Home Owners Insurance In Ohio

BBB warns of offer in mail

A company named HomeServe USA Corp., "Home Service of Texas," is mailing letters to homeowners in Wichita Falls trying to get them to sign up for water service line insurance coverage.

The Connecticut-based company is not a government agency despite the appearance of the letter, according to an advisory sent out by the Better Business Bureau.

In a release sent out by the Wichita Falls Public Information Officer said the letter has caused some homeowners to contact the city asking why they are required to carry water line insurance.

The insurance is not a city program and not required for Wichita Falls property owners.

The BBB recently learned the company is not Florida-based as originally thought but has its headquarters located in Connecticut. The company has used a lot of different addresses, according to the BBB.

President of the local BBB Monica Horton said because the complaints filed are all directed to Connecticut, she doesn't know if any originate from Wichita Falls. She said her office has received several phone calls about the letter.

HomeServe is not BBB accredited and holds a "C" rating. The BBB received 111 complaints in last 3 years, and 55 locations closed in last 12 months, according to the BBB report.

Government action was taken on HomeServe in Kentucky and Ohio in 2010.

"They're supposed to refrain from using unfair or misleading advertisement," Horton said.

The Austin address on the letter is strictly for payments and applications. A phone number in the letter links to a report out of Florida where the company is based.

The letter states:

"Our records indicate your home at ... is not covered by Water Service Line Coverage from Home Service.

"Without this coverage, you are responsible for the full cost of maintaining and repairing the water service line that brings freshwater to your property at ... Protect yourself with Water Service Line Coverage. Coverage is optional and not required by your local utility or community. Repairs to this line are not typically covered by basic homeowners insurance and could cost you up to $2,300.

Local Wiseman Insurance Agency Releases a Home Safety ...

Therefore, the local insurance experts would like to ensure that everyone who has protected their home with the Ohio homeowners insurance residents need also protects themselves and their families with the following household safety tips:

* Ensure that stairs are in good physical condition and that there are handrails on both sides of the stairway.

* Place non-slip material under all mats and rugs so that they do not slide out from under someone who is walking over them.

* Hallways should be lit with nightlights so that people who wake up during the night do not trip.

* Electrical outlets should be fastened tightly to the wall and appliances should never be kept plugged in near water sources like faucets or a washing machine.

* In addition to smoke alarms, all homes should have carbon monoxide detectors.

Even with home insurance, Ohio residents need to take it upon themselves to ensure their personal safety within their home. It’s easy to think of a home as a safe haven where a family cannot be harmed, but simple things like clutter and carelessness can turn into major accidents.

The team at Wiseman Insurance Agency knows that people want their home to be a relaxing, welcoming environment, so evaluating the premises for safety threats on a regular basis can help ensure that their home meets these criteria and that they can achieve peace of mind.

About Wiseman Insurance Agency:

Established in 1928, Wiseman Insurance Agency is a full service, family owned agency dedicated to providing you with superior Ohio insurance.

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