available in an emergency. Is it big enough for you and your family? Is the location convenient to schools and work? Is it kid friendly? If you have pets, especially large ones, can you take them there?
If your pets are too large or too exotic for a hotel, what will you do with them? Prepare a list of various boarding facilities and stables that could possibly take your animals in case of a disaster.
Finally, how is your family going to evacuate? Who is going to take what? Depending on the ages of your children and whether or not they have cars, you might want to assign responsibility for the family possessions to specific individuals. If the kids are in school during a fire, what is going to happen? If mom is off on a business trip when a wildfire event happens, who will evacuate what?
If the family gets separated, where is everyone going to meet? Who is responsible for the pets? If you live in a fire danger zone, it makes sense to sit down periodically as a family and discuss these matters.
This summer - 2010 - may be a hot one. Hopefully, San Diego will not be torched by any wildfires. But it is always wise to be prepared. You will be able to sleep a lot better knowing that your family, your home and your possessions are adequately protected.
* Make sure you have an evacuation plan.
* Make sure your inventory list is up to date and all your important information, photos, videos and other data are backed up somewhere outside of your home.
* Contact your insurance agent to make sure that your have appropriate insurance and adequate coverage for your property.
About the Author
Ronald R. Reitz, CPPA, President of Quality Claims Management, http://www.qualityclaims.com, pioneered the National Hazard Insurance Claims business of GMAC-RFC (now GMAC-ResCap). Mr. Reitz left GMAC-ResCap in January 2007 after ten years of managing the Insurance Services group. He is the past President of the California Association of Public Insurance Adjusters (CAPIA) and is currently an officer on the Board of Directors of the National Association of Public Insurance Adjusters (NAPIA) www.napia.com. Recognized as a leading expert on hazard claims, he is serving on many industry panels, as well as providing consulting and training services industry-wide. Quality Claims Management Corporation provides hazard claim recovery services to investors, mortgage servicers, homeowners and businesses. All claims are adjusted by licensed insurance professionals for an equitable settlement and accelerated resolution timelines. Quality Claims is nationally licensed as Public Insurance Adjusters or Insurance Consultants and complies with Department of Insurance Regulations
Homes for Sale - 14232 Carlton Woods Ln - Charlotte, NC 2827
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Carlton Woods Homes
Tata Housing Primanti Villas And Residences Sector 72 Gurgaon The New Luxury
Primanti,a luxurious 36 acre residential development on Southern Peripheral Road, Gurgaon.
It is like living in a place where tree-lined boulevards wind their way through lush, wooded parks. Picturesque pergolas and water bodies,dappled with sunlight and shade, glimmer through the trees.
Primanti is envisioned in a way where nature "boundless beauty meets every luxury you" expect. Be it walking to the spa through the manicured lawns or entertaining yourself in an outdoor pool amid lush greens, it is everything you have always dreamt of. Ensconced within these landscaped gardens are premium villas, duplexes and luxurious tower residences, with elevated courtyards, open terraces and private gardens. Discover a home where modern architecture merges seamlessly with the natural landscape,giving luxury a whole new meaning.
A LANDSCAPE DESIGNED TO NURTURE WELL-BEING.
Primanti is a green haven with 80% of the property reserved for open spaces. A series of interconnected orchards, meadows and gardens, span sinuously across the complex. The rich flora forms dramatic patterns with stone structures and water features,inspired by Delhi's Mughal Gardens.This creates a lush, parkland setting that invites residents to spend more time outdoors. Garden retreats with water cascades, pergolas and framed views, become spaces for socialising and rejuvenating amid nature. Groves of indigenous Banyan and Mulberry trees create areas of privacy. Footpaths wind past grassy knolls to reveal unexpected views as you explore the estate.Ensconced within these fragrant gardens are residences designed to offer a living experience with the ideal balance.
PRIMANTI VILLAS ARE A HAVEN OF PRIVACY AND LUXURY.
It is Turning the tree-lined boulevard into one's own private basement carport. The private elevator whisk into the triple-height entry foyer. And step into the grand glass-lined living and dining area overlooking the walled, private garden and pool. These 7000 sq.ft. and 8500 sq.ft. villas are 5 level, 4 bedroom residences with an exclusive garden, private pool and gym area.An elevated courtyard on the first level floods the family lounge area with natural light. Its double height provides space for a vertical garden on the first floor. While a private terrace with elevator access also allows you to entertain under the stars. A mix of single and double height provides a distinctive spatial character to this luxurious residence with one level looking out onto another. Natural light and surrounding greenery add a sense of balance and privacy. With ample room for living and working, and multiple entertaining venues, this truly is a new experience in luxury.
RESIDENCES have EXECUTIVE FLOORS
Executive Floors are luxurious duplexes which are housed in exclusive 4-storey elegantly designed buildings. These 3250 sq.ft.
ground + 1 units feature 4 spacious bedrooms and exclusive green landscaped gardens. While the larger 4500 sq.ft. duplex
above has an open terrace with a roof garden and a personal plunge pool. Each comes with a separate servant's room.
EXECUTIVE APARTMENTS
Executive Apartments are housed in G+9 and G+11 storey mid-rise buildings with just one apartment on each floor. All apartments are open on 3 sides. These 3300 sq.ft., 4 BHK units feature a unique double height living area. The top 2 level penthouse units have grand open terraces while
the ground floor units have 3 bedrooms with attached private garden areas. All Executive Apartments have separate servant's room and an exclusive service elevator.
TOWER RESIDENCES
Tower Residences are luxurious 3 and 4 BHK apartments, surrounded by interconnected orchards, formal gardens and squares. These 22 to 40 storey, high rise towers offer you a breathtaking view of the surroundings. A winding path leads through the gardens to the clubhouse and spa areas, allowing residents to enjoy the best of nature. The 2185 sq.ft., 3 BHK apartments are housed in separate towers with 4 apartments on each floor. 4 BHK towers will have a choice of two sizes of 4 apartments on each floor of the tower - larger 2905 sq.ft. units and smaller 2625 sq.ft. units. All the units shall have a servant's room.
ROOFTOP RESTAURANT:
The spa sweeps up to a rooftop restaurant on the 40th floor.Sip a hot cup of cappuccino as you enjoy open views of the Delhi Ridge. You"ll find world-class cuisines cooked to perfection at this gourmet restaurant.Residents will be able to relish the convenience of dining out without leaving the complex.
The 25,000 sq. ft. development features a state-of-the-art clubhouse and sporting zone where you"ll find every facility, from an outdoor swimming pool, a temperature controlled indoor pool and gym to gaming and courts for tennis, basketball and other sports. An entertainment and relaxation complex contains a juice bar, entertainment venues and card rooms.
Take off the shoes and stroll through manicured lawns to the expansive spa. Escape into a tranquil solitude as you experience a host of treatments and therapies in a contemporary setting. It is designed to provide the perfect ambience to de-stress and unwind overlooking lush greenery. Revitalise your senses with some of the signature massages or simply lie back, close your eyes and enjoy the soothing sense of stillness. It's an experience that strives to achieve perfect harmony between your body and soul.
Primanti is located at Sector 72 in Gurgaon on Southern Peripheral Road. A 150-metre wide road leads into the site, connecting Sohna Road to NH 8. It's proximity to NH 8 gives you high speed access to airports, business centres, shopping malls and many other important destinations like New Delhi. Schools, healthcare facilities and entertainment areas are also a stone's throw away.
DISTANCES:
Access to NH 8 - 5 kms International Airport - 22 kms
Domestic Airport - 25 kms Shopping Malls - 3 kms
THE DEVELOPERS
TATA HOUSING
Established in 1984, Tata Housing Development Company Ltd. is a fully owned subsidiary of Tata Sons Limited. Tata Housing has stood out in the industry with its ethical business practices, rapidly acquiring a public image of a reliable, quality conscious developer. Every conceptualised project is designed and implemented in association with architects and landscape designers who are the best in the business. On-time delivery, low operating costs and an international standard of design has led to various accolades, including the prestigious Asia Pacific Property Award, 2009.
GREEN HOMES INITIATIVE: BUILDING HOMES. PRESERVING ENVIRONMENTS.
At Tata Housing, we aim to create a clean, sustainable environment for our residents after careful consideration of the following parameters: energy and water conservation, site selection, indoor air quality and the use of environment friendly materials.
These parameters are in strict accordance with LEED (Leadership in Energy and Environmental Design), US Green Building Council (USGBC), Tata Energy and Resources Institute (TERI) and the Indian Green Building Council (IGBC). Tata Housing's foray into green buildings began with Xylem-Bengaluru's first Green IT park, which has been awarded a Gold LEED rating by USGBC. The group has since, had many residential projects, like Raisina Residency in Gurgaon, awarded a Gold Pre-Certification from the Indian Green Building Council.
PROJECT CONSULTANTS
ARCHITECTURAL DESIGN: KPF, UK
Kohn Pedersen Fox Associates is an international practice headquartered in New York, with offices in London, Shanghai, Hong Kong, Seoul, and Abu Dhabi. The firm provides architectural, interior, urban design as well as programming and master planning services for their clients in both public and private sectors. At the core of our architectural practice is design excellence. Winning over 300 awards KPF has earned recognition as one of the most respected architectural design practices in the world. Its body of work has been widely exhibited and is also a subject of 13 monographs.
Some of their famous works include projects like the Gold Coast Towers in Australia, Marina Towers in Lebanon, Mandarin Oriental in Las Vegas and the Ritz Carlton in Toronto amongst many others.
LANDSCAPE DESIGN: CAPTIVA LOVEJOY, UK
Capita Lovejoy is one of UK's largest multifaceted consultancies, delivering infrastructure projects on a local, national and international scale. Capita Lovejoy has a staff of over 4,500 people spread across 63 offices in UK and other international countries. They offer a vast range of professional and technical expertise across an unrivalled number of services.
The company believes in being a strategic partner to their clients and supports them at all stages of a project. Capita Lovejoy understands the key risks and challenges in their client's business and ensure to put their efforts where it's most needed.
Some of their previous work includes Disneyland Paris, Royal Ascot Racecourse, Sheldon Square Paddington, the Canary Riverside Four Seasons Hotel and a residential development at London's Canary Wharf.
About the Author
Call Arun @ +919560214267
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