American Property Casualty Insurance Association
  • Staff Contact: Nicole Mahrt-Ganley     
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Nicole Mahrt Ganley


916-440-1116 or cell 916-616-5855





October 28, 2014

Do You Know the Five Things Every Homeowner and Renter Should Do As Daylight Saving Time Ends?

PCI Provides a Quick Fall Back Checklist that could Help with Your Finances

CHICAGO – As daylight saving time ends this Sunday and you adjust your clock backwards, the Property Casualty Insurers Association of America (PCI) encourages homeowners, renters, and business owners to remember to take a few more steps to prepare their homes, businesses and finances.  When you fall back, it is also a good time to check and change batteries in the smoke alarms and carbon monoxide detectors, replace furnace filters, prepare your property for winter, and review your insurance policy and other important documents. PCI is offering a quick fall back check list for homeowners, renters, and business owners to review and make sure they are ready for the winter months.

“Old Man Winter can take its toll on property which can make digging through that old file cabinet or sorting through email to find your insurance policy worth the time and effort,” said Christopher Hackett, PCI’s director of personal lines policy. “This is a good time to review your policy, make sure it is up to date and you understand how it works as well as determine the amount of your deductible just in case you end up filing a claim.  It’s also an excellent opportunity to let your agent or company know if you’ve done any remodeling or construction to your home. That way you know if something happens, and end up filing a claim your insurer has the most up to date information.”

 PCI’s Fall Back Checklist

1.)   Change your clocks back one hour Saturday night before going to bed

 2.)   Change batteries in fire alarms and carbon monoxide detectors-make sure they are functioning correctly-if you don’t have one already it’s a good time to invest in a fire extinguisher

3.)   Replace your furnace filters before the winter months. It could possibly lower your bill and prevent possible home fires

4.)   Prepare your home for the winter months-check pipes under sinks to make sure they will get adequate heat and also make sure leaves are out of gutters, and trees trimmed and not hanging over power lines

5.)   Review your policy-now is the time to check to make sure your policy is up to date and you have the right amount of coverage. Double check your policy accurately reflects your home’s square footage.  Talk to your agent to make sure you have an adequate amount of insurance. Ask questions about optional coverage such as water backup and scheduling your valuable personal property items. Keep an inventory of the items you have. It might be a good idea to videotape them for documentation.

PCI promotes and protects the viability of a competitive private insurance market for the benefit of consumers and insurers. PCI is composed of more than 1,000 member companies, representing the broadest cross section of insurers of any national trade association. PCI members write more than $210 billion in annual premium, 39 percent of the nation's property casualty insurance. Member companies write 47 percent of the U.S. automobile insurance market, 33 percent of the homeowners market, 36 percent of the commercial property and liability market, and 39 percent of the private workers compensation market.