How to Help Local Homeless Shelters

Even as many of us enjoy the holiday season, homelessness remains a serious problem in Oklahoma City. People often lose their homes after becoming unemployed or falling ill. Everyone can help these individuals by taking steps to support local homeless shelters:

1. Try volunteering at a nearby shelter. These organizations frequently rely on volunteers to prepare meals, clean rooms and advise residents about housing or employment. Other possible tasks include welcoming visitors to the organization or tutoring children who lack homes.

2. If you have more money than spare time, think about sending a cash contribution. Homeless shelters can’t meet all of their needs with volunteers and donated supplies. In addition to funding repairs to their buildings, they need money to pay heating and cooling bills.

3. Another option is to donate extra goods to a local shelter. For example, you could give food, clothing, books or toys. The needs of different shelters vary, so it makes sense to call ahead before dropping off such items.

4. If you own a business, there may be a number of additional ways you can help the homeless. You could place a cash donation container in the checkout area of your restaurant or shop. The IRS permits substantial tax deductions for companies that donate excess food.

5. Spread the word and remind other people about the importance of helping the homeless. For instance, you could share this blog post with friends, link to a homeless shelter on your website or write a letter about homelessness to a magazine.

Finally, remember to support local businesses. They often directly or indirectly assist nonprofit organizations in Oklahoma City. Consider purchasing insurance from an agent in your community. The helpful staff at FM Insurance has served local residents since 2006.
 

Tips For Buying Flood Insurance In Fort Worth

Buying flood insurance may be a necessity based upon where you live in Fort Worth, Texas. If you are within a Special Flood Hazard Area, you will need to obtain flood insurance within the federal standards, at a minimum.

There are some important tips to help you buy a flood insurance policy that sufficiently protects your home and is affordable.

A flood is defined as a temporary condition and you will want to ensure that the policy covers damage from all possibilities from a flood, including an overflow of water, mudflow, as well as the collapse of land as a result of the flood.

Learn about what your homeowners insurance covers in terms of a flood. Your flood insurance should fill in what your homeowners policy doesn’t cover so you have all the protection needed if you are affected by a flood at any time in Fort Worth.

Take the time to compare policies. There are many companies who are licensed to issue policies in the state of Texas and our independent agents work with many of the top companies. This makes it easier to get quotes, compare them, and see who has not only the most affordable policy, but the best overall coverage.

Find out about what your community has experienced in the past. Especially if you have just moved to the area, it can be important to learn about past floods and claims made on insurance policies. An insurance agent can help you with this so that it does not fall entirely on you to do.

The more information you have, the easier it will be to make an educated decision on the best policy for your home.

Contact one of our independent agents at FM Insurance to learn more about flood insurance. We can answer questions, search for quotes from multiple insurance companies, and much more.