7 essential tips to disaster proof your Homeowners Insurance

If disaster strikes your home in Oregon, you will need homeowners insurance coverage to help you rebuild, repair and replace the damage that occurred.  As you deal with the uncertainty and stress of recovery, the last thing you need to is try and wade through insurance process wondering if and how your home with be protected from loss.  Take action now. Let the team at EPB&B help you you evaluate your coverage and guide you through the insurance process before disaster strikes.  Here are seven ways to be proactive in protecting you and your home. 

  1. Review Your Policy: Carefully review your homeowners insurance policy to understand what types of damages are covered, and the specific coverage limits and deductibles that apply to your personal property.
  2. Document Your Belongings: Create a home inventory documenting all of your personal belongings, including furniture, electronics, appliances, clothing, jewelry, and other valuable items. Take photos or videos of each item, and keep receipts or records of purchase prices if available. Store this inventory in a safe place, such as a fireproof safe or an off-site location, so you can easily access it in the event of a diaster.
  3. Update Your Coverage Limits: If your current coverage limits for personal property are insufficient to replace all of your belongings in the event of a total loss, consider increasing your coverage limits. The EPB&B team can help you determine the appropriate coverage levels based on the value of your belongings.
  4. Consider Scheduled Personal Property Coverage: If you have high-value items such as jewelry, art, or collectibles, consider adding scheduled personal property coverage to your policy. This provides additional coverage for specific items that may exceed the standard limits of your policy.
  5. Understand Coverage Exclusions: Be aware of any exclusions or limitations in your policy regarding coverage for specific types of belongings or circumstances. For example, some policies may have limits on coverage for business equipment or recreational vehicles stored on your property.
  6. Maintain Documentation: Keep records of your insurance policy, including contact information for your insurance company or agent, policy numbers, and any endorsements or riders that modify your coverage. Make sure you know how to file a claim and understand the claims process in case you need to make a claim for  damage to your belongings.
  7. Regularly Review and Update Your Policy: Periodically review your homeowners insurance policy to ensure that your coverage adequately protects your belongings and reflects any changes in your circumstances, such as home renovations, additions to your personal property, or changes in the value of your belongings.

By taking these steps, you can help ensure that your belongings are adequately covered in the event they are damaged by a natural disaster, providing you with peace of mind and financial protection during a challenging time.


Wildfire Season: 5 ways Homeowners Insurance can protect you

Summer fun is here in Oregon, and so is wildfire season. Ensure you have the right Homeowners insurance in place to safeguard your home and belongings in the event of a fire. Homeowners Insurance typically covers damage caused by wildfires; however, the seasoned team of Personal Lines professionals at EPB&B  will collaborate with you to help you comprehend the extent of coverage and any limitations to your current homeowners Policy, providing you with the assurance you need.  

Here are some common aspects of homeowners insurance coverage to be aware of regarding wildfire damage. 

  1. Dwelling Coverage: This crucial part of your policy is designed to assist in repairing or rebuilding your home if it’s damaged or destroyed by a natural disaster, which often includes wildfires. It typically covers the structure of your home and attached structures like a garage or deck, ensuring comprehensive protection for your property. Personal Property Coverage: This part of your policy helps cover the cost of replacing personal belongings damaged or destroyed by covered events, including wildfire. This can include items like furniture, clothing, electronics, and appliances.  
  2. Additional Living Expenses (ALE) Coverage: If your home becomes uninhabitable due to wildfire damage, ALE coverage can help pay for temporary living expenses such as hotel bills, meals, and other costs incurred while your home is being repaired or rebuilt.
  3. Other Structures Coverage: This part of your policy typically covers structures on your property that are separate from your principal dwelling, such as sheds, fences, or detached garages, if a covered wildfire damages them.
  4. Liability Coverage: This part of your policy helps protect you financially if you’re found legally responsible for injuries to other people or damage to their property. For example, if someone is injured on your property during a wildfire and you’re found liable, your homeowner’s insurance may help cover their medical or legal expenses.

Prepare now and learn more about what you can do protect your home and loved ones in the event of wildfires.


It’s of utmost importance to meticulously review your policy and understand the specific coverage limits, exclusions, and deductibles that apply to your homeowner’s insurance. In addition, some areas prone to wildfires may necessitate additional coverage or may have specific regulations regarding insurance coverage for wildfire damage. By taking this proactive step, you can ensure you have the right insurance coverage to protect you.


Include a National Driver Register (NDR) report in your pre employment screening 

As a small business Oregon it is prudent to conduct a thorough pre employment screening before hiring a new employee and checking references, confirming skill competency and background checks are all part of the process.  What is often overlooked is running a National Driver Register (NDR) report on prospective employees PRIOR to hire. Neglecting to run an NDR report for businesses that require employees to drive such as delivery services, trucking and construction can be a costly mistake.  As a business owner, here are five reasons it is important to include an NDR report as part of your pre hire checklist:

  1.  Cost Savings: Hiring employees with clean driving records can lead to cost savings in terms of reduced insurance premiums, fewer vehicle accidents, and lower maintenance expenses. Additionally, avoiding potential legal issues and liabilities associated with hiring individuals with poor driving histories can save the business from costly litigation and settlements.
  2. Safety and Liability Concerns: Small businesses often have limited resources and may not have extensive training or safety protocols in place. Employing individuals with a history of driving offenses could pose a safety risk, especially if the job involves driving company vehicles or transporting goods. By conducting NDR reports, businesses can mitigate potential liability issues associated with accidents or incidents caused by employees with poor driving records.
  3. Protecting Company Assets: Small businesses may rely heavily on vehicles for transportation, deliveries, or providing services. Hiring employees with a history of traffic violations or accidents increases the risk of damage to company vehicles, which can lead to increased repair costs and operational disruptions. Conducting NDR reports helps in safeguarding company assets by identifying candidates with clean driving records.
  4. Maintaining Reputation: A small business’s reputation is often vital for its success. Incidents involving employees with poor driving records, such as accidents or traffic violations while on duty, can reflect negatively on the company’s image. Customers may lose trust in the business if they perceive it as negligent in ensuring the safety of its employees and the public. Running NDR reports helps in maintaining a positive reputation by demonstrating a commitment to safety and responsibility.
  5. Compliance with Regulations: Depending on the nature of the business and its location, there may be legal requirements or industry standards mandating background checks, including driving record checks, for certain positions. Failing to comply with these regulations could result in fines, penalties, or legal consequences for the business. Conducting NDR reports ensures compliance with relevant laws and regulations.

Running NDR reports on prospective employees is essential for small businesses to mitigate risks, ensure safety, protect assets, maintain reputation, comply with regulations, and achieve cost efficiencies. It helps in making informed hiring decisions and fostering a safer and more secure work environment. Contact the team at EPB&B insurance for more information on how you can protect your small business.