Month: March 2025

What You Should Know About Coverage of Smoke Damage To Your Home

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A fire can be a frightening, damaging event, but the smoke and soot that lingers after the incident can have other troubling effects. Your home insurance policy provides coverage for removing the effects of smoke after a home fire. At Clockwork Insurance Services in Metairie, LA, we help clients acquire the insurance they need when a damaging fire and smoke event happens to their home.

Smoke Can Cause Damage To Home Interiors and Health

After a fire, soot may cover walls, furniture, and personal items and must be carefully cleaned. Some items may not be able to be saved and may have to be discarded. A strong smell of smoke may linger in interior spaces after removing damaged items. The toxic chemicals in smoke can affect health, especially for sensitive individuals in your household, such as those with asthma, infants, and seniors. You may need cleanup by a professional restoration service to ensure your home is returned to a safe and healthy condition.

Your Home Insurance Can Help Restore Your Home To Normal

If your home experiences smoke damage from a fire, contact your insurance agent to discuss coverage that will help to restore your residence to a safe and livable condition. Home restoration companies have the equipment and expertise needed to bring your home back to normal.

Make Clockwork Insurance Services Your Agent For Home Insurance

If you would like to learn more about the coverage your home insurance policy provides, our experienced agents can provide the details. We offer many insurance products for our clients, including home, auto, flood, umbrella, and business. Contact Clockwork Insurance Services in Metairie, LA, today for a no-obligation quote on home insurance coverage that will help restore your home when fire and smoke damage occur.

Don’t Rely On Luck: Theft Prevention Tips for Jewelers

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There are key times of the day and of the year when jewelry stores are most at risk for theft. Whether theft by employees or the public, either can be costly in time and financially. The time it takes to file a police report, get in touch with your insurance company to begin a claim and just the inconvenience of this incident along with addressing what led to this can be quite time consuming. 

Don’t rely on luck. 

Review your current theft protection plans and update them as needed. Here are some areas to review that can boost your current plan.

  1. Opening processes of your store.
  2. You should have 2 or more people during the opening of your store.
  3. Inspect the area prior to unlocking the doors
  4. Have one person keeping an eye outside while the other goes into the store, locks the door behind and checks that the store looks as it should.
  5. Processes during open hours.
  6. Security should be aware of the selling procedures your employees use and be keeping a close eye when precious pieces are brought out of cases for inspection by a customer.
  7. Employees should have a specific plan for showing jewelry and stick to it with security on the top of their mind while making a sale.
  8. Closing procedures should be followed and not be rushed. 
  9. If a phone rings, either let it go or stop closing procedures and stay inside the store to handle the call. This is just one example of a distraction that could put a store at risk.
  10. As with opening the store, 2 people should close the store, and neither should be dealing with any distractions. Employees should watch for each other and the area around them. One person should lock the store while the other watches what is going on around them.

During peak season, additional security should always be present and both security personnel and employees should watch for individuals “casing” the store. Any suspicious activity should be reported and written up. A log should be kept keeping up with any suspicious activity so that no one must rely only on memory.

Each store will have its own specific areas to address, and careful security planning is a must. Signing up with your local crime watch programs is helpful. 

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