ISD 279 - Osseo Area Schools Community Education

This is a series of educational workshops aimed at empowering homeowners throughout their home insurance, maintenance, claims, and repair process/es. Each of these workshops is designed to be a stand alone module, and as a whole try to represent the insurance policy, maintenance, and claim cycle. You do not need to attend all three classes but it is designed as a before, during, and after series.

• Before: Understanding Your Homeowners Insurance Policy - Purchasing a Homeowner’s insurance policy to protect your home in case of unexpected events typically goes hand in hand with the purchase of a home. What doesn’t always accompany these purchases is an understanding of how your homeowner’s insurance works including what is or isn’t covered, what affects the price of your policy and what will happen if you have an unexpected event leading to a claim. In this workshop, you’ll learn the basics of insurance coverage and leave with some sample policy language (regardless of your carrier), as well as a list of questions to take back to your agent so that you can make more informed decisions that align with your priorities for your home, budget and lifestyle.
• During: Care and Feeding of Your Home Exterior - Owning your own home can be a lot to bite off for many people, and while this hour long workshop certainly only touches the tip of the iceberg, we hope to outline some of the most common areas of wear and tear to the exterior of your home that can prevent (or minimize) larger damage issues that are either excluded or not covered by homeowners insurance. We also will discuss some of the areas (with photos) where we see homeowners think that there has been weather/storm related damage but the damage is actually the result of other issues (maintenance, improper installation, product warranty).
• After: Understanding the Homeowners Insurance Claims Process