|
Vernon
Foster
Management
& Rentals
2803
W.
Vernon Ave., Suite D, Kinston NC 28504 |
VFMR says,
"BE
PREPARED"!
WHAT
YOU NEED TO KNOW (& DO!)
The
following
information is designed to save you time, money and help keep you safe!
Please select one
of the following images for Information and
Assistance...
  
     
Hurricanes
& Tropical Storms
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WHAT
TO DO BEFORE-DURING-AFTER THE STORM
BEFORE the
STORM
>
Watch
Weather
forecasts (Kinston AccuWeather).
> Have a "Family Plan"
including a "Rally
Point".
> Prepare
for the worst while
expecting less...
> Where is a copy of
your Renter's Insurance Policy? Keep it handy...know where it is. IF YOU NEED A COPY,
call your Insurance Agent -or- Register with the Insurance Carrier to
access your Account and Policy Online.
> Fuel Up all cars and
trucks.
> If your rental house has
gutters, you should be keeping them clean. If you see
leaves, sticks, straw in the gutters, clean
them out not before the storm.
> Go to ATM and
withdraw CASH (power goes out and you can't access your bank account).
> Buy NON-PERISABLE FOODS (you can't
keep bread for weeks, but you can saltine crackers). Jar peanut butter.
DON'T BUY MILK! The power will likely fail!
> Own
a generator? Change the spark plug, oil and filter. Flush the tank and
fuel line with fuel conditioner such as SeaFoam. Fuel it up and crank
it checking proper operation... You can buy gasoline which, if not
needed for generator can simply go into your automobile gas tank when
the need is ended.
> BE CAREFUL regarding carbon monoxide.
Use common sense and avoid the "CO" DANGER. Any gasoline engine or fuel
burning cooker does produce CO which, if concentrated, will KILL YOU
AND YOUR FAMILY!
> BUY
SEVERAL POLY-TARPS at LOWES, BIG BLUE or WALMART. Buy 3: BIG; MEDIUM;
and, SMALL. Unwrap ONLY if you need to use them; examples, ROOF SHINGLE
GONE OR A HOLE IN THE ROOF, BROKEN WINDOW, etc. Once the Storm is past,
if you did not need to unwrap/use them, take them back to the store for
a refund!
> REMEMBER,
any direct or close "hit" by a Hurricane means NO POWER for days!
Services and stores will likely be closed for days AND the supply of
staples will be limited.
VFMR
is a Rental Management Office. It
is NOT
"9-1-1". We will be in the same situation as you. So, DON'T DELAY. Get
as ready as you can. If it happens, stay safe and take a deep breath.
Rember the words, "This too shall pass!"
DURING
the STORM
* You are
responsible for:
Your personal safety and that of your family's;
your personal property; and, to safe guard the
rented house
from undue
damage.
+
If
the roof is leaking,
cover
the floor
and/or use
collection buckets
until repair help can arrive.
+ Close
ALL
storm window and
storm door glass sliders to keep excessive
rain water out of the window and door casing.
+ TURN
DOWN the refrigerator/freezer thermostat to coldest possible setting.
If you are fortunate and your power does not fail, don't forget to
restore the temperature settings to the original position (milk and eggs will freeze!).
+ If
your power
goes "OFF", do
not
OPEN THE REFRIGERATOR DOOR OR FREEZER DOOR. WAIT UNTIL AFTER THE
STORM... with luck, the power may be restored. If you do NOT open the
doors, refrigerator will keep foods for up to 4-hours with no power and
freezer is 48-hours full of food or 24-hours half-full. More information below.
+ No power
means No
lights. BE
CAREFUL
with
candles... Do NOT allow young
children to be responsible for burning candles or other forms of fire.
+ Do NOT
cook indoors with propane grills or cooktops when power is off...
Flames create carbon monoxide -and- The risk of accidental fire becomes
true.
+ YOU are responsible for
your
personal property... Appliances, Flat Screens, Computers, clothing,
furniture, etc... This
all adds up to a LOT OF MONEY... YOUR MONEY!
Neither the Landlord, nor this Agent/Manager have any insurance
coverage protecting you against the loss of your personal property.
UNDER THE LEASE
TERMS; which you signed, YOU are to have RENTER'S
INSURANCE protecting your Property as well as your liability, if you
make a costly mistake damaging the rented home. CALL YOUR
INSURANCE
AGENT EVERY SIX (6) MONTHS and be sure your coverage is up-to-date and
enforce.
IMPORTANT... As stated
above, take care of your family and yourself.. take care of your
personal property.. You are required to own insurance, but you do not
want to go through the hassle of a Claim, Right? ALSO REMEMBER... YOU
are responsible for Consequential
Damages to the rental home/apartment
IF you do not take appropriate actions when something goes wrong. You
CANNOT THINK, "It's not mine, so why should I do anything?" That would
be a very costly attitude. Remember, BE PREPARED!
AFTER THE
STORM PASSES
»
ELECTRICAL
FEED.
Check to see if the power lines (the one coming from the power pole to
the side of your house) is undamaged. If a limb struck this line, it
may be damaged or even "down". If damaged or down, DO NOT
GO NEAR IT!
IT MAY STILL BE ENERGIZED AND IT CAN KILL YOU!
» ROOF DAMAGE. GO INTO EACH
ROOM of your home and check for any roof leakage (water
stains or even damaged ceiling). Move your personal
property from beneath the leaking area. Use buckets or (if
you purchased one or more) poly
tarp to cover/protect the floor as well as any personals
you could not move (such as a bed). IF the roof has a hole
and you have the ability, use one or more of the poly-tarps you
purchased to cover the hole... nail the tarp to the roof... it's
already damaged, so some nails are okay... Go on the roof ONLY if you can do
so without risk to yourself or your family. Your safety and that of your family is
the first consideration!
HOW TO TARP A ROOF WITHOUT NAILS. Make
all reasonable efforts to secure the house and document the damage... Use your cell
phone to take pictures of the room and then the damage or
the house and then closer pic of the damage. You will send VFMR
via SMS text, your
cellphone images [(252) 468-0660].
BE SURE to include the
numerical number of your house address (a picture works!) and one or two word
description, I.E. - Roof damaged or Ceiling collapsed. Alternately,
you can email the damage information to vfmr@_____.com(you should know the email address).
» Refrigerated or Frozen Foods. If you lost power for more than
a few hours, GO TO THE USDA LINK FOR INFORMATION ON FOOD
SAFETY! FOOD SAFETY
» REMEMBER,
any direct or close "hit" by a Hurricane means NO POWER for
days! Services and stores will likely be closed for days AND the supply
of staples will be limited.
»
Take pictures
of damage to your personal property. Your
Insurance Company will need proof of the damages/loss. You
cannot
repair or discard personal property for which will will file a loss
claim with your insurance company... Their Adjuster may need to "see"
the damage. You
may protect your personal property as well as the rental
home from additional
or continuing damages so long as you do not put yourself
or others in danger by doing so. Stay Safe!
VFMR
is a Rental Management Office. It
is NOT
"9-1-1". We will be in the same situation as you. So, DON'T DELAY. Get
as ready as you can. If it happens, stay safe and take a deep breath.
Rember the words, "This too shall pass!" It will take time and all of
us will need patience.
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MANAGEMENT OFFICE SERVICES
9-1-1 "Emergency"
|
During
a
major weather event... Storm, Ice, Wind, whatever... You
should know:
1.
Management
Office is in the same "fix" you are... It may be many
hours or
many days
before anyone can come to your assistance.
So, BE
PREPARED!
2.
Local,
State and Federal Emergency Assistance will
be strained.
The same
thing
applies... It may be many hours or many days
before anyone can come to your assistance.
So, BE
PREPARED!
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LINKS TO HELP YOU "BE PREPARED"
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National
Weather Service Website NWS
Go
here for the very latest Storm and Weather information.
Personal
Property Inventory Tool (Courtesy
The Travelers
Insurance Company). How to create an Inventory/List with
documentation IF you lose your personal property because of a fire,
flood, storm or other major disaster.
Taking
pictures, videos and other types of Documentation
proving you own
"this or that".
How
to prove
you own it and
prove reasonable value to an Adjuster. [NOTE:
If you
do NOT
own Renter's Insurance, you will not need to take any pictures or
document any damage to your personal property as there will be NO
coverage for your loss.]
Check with
your Insurance Agent who carries your car insurance... Coverage for
personal or real property is USUALLY NOT
BOUND UNTIL THE 30TH DAY AFTER YOU HAVE PURCHASED THE COVERAGE. The
latter is a general rule, so just be sure to check with your Insurance
Agent or shop Insurance locally or online.
SAMPLE BE
PREPARED LIST, THINGS TO DO, WHERE TO FIND TOOLS
& Other
Information.
What,
when,
where, how... What to do to prepare for when
the "crap hits the
fan"! (Courtesy
Department of Homeland Security.)
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"How can I make it through this?"
Life
is not alway fair or kind. Things happen. But, it is IMPORTANT you
"take control" and do the right thing by those to whom you have made
promises or entered into mutual obligation. This refers to the written
Lease terms.
Regarding the Lease terms, these are "sacred" and not situation or
happening can alter those terms.
BUT, WHAT IF SOMETHING HAPPENS THAT INTERFERS WITH YOUR ABILITY TO ACT
IN ACCORDANCE WITH THE TERMS YOU HAVE SIGNED?
Here are some examples and what the LESSOR expects in each situation:
- LOSS
OF INCOME due to reduction in work hours for any number of reasons
(business decline, illness, poor performance, personal life
interference, legal problems, domestic problems... and more).
Regardless
of what has happened, you MUST be proactive, not only to protect your
name and reputation, but also to honor your promises and obligations.
Most
of the time, bad things have a way of letting us know that particular
time or thing is near... Exceptions: Unexpected and serious illness or
death.
Relationships, job performance, company business (to support
the need for your employment), domestic issues... just about all of
those situations would come "at no surprise".
People don't plan to
fail. They fail to plan.
Regardless
of the situation, saying nothing is the ABSOLUTE WORSE THING
to do if your world is unraveling. Don't let ANYTHING be a "surprise"
for the LESSOR (VFMR).
IF
you know something is "coming" and will "likely" affect your ability to
honor the Lease terms, DO NOT let your actions (contrary to the written
Lease) come as a surprise to the Rental Office (LESSOR).
Sometimes,
LESSOR and TENANT can find a way to bridge a bad time/event, if there
is reason to believe the situation will get corrected.
Failure
to give LESSOR full, complete (and if you saw it coming) advance
knowledge, you will place yourself and your loved-ones in a very bad
position.
IF
you are affected by any negative events, IT IS VERY IMPORTANT you
IMMEDIATELY provide LESSOR with "proof" of the situation.
Just saying it does not make it so, RIGHT?
Letters
from Income sources (your Employer, any fund such as SS Disability, SSI
payments ending due to child becoming 18-years old, something that will
interfer with your ability to take care of your housing... ANYTHING...
requires written/verifiable proof.
You cannot just "say so".
In
representing the Property Owner/Landlord, VFMR is "charged" with
enforcing the agreed Lease terms, including, but not limited to the
collection of the rent and any other sums due under the Lease and/or
the your reasonable care and use (which includes all
necessary utilties for safe and proper living).
CHOICES. There are three (3) things which EVERYONE can agree and fully
understand.
As a human being, we must have:
- FOOD. Without food, you starve.
- FUEL. When it is cold, you have to have heat or
you may become sick or even die.
- SHELTER. Without shelter, you are homeless.
These
three (3) things are the very basic essentials for each of us. With
children, we never want them to go hungry, to be cold or have no place
to call "home".
As adults, we can tolerate a lot. But, it is NEVER
fair, proper or ethical to put our family or others (to whom we make
promises) in a poor position.
We do what we must... a car is none of
the three basic needs... new clothes or fashion is none of the three
basic needs... personal habits such as tobacco, alcohol or legal
gambling are of more importance.
In the written LEASE, the LESSOR will enforce those terms by legal
means. This is never free and the costs are high...
- Just
a small Late Fee and legal Complaint fees represent between 50 and 60
gallons of milk... It is sometimes more meaningful to use loss of
things for our family than to just say, "...could cost you $166". So,
what is this amount of money worth to your family and yourself?
- A
Judgment of Record for failing to honor the Lease (if not satisfied
before reporting) is extremely damaging to your credit history. You can
run, but you cannot hide... derrogatory history.
- Failed
Promises are like alcoholism... Enough said. Each time you fail to
deliver on a promise, you are taking pieces of your integrity and
destroying it.
From this LESSOR's position, this type of thing does not happen very
often (Thank Goodness!).
REMEMBER... People don't plan to fail.
They fail to plan!
What's your
best insurance against calamity?
Advance Preparation
+
Renter's Insurance
So,
what is your plan? Does your family and you have a plan? If separated,
where do you meet up? Hey, the cell service may be broken. The weather
outside is not kind and maybe even dangerous.
Something happens to your home and you cannot stay indoors.
What do you do?
Well,
hopefully you have a plan.
Regardless of issue... house fire, broken pipes causing interior
flooding, etc...
First
and Foremost. Protect your person and that of your family. You can
replace and restore "things". But, your person and that of your family
might not be repairable and is certainly not replacable.
Secondly. Protect your personal possessions to the best of your ability.
ALWAYS
ASK THIS QUESTION: " Is it
safe?" Is the location and situation secure enough to
avoid any personal injury or death?
If so, proceed a quickly and safely as possible to secure and protect
your personal possessions.
Finally, and
not to be ignored, Protect the Leasehold,
your home. You must
act
safely and reasonbly to prevent further damage to the rented residence.
You may not own the "brick, mortar and land", but it is YOUR HOME.
If
you suffer loss of your personal property, you need to document the
loss and call YOUR Renter Insurance Company or YOUR Insurance Agent
(the one who sold you the Policy). The LESSOR/Landlord/Owner/Agent has
NO coverage for your personal loss. This is why you are required (by
Lease terms) to purchase and own your own insurance protection.
Catastrophy
On Large Scale
This is the worst case scenario. Truthfully, nothing in our mortal life
lasts forever. We certainly don't.
If you have selected a link bringing you to this information, hopefully
it is out of curiosity.
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VERNON FOSTER
MANAGEMENT
& RENTALS
L.L.C.
2803 W. Vernon Ave
Suite D
Kinston NC 28504
Office: ( 252 ) 522-2803
Fax: ( 252 ) 558-1530
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