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  Disaster Proofing Publications 
 10 Ways to Disaster Proof  Eng

 10 Ways to Disaster Proof Chn 
 10 Ways to Disaster Proof  Spn

10 Ways to Disaster Proof Krn 
 10 Ways to Disaster Proof Lat

10 Ways to Disaster Proof Rus  
 10 Ways to Disaster Proof Tag

 10 Ways to Disaster Proof Arm

 10 Way to Disaster Proof Wav 

 Disaster Supplies Kit 
 Helpful Resources in Disaster  

 Workplace Disaster Supplies

 24 Hours After Disaster Strikes 



Drought and Heat Publications

 Heat Waves 

 Heat Wave 




            Flood Publications
 Flood Power 

 Flood Smart 

 Inland Flooding 

 Flood Checklist   

 Preventing & Preparing

 What to do in a Home Flood



Homeowner Publications

 6 Ways to Protect a Home 
 Homeowners Guide 

Keeping a Home Safe  
 How to buy Homeowners Ins. 

 Avoiding Carpet Cleaning Scam 

 Flooring Glossary 
 Board Measures

Consumer Alert for Winter 
 Break the Grip of the Rip

 Preventing Water Damage
  Water Damage & Insurance




Miscellaneous Publications

 Insurance Casualty Carriers

 Insurance Property Carriers

 Loss Recovery w/Standards 

 Wet Carpet Removal
 Water Damaged Cars

 Stain Removal





Mold Publications

 All About Mold
Basement Waterproofing

Bleach is Not a Mold Murderer
Damp Basement Basics 

 Drying Out Water Damage

Mold Contamination

 Mold Faq's 

 Mold Removal
 Toxic Effects of Fungus

 Black Mold 

 Protect Your Basement





Publications for Kids  

 Owlie on Winter 
Owlie on Tornados

 Owlie on Floods

 Owlie on Hurricanes 
Owlie on Lightening

Owlie Sky Warning

 Coloring Book 
 Disaster Preparedness Coloring  Disaster Preparedness Clr Spn

Disaster Preparedness Coloring





Storm Publications

Storm Surge mp3 

 Storm Ready
 El Nino

Tsunami Ready
Sport Guide to Lightening  
 Facts About Lightning

 Hurricane Safety
 Against the Wind 

 Avoiding Wind Damage
 Electronic Do's & Don'ts 

 Water Damage Do's & Don'ts
 Water Damage Effects
 Water Damaged Vehicles



How to buy Homeowners Insurance

Step 1:
Look for "replacement cost" homeowner's insurance, if available. Such a policy will help you guard against inflation. Based on depreciation of the property and index of inflation, insurers often assess the amount of replacement cost. However, there are other factors. Some companies set limits on total amount covered instead of total replacement. Ask in detail about such homeowner’s insurance coverage.

Step 2:
Calculate the amount of coverage you need to cover your home and its contents. Don’t consider the value of land when calculating the value of your homeowner's insurance, as it is not covered by your homeowner's policy. Take photographs of your belongings, each room of your home and its exterior and store these in a safe deposit box in case you ever need prove values when using your homeowner's insurance.

Step 3:
Ask your friends, family and business associates about their insurance. Look in the Yellow Pages and contact insurance agents. Request quotes. Go online, visit Web sites of different insurance companies and request quotes. Check consumer guides and read reviews from customers of different insurance companies.

Step 4:
Find out if companies offer any discounts on homeowner’s insurance. The types and extent of discounts vary. Age of the homeowner, people living in the home, employment status and locality can determine the amount and type of discount offered.

Step 5:
Opt for combo homeowner's insurance policies if available. All real property such as cars, boats and computers can be covered under more than one kind of policy. Ask your company if it provides such combinations. Your premium will be lower.

Step 6:
Consider opting for a premium within your budget of monthly disposable income.

Step 7:
Ask about the deductibles under the homeowner’s policy. (Deductibles are the amount you pay toward a loss before your insurance company starts to pay a claim). Typically, the higher your deductible, the more money you can save on your homeowner’s insurance premiums. Amounts of $250 to $300 is the standard deductible.

Step 8:
Offer to pay a higher deductible if it can help you lower your insurance premium.



Sun-Brite Professional Services, Inc.

1654 W. Knudsen Dr.

Phoenix, AZ 85027