Betty Hatcher, a resident at The Fountains at Canterbury in Oklahoma City, earned an honorable mention spot in a national art calendar competition hosted by Watermark Retirement Communities.
The national calendar, created by Watermark Retirement Communities which manages The Fountains of Canterbury, is designed to be a source of inspiration for all those who receive it. Pieces of art submitted for the competition included sculpture, needlepoint, oil and watercolor paintings and mixed-media work. The Expressions art calendar is distributed nationwide and celebrates active aging and the arts.
Hatcher’s cross-stitching was selected as one of 24 honorable mentions for the 2017 Watermark Expressions art calendar out of entries from 39 Watermark communities across the United States.
Hatcher began learning needlework from her mother at a young age. She went on to use her skills as a member of the Oklahoma City Embroiderers Guild for more than 20 years. Her favorite thing about cross-stitching is the multitude of colors and watching a piece transform into artwork. Today, Hatcher is 98-years-old and continues her love of cross-stitching by creating knitted caps for adults and babies as well as baby blankets.
“The Fountains at Canterbury is home to many talented individuals who thrive each day through continuing their life’s passions and discovering new ones,” said Becky Strong, director of community life at The Fountains at Canterbury. “Betty is an incredible artist and we are proud to see her receive national recognition for her talent and hard work.”
The piece was first judged as part of a local competition among residents at The Fountains at Canterbury. Three local experts narrowed down the pieces and sent the five best on to the national competition. Final selections to be featured in the calendar were made at the Watermark Retirement Communities’ national resource center in Tucson, Arizona.
The calendar is available to the public at no charge while supplies last. If you would like a calendar, please call (405) 381-8165.
The Fountains at Canterbury is dedicated to being the first choice in senior living, providing a continuum of care including independent living, assisted living, memory care, innovative rehabilitation therapies and skilled care. The Fountains at Canterbury is managed by Watermark Retirement Communities and is committed to creating an extraordinary community where people thrive. To learn more, please call (405) 381-8165 or go online to www.watermarkcommunities.com.

story and photos provided

This holiday season, Susan Abrahamsen says she is especially grateful. In addition to having a loving family and a successful 30-year career in health care, Abrahamsen is a breast cancer survivor.
“It was surreal,” said Abrahamsen of her diagnosis. “All of a sudden, everything changes.”
Abrahamsen learned she had stage two breast cancer. in February. By March, she began weekly rounds of chemotherapy.
“In the beginning, it was easy to keep my illness hidden from my patients,” said Abrahamsen. “I just poured myself into my work, but as I started losing more hair, my patients could tell something was going on.”
For nearly the last two years, Abrahamsen has worked as an advanced practice registered nurse and certified nurse practitioner in the telemedicine program at Mercy Hospital El Reno. She takes care of patients in the hospital, while helping to relay important information about her patients to physicians in Oklahoma City using a television screen with two-way audio and video technology. She often works with Dr. Daniel Pascucci.
“I just remember her being very shaken when she told me she had been diagnosed with cancer,” said Dr. Pascucci. Despite the diagnosis, he said it was hard to keep her away from work. “Her first priority has always been our patients, and even as she was going through a health scare of her own, she did whatever she could to continue taking care of them.”
Dr. Pascucci said Abrahamsen’s outlook on her illness and recovery is now inspiring his own practice in medicine.
“It is humbling to be able to see somebody live out the Mercy mission of bringing to life the healing ministry of Jesus in such a selfless way,” he said. “To see her faith in the Lord guide her through that and give her peace while she continued to care for patients has been very eye-opening.”
Following surgery and now daily radiation treatments, Abrahamsen hasn’t been able to work since September, but she still believes that she has been “very blessed” throughout this journey.
“It is a different feeling being on the other side of care, but it’s helped me connect on a much deeper level with my patients, and I understand better what they are feeling,” she said. “When my patient’s started realizing my diagnosis, they would often offer support and encouragement, even when I was the one taking care of them. There are good people in El Reno.”
Abrahamsen will finish her final round of radiation two days after Christmas. She plans to return to work at Mercy Hospital El Reno by New Year’s Day.

Several members of the Edmond Senior Center’s “Tap For Fun” class kicked off this year’s holiday season with their 10th Annual Holiday Tap Dance Performance, held at the senior center on December 14, 2016.
The fun-loving senior tappers performed six very lively tap dances and – by popular demand from their delighted audience – an encore tap dance to “Let It Snow”.
Men and women, ages 55+, are welcome to participate in the “Tap For Fun” class. For more information about the class, call the Edmond Senior Center, 216-7600.

Dear Savvy Senior, What types of discounts are available to baby boomers, at what age do they kick in, and what’s the best way to go about finding them? Almost 50

Dear Almost,
One of the great perks of growing older in America is the many discounts that are available to boomers and seniors.
There are literally thousands of discounts on a wide variety of products and services including restaurants, grocery stores, travel and lodging, entertainment, retail and apparel, health and beauty, automotive services and much more. These discounts – typically ranging between 5 and 25 percent off – can add up to save you hundreds of dollars each year.
So, if you don’t mind admitting your age, here are some tips and tools to help you find the discounts you may be eligible for.
Always Ask
The first thing to know is that most businesses don’t advertise them, but many give senior discounts just for the asking, so don’t be shy.
You also need to know that while some discounts are available as soon as you turn 50, many others may not kick in until you turn 55, 60, 62 or 65.
Search Online
Because senior discounts frequently change and can vary depending on where you live and the time of the year, the Internet is the easiest way to help you locate them.
To do a search, start by visiting SeniorDiscounts.com, which lists thousands of discounts that you can search for by city and state, and by the category you’re interested in, for free.
You can also look for discounts at TheSeniorList.com, which provides a large list of national and regional business chains that offer them, or you can Google them individually. Just go to Google.com and type in the business or organization you’re curious about, followed by “senior discount” or “senior discount tickets.”
If you use a smartphone, another tool is the Sciddy app (see Sciddy.com) that lets you search for senior discounts and can send you alerts when you’re at an establishment that offers them.
Join a Club
Another good avenue to senior discounts is through membership organizations like AARP, which offers its 50 and older members a wide variety of discounts through affiliate businesses (see AARPdiscounts.com).
If, however, you’re not the AARP type, there are other alternative organizations you can join that also provide discounts such as The Seniors Coalition or the American Seniors Association. Or, for federal workers, there’s the National Active and Retired Federal Employees Association.
Types of Discounts
Here’s an abbreviated rundown of some of the different types of discounts you can expect to find.
Restaurants: Senior discounts are common at restaurants and fast food establishments – like Burger King, Chick-fil-A, Subway, Wendy’s, Applebee’s and Golden Corral – ranging from free/discounted drinks, to discounts off your total order.
Retailers: Many thrift stores like Goodwill, and certain retailers like Banana Republic, Kohl’s, Michaels and Ross stores offer a break to seniors on certain days of the week.
Supermarkets: Many locally owned grocery stores offer senior discount programs, as do some chains like Albertsons, Kroger, Publix and Fry’s Supermarkets, which offer some discounts on certain days of the week but they vary by location.
Travel: Southwest Airlines provide the best senior fares in the U.S. to passengers 65 and older, while Amtrak offers a 15 percent discount and Greyhound offers 5 percent off to travelers over 62. Most car rental companies provide discounts to customers who belong to organizations like AARP. Royal Caribbean, Celebrity and Carnival cruise lines offer discount rates to cruisers 55 and over. And, most hotels offer senior discounts, usually ranging from 10 to 30 percent.
Entertainment: Most movie theaters, museums, golf courses, ski slopes and other public entertainment venues provide reduced admission to seniors over 60 or 65. And the National Park Service offers a lifetime pass for those 62 and up for $10 (see nps.gov/findapark/passes.htm).
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

by Jason Chandler
Staff Writer

Most of the people don’t ask to be sick or plan a hospital admission. But when there is a health crisis, they find help at OU Medical Center Oklahoma City.
Dedicated nurses serving in the cardiac program, or Cardiovascular Institute at OU Medical Center are part of a continuum of care navigating the hospitals with opportunities.
“Our nurses have the opportunity every day to work in CVT and still have mobility in different areas,” said Scott Coppenbarger, hospital spokesman.
This continuum of care is a high priority for the patients’ experience as nurses are specialized in certain areas.
Examples include the Cardiac Intensive Care Unit, step down, in house telemetry, cardiac floor, cardiac rehab, cardiac trauma, cardiac service line management, ability to impact STEMI times and outcomes, cath lab, adult congenital program, thoracic program, perioperative services, and the heart, lung and valve clinic.
Corinna Reed, RN, has been a nurse for 21 years. She works in the cath lab where diagnostic and interventional procedures are performed.
“For blockages in the heart, we stop heart attacks. We put pacemakers in and help eliminate blood clots,” Reed said. “There’s so many procedures we do. It’s becoming more and more encompassing.”
She said some procedures have been transferred from surgery to the cath lab setting where it is less evasive. Patients can be in and out of the cath lab in an afternoon versus surgery where they may stay overnight. So comprehensive care is becoming much easier for patients and families, Reed explained.
All of the cath lab nurses are critical care nurses. Reed has always circled back to focusing on the heart.
“I like to see people walk out of here,” Reed said. “One of my biggest rewards when I recovered open hearts was getting to take the ventilator off, and then the next day walking them down the hall to the cardiac nursing floor.”
A few days later, Reed would watch her patients wave goodbye as they were wheeled out of the hospital.
During Shawn Penington’s nine years at OU Medical Center he has worked in intensive care and cardiac intensive care units. The RN currently serves patients in the cath lab. OU Medical Center has been good to him by providing vital experience.
Patients who have had open heart surgeries will sometimes come to the cath lab for stents. The RN is familiar with all the medications they take.
“Some of those people come in. They are not scared. Some of them have a lot of anxiety,” he said. “So I like to identify with those kind of people.”
Understanding their emotions by acknowledging they are scared helps to ease their mind.
“Usually I tell them I would be scared, too, ‘if I was where you’re at,’” Penington said. “Even though I know there’s good outcomes of what we do and nothing’s going to go wrong I would still be afraid myself. That’s usually where I can meet them on level ground to help calm their fear.”
Nurses are attracted to cardiovascular ICU care because of the complexity of the work, said Bertha Nunez, RN, nurse manager for cardiovascular intensive care. It’s the hard work, she added.
“The critical thinking aspect, the busyness, because if your heart’s not working right then other things won’t work right either,” Nunez said. “And you have to have the anatomy, physiology knowledge behind it. Know your medications and how it impacts one organ and the rest of the body as well.”
Some nurses have been in different roles with OU Medical Center for more than 20 years, she said. There are also younger nurses the hospital works hard to keep on staff.
Nunez commends the nursing staff for their dedication, she said. They take the extra effort to help patients feel better, she said.
They also incorporate the family and feel gratified that for the 12 hours of work, they made a difference in a patient’s condition.
“That’s what attracted me to nursing was the ability to help somebody who may be anxious like Shawn said, or somebody that doesn’t know what’s going on and taking the time to explain,” Nunez said.
Teamwork and support through all aspects of the organization makes OU Medical Center’s stellar reputation thrive.
Ashley Milam, RN, works in the cardiothoracic ICU. She aids in heart recovery after open heart surgery and other dealings with the lungs and esophagus.
“We get them after surgery. They see us after the procedure is done and throughout their stay in the recovery process,” Nunez said.
Patients going to the hospital are trusting their lives with someone else.
“I admire their fight and their drive,” she continued. “And how they can be in an area that is very scary and they remain calm a lot of times. I admire they put so much trust in us.”
The staff remains updated with the flow of state-of-the-art technology be means of a computer system, said Chandra Ross, RN, manager of the cardiovascular progressive care floor unit.
“To update we use evidence based practice articles,” Ross said. We have a couple nurses that do that often, pull that up for us and spread it through the units.”
Information is shared during huddles and weekly updates.
“I was always drawn to the seriousness of different heart diseases,” Ross said. “I’ve loved every aspect of it from the floor nurse, supervisor and now the manager,” she said.
Nurses stick with cardiac nursing because of its energy and complexity of different procedures, Ross said.
“They get to see a whole variety of things because how the heart impacts stroke, vascularization and different things. They love new challenges,” Ross said.

LeadingAge Oklahoma Executive Director Mary Brinkley recently announced that 45 nursing homes throughout the state have received national certification in the MUSIC & MEMORY program and will take part in this new program that uses personalized music to assist residents with Alzheimer’s disease or related dementias.
In an effort to improve the quality of life for people suffering from dementia, a personalized music program is now available to 2,000 nursing home residents in 100 skilled nursing homes in Oklahoma. The two and half year project will use iPods to re-introduce nursing home residents to their favorite, personalized music to improve their day-to-day life and assist in reducing medication usage. Phase 2 of the program will begin next Spring for the remaining 55 nursing homes. The LeadingAge Oklahoma Music for the Ages initiative is part of the national MUSIC AND MEMORY program developed to train nursing home staff to create personalized music. The grant through the Centers for Medicare and Medicaid Services and the Oklahoma State Department of Health will enable residents to listen to their favorite music and be able to recall memories that haven’t been lost to their disease. This has an uplifting affect that improves their spirits, and allows them to be responsive, cooperative, and engaged with family, friends, staff and other community members. “Increasing a person’s ability to positively interact with others through the power of music is really priceless,” said Brinkley. “We’re pulling from their past – music that made them feel happy or made them joyful and triggers good memories.” “The music has a connection to the emotion system. It’s sort of a back door to the mind, and that’s why people come alive.” Program Director, Denise Clemonds said, “LeadingAge Oklahoma will host monthly support sessions for nursing homes to discuss successes, solve challenges and receive additional training.” Nursing homes will receive start up equipment, certification and also participate in a research study to measure the effectiveness of the program. The results of the study will be used for future planning. “We are gratified that so many of the nursing homes across the state will participate in what we believe is a landmark program in the treatment of people with dementia”, said Brinkley.
“Music has long been known as a powerful tool for stimulating memory, and this new program in Oklahoma nursing homes is harnessing that power to improve the lives of residents with advanced dementia,” said Brinkley. “Our brains are hard-wired to connect music with long-term memory. People with dementia, Parkinson’s disease and other diseases that damage brain chemistry can reconnect to the world and gain improved quality of life from listening to personal music favorites.” MUSIC & MEMORY founder Dan Cohen used thorough neuroscience research to create the program which has been shown to enhance the lives of residents with Alzheimer’s disease or other dementias by: „* Reducing the reliance on anti-psychotic and anti-anxiety medication „* Reducing agitation and “sun-downing” „* Enhancing engagement and socialization, in turn fostering a calmer social environment * Increasing pleasure to persons with dementia „* Increasing cooperation and attention of patients „* Boosting staff morale by reducing resident resistance to care „* Increasing fulfilling engagements among the residents, staff, family, friends, and their community.
“LeadingAge Oklahoma is the first long-term care provider association in the country to develop its own program based on Cohen’s program,” said Brinkley.
LeadingAge Oklahoma plans to expand Music for the Ages initiative this spring to include a total of 100 nursing homes in the project.
For additional information about the Music for the Ages, go to: LeadingAge Oklahoma For the list of Oklahoma nursing homes participating in the program, go to: http://leadingageok.org/music-for-the-ages

Recently Released Results Indicate the HeartMate 3 LVAS is a Promising New Tool for Patients Suffering from Advanced Heart Failure

St. Jude Medical Inc., a global medical device company, recently announced results of the MOMENTUM 3 U.S. IDE Clinical Study, comparing the HeartMate 3™ LVAS (Left Ventricular Assist System) to the HeartMate II™ LVAS in treating advanced stage heart failure.
The Advanced Cardiac Care program at INTEGRIS Baptist Medical Center is a proud participant in the study. In fact, INTEGRIS was the very first facility in the United States to implant this new technology in 2015. Currently, INTEGRIS remains a leading implanter of the HeartMate 3 LVAS in the country.
The HeartMate 3 LVAS is a small, implantable mechanical circulatory support device for advanced heart failure patients who are awaiting transplantation or are not candidates for heart transplantation. The HeartMate 3 LVAS restores blood flow with full MagLev™ technology, which allows the device’s rotor to be “suspended” by magnetic forces. This design aims to reduce trauma to blood passing through the pump, thereby minimizing complications and improving outcomes for patients.
“The early results of the MOMENTUM 3 are encouraging. This trial is the single most important study in the world of heart pumps at this time,” said James Long, M.D., Ph.D., cardiovascular surgeon and director of the INTEGRIS Advanced Cardiac Care program. “It has been the fastest enrolling trial in this field, indicating the importance of this therapy and the ever-increasing need for new generation heart pumps to treat people with end-stage heart failure when there are no other options.”
The MOMENTUM 3 U.S. IDE Clinical Study is the largest LVAD trial in the world following more than 1,000 patients for a period of up to two years. The data just released to the public shows the six-month results of the first 294 patients enrolled. The patients receiving the HeartMate 3 LVAS had an 86.2 percent survival rate with freedom from disabling stroke and reoperation to repair or replace the device.
“The Heartmate 3 LVAS represents the continued advancement in therapy options available for patients living with debilitating heart failure,” said Doug Horstmanshof, M.D., heart failure cardiologist and co-director of the INTEGRIS Advanced Cardiac Care program. “INTEGRIS, working with a network of partners, is the only center in our state and surrounding regions with the ability to offer this exciting new option on an ongoing investigational basis.”
INTEGRIS holds a leadership role in the MOMENTUM trial, with such centers as Columbia Presbyterian Hospital, the Duke Heart Center, the University of Michigan and Barnes Jewish Hospital. Drs. Long and Horstmanshof joined in the authorship of a current article on the study in The New England Journal of Medicine.

The Fountains at Canterbury’s Watermark University spring semester will commence in January, providing free continued learning classes for area seniors. Nearly 30 courses are available to the public with topics including “Geology in Oklahoma,” “Creative Writing,” “Stitches in Time” and “Great Decisions Discussion!”
“Research shows that continued learning supports cognitive function and well-being,” said Scott Steinmetz, executive director of The Fountains at Canterbury. “Watermark University facilitates educational opportunities for our residents and local seniors, fueling their current interests and sparking new ones across a variety of subject areas and topics.”
“Geology in Oklahoma” will explore Oklahoma’s physical structure and the dynamics of geological formations. “Creative Writing” is for writers of all levels and will focus on sharing and discussion to foster improved techniques. “Stiches in Time” is a hands-on needlework class exploring simple crochet and knitting stiches. “Great Decisions Discussion” will review the newest Foreign Policy Association DVDs, followed by in-depth discussions.
Other course topics include health and tai chi, crafting, history, religious studies, culinary arts and wine, games, reading and music. The spring semester continues through April. All classes are taught by The Fountains at Canterbury associates, volunteers and residents.
Most classes are free of charge and open to the general public. All interested seniors who would like a full course catalog or are interested in signing up, call (405) 381-8165. Class space is limited, so course reservations are encouraged.
The Fountains at Canterbury is dedicated to being the first choice in senior living, providing a continuum of care including independent living, assisted living, memory care, innovative rehabilitation therapies and skilled care. The Fountains at Canterbury is managed by Watermark Retirement Communities and is committed to creating an extraordinary community where people thrive. To learn more, please call (405) 381-8165 or go online to www.watermarkcommunities.com.

by Bobby Anderson, Staff Writer

It was the mid-1970s and Oklahoma State Students Bob Busby and Brent McMurry found themselves in need of a job.
As luck would have it, the geology major and sociology major wound up in the same Stillwater classroom.
Little did they know they would be working side-by-side helping building what would become a cult following in Stillwater and eventually all of Oklahoma in Hideaway Pizza.
“It feels like the guests take ownership in Hideaway, like they’ve worked there before, or like they’ve owned part of it when they’re introducing it to people,” said Busby, now Hideaway senior vice president. “They feel like it’s part of their own experience or their own story.”
Both are former owners (along with Gary Gabrel) of the Hideaway Pizza expansion restaurants that started on Cherry Street in Tulsa. Brett Murphy and Darren Lister are the current owners.
Busby now serves as the senior vice president while McMurry is the district manager for South Tulsa.
BACK IN THE DAY
Richard Dermer and his wife, Marti, bought the business back in 1957.
In the 60’s and 70’s, with happy customers filling the 12 tables in the tiny restaurant, Richard and Marti had a fleet of VW delivery Bugs racing over the streets of Stillwater.
Originally decorated with the Hideaway pizza man logo (Big Kahuna), they evolved into colorful, eclectic designs with zebra stripes, polka dots, flowers and ladybugs, and became synonymous with Hideaway Pizza.
The way to work at the original Hideaway Pizza early on was word of mouth. You had to be a friend of a friend or know someone who had worked there.
“My first shift was nine in the evening to two in the morning driving a Volkswagen,” Busby said. “I didn’t even know how to drive a standard. First thing I did was ask for someone to show me how to do this because I’ve got a load of pizzas.”
Pizza was delivered on campus through the via one of the largest fleets of Volkswagen Beetles in the U.S. Creatively painted by the employees, the VW bugs became an iconic symbol for the company along with vintage kites (Dermer was President of the American Kitefliers Association), collage art and the board game Pente.
In 1993, Dermer allowed the trio of trusted employees including Busby, McMurry and Gabrel (Pente creator) to form a development company to expand the concept into new markets outside of Stillwater while the Dermer family retains ownership of the flagship location.
The first Hideaway Pizza expansion restaurant opened in downtown Tulsa, Oklahoma’s Cherry Street District.
“It was just from the get-go lines out the door,” McMurry said.
Hideaway Pizza had successfully grown its footprint to include six restaurants in the Tulsa and Oklahoma City metro areas when Lister and Murphy purchased the company in Feb. 2006.
Under their leadership, the company has grown into one of America’s favorite pizza companies, employing approximately 1,000 in two states.
The newest restaurant location (#17) opened on Oct. 10, 2016 at 5103 Warden Rd. in North Little Rock, Arkansas. It was the first Hideaway Pizza to open outside of Oklahoma.
Hideaway Pizza plans to open its next restaurant in 2017 in Conway, Arkansas.
RISING SUCCESS
There are approximately 61,269 pizzerias in the United States and Hideaway Pizza was ranked No. 66 in Pizza Today magazine’s 2016 ranking of the nation’s most successful pizza companies.
That’s a six-spot jump from 2015. Two other Oklahoma-based pizza companies were included in the 2016 report. Tulsa-based Mazzio’s Italian Eatery was ranked No. 29 (No. 27 in 2015) and Simple Simon’s Pizza, headquartered in Glenpool was ranked No. 49 (No. 45 in 2015).
It’s still fun for McMurry and Busby, who admit they still regularly eat the pizza.
Both agree it’s never been about how many stores Hideaway has but the quality of the people and product inside of each.
They enjoy pouring into the staff as much as pouring into customers. The mantra has always been happy employees equal happy customers.
Maybe that’s why Hideaway has become an Oklahoma favorite. It’s not just a place to stop and pick up a pizza – although Busby admits the takeaway business is phenomenal – Hideaway is a place where friends and family come for an evening meal.
“Pizza is such a social food because you share it. You can feed a lot of people from one thing. It’s a unique niche of the restaurant business we’ve got here,” Busby says.
And you’ll still see both of them back in the kitchen making sure Hideaway Pizza stays an Oklahoma tradition.

With a new year comes a time for reflection and a time to look to the future. This should hold true with your insurance coverage. While your insurance policy for your home or apartment should provide a sense of security; the new year is a great opportunity to make sure that your sense of security is well founded.
According to a survey by the National Association of Insurance Commissioners (NAIC), more than half of Americans don’t have a list of their possessions. Without an accurate inventory, you may not have the right home or rental insurance coverage. The things you own change constantly – new TV here, new bedroom furniture there – so you need to update your home inventory every year. Without an accurate inventory, you may forget to claim items lost in a fire, tornado or other covered peril.
There are many ways to create a home inventory. You can create a paper copy and write things down room-by-room. We’ve created this file to help you do it. Additionally, you can use a free home inventory app to capture images, descriptions, bar codes and serial numbers of your possessions. Be sure to share the inventory with your agent or insurer. Periodically update the list as you acquire new things.
Do you understand your policy? A standard homeowner or rental insurance policy contains four parts: *declarations page *the insuring agreement *exclusions section *general conditions
A standard homeowners or renters policy generally provides coverage for either the actual cash value or replacement value of your property. After a loss, you will always have to pay your deductible as outlined in your policy.
Rental insurance is different from homeowners insurance in that rental policies only insure the contents of the home, not the structure. Policies vary from company to company, so be sure you read — and understand — yours.
Am I covered if someone breaks in and steals my stuff?
Most standard homeowners and renters insurance policies cover items that have been stolen (up to your policy limits). Be aware that certain categories like jewelry, antiques, art, firearms and other items often have relatively small limits unless you purchase additional coverage.
What if there’s a fire? A typical policy will issue payment to replace or repair anything inside the home damaged by flames, smoke, soot and ash. While losses from fire and lightning are usually covered, don’t be surprised if your insurance company asks for an inventory. The company is only required to pay for personal property you can prove you owned at the time of loss.
My home flooded, now what? Homeowners and renters policies do not offer protection against flood losses. Flood insurance is available through the National Flood Insurance Program (NFIP). If you live in a city or county that does not participate in the NFIP, you can also find flood insurance through the surplus lines market. Your insurance agent can find those policies.
What about natural disasters like earthquakes and tornadoes?
Damage caused by earthquakes is not covered in a standard homeowners or renters policy. If you want earthquake coverage, you can either add it for an extra premium or, if your insurance company doesn’t offer the coverage, you can purchase a separate earthquake policy. Be sure to understand the coverage and deductibles before buying the policy. Some policies exclude masonry damage but all earthquake coverage carries a deductible equal to 5-20 percent of your home’s value.
What else isn’t typically covered? Hazards that are not usually covered include: war, nuclear accident, landslide, mudslide, sinkhole, pollution and acts of terrorism. Read your policy and speak with your agent or insurer for a complete list of excluded perils.
If you don’t understand parts of your policy, ask your agent, your attorney or your insurance company for assistance.
For more insurance information, contact the Oklahoma Insurance Department at 1-800-522-0071 or visit our website at www.oid.ok.gov.