Site Specific Fall Protection Plan: Fill & Download for Free

It is Site specific. Every construction site should have an OSHA plan on sitecheck with the job superintendent

Most homeowners understand the importance of the operation of essential home systems and appliances. But for many, when this equipment breaks down, money may not be in the budget to make a quick repair. Fortunately, a home protection plan can be obtained to lessen the financial responsibility when appliances break down.Typically, home warranty companies offer varying levels of protection regarding which appliances in a home are covered. Of course, the higher-tiered plans will cost more. Still, other than the required fees that are expected, homeowners are better protected from unforeseen expenses. In addition to a contract premium, interested customers must understand additional costs associated with home warranty plans.Our team of dedicated researchers will share the ins and outs of home warranty companies, so you can make an informed decision before buying coverage. In this article, we provide an unbiased overview of what you should expect when acquiring home protection. It's common for these policies to be introduced during a real estate transaction, but for current homeowners, the benefits are just as valuable.When you're ready to commit to a home warranty service contract, we recommend American Home Shield as the best overall provider. The company's dedication to exceptional customer service, affordable pricing, and comprehensive coverage makes it stand out from other home warranty companies.What Is A Home Protection Plan?A home protection plan, or home warranty, is typically purchased as a one-year service contract that covers the costs of repair or replacements for home systems and appliances. Policyholders are granted peace of mind that problems caused by wear and tear are repaired swiftly, and without disrupting their budget.During a real estate transaction, a service contract is commonly offered as an incentive for a buyer. It ensures that someone who is buying a home receives financial assistance when an appliance breaks down. Home warranty plans are an efficient companion for households with aging home systems and appliances, especially when you're unsure about their maintenance history.Home warranty plans are also efficient in keeping homeowners safe by avoiding DIY repairs. Attempting to perform repairs on things like an electrical system or appliance may result in dangerous consequences like home fires or irreversible damage to the equipment. With home warranty protection, policyholders benefit from hiring affordable and qualified technicians to service their home systems and appliances with expertise.What Do Home Protection Plans Cover?Home warranties cover components that are necessary to the optimal performance of the equipment included in a service contract. While policies will vary based on the provider, generally, an agreement ensures the operation of multiple machines found in most homes.Typically, these appliances and systems are covered in most home warranty plans.Heating and air unitsRefrigeratorsWater heatersPlumbing systemsElectrical systemsPermanently installed dishwasher and microwaveDuctwork and exhaust fansOven, range, and stoveWasher and dryerGarbage disposalPlumbing stoppagesThe structure of home services warranty plans can differentiate between providers. For instance, Choice Home Warranty offers comprehensive coverage for the entire home in its Total plan. On the other hand, the company American Home Shield separates its packages into Systems and Appliances, but bundles them both into a combo plan.Home warranty companies also offer more customization by allowing policyholders to buy coverage for optional add-ons to their contracts. Typical options included in this type of warranty include:Swimming pool equipmentSpa and hot tubsSump pumpFreestanding ice makerAdditional refrigeration unitsRoof leak protectionPurchasing special protection under a home services add-on plan will increase your annual premium. But, if you own home systems and appliances that are considered optional, contemplate if your budget can withstand an expensive breakdown.Can a Home Protection Plan Replace Homeowners Insurance?No, a home protection plan policy differs from homeowners insurance, which is necessary to protect the property and personal belongings from incidents including fire, theft, and storm damage.Situation: A fallen tree caused extensive damage to your primary dwelling. (Not covered by a Home Protection Plan v. covered by Homeowners Insurance)Situation: The compressor or heat pump failed within a heating or air conditioning system. (Covered by a Home Protection Plan v. not covered by Homeowners Insurance)Situation: Lightning caused a power surge that damaged an appliance or home system beyond repair. (Not covered by a Home Protection Plan v. covered by Homeowners Insurance)Situation: Mechanical failures have caused a refrigerator to cool inefficiently. (Covered by a Home Protection Plan v. not covered by Homeowners Insurance)While home warranty plans are no replacement for homeowners insurance, each policy serves a specific role that benefits homeowners. Obtaining both types of coverage is an effective strategy to maximize ultimate budget protection.What Do Home Protection Plans Not Cover?Before buying a home protection plan, you should know that not all types of breakdowns are covered. Reputable home warranty companies are transparent about their limitations and eligible repairs. Again, the best way to discover the extent of the protection you are purchasing is to review the company's terms and conditions.Companies like Choice Home Warranty and American Home Shield provide interested consumers with access to a sample contract. We suggest reviewing available documents before investing in a service that may not perform to your expectations.As a general rule, home warranty companies don't cover the expenses of repair or replacement for appliances with pre-existing conditions. In many cases, a provider institutes a 30-day waiting period after a contract is purchased, to protect themselves from fraudulent claims.Cosmetic components are also often excluded. That means replacing parts like drawer rollers, knobs, buttons, and appliance handles are the responsibility of the homeowner.How Much Does a Home Protection Plan Cost?The cost of a home warranty will vary dramatically depending on the company and coverage level you choose. Factors like your location, the selected plan, and service fees are all costs you should consider.What's the Price of a Contract?The most expensive expense required to obtain home warranty plans is the annual premium. Generally, a 12-month home warranty contract cost will range between $300–$600 and covers over $20,000 worth of home systems and appliances. The lower costs are usually considered basic plans, while the more expensive packages offer more comprehensive coverage throughout the home.While some home warranty companies require policyholders to pay for a policy upfront, others allow customers to pay for their contracts in monthly payments, meaning the average would only cost $25–$50.Optional Add-OnsIf you require additional coverage for optional add-ons, you should expect your annual premium to increase. Compare the monthly payment with the coverage caps offered by home warranty companies to ensure you're making a valuable decision.Service FeesAnother charge that's necessary while holding home warranty plans is a company's service fees. Essentially, this expense is the homeowner's responsibility and should be paid to a technician once they arrive on-site to attend to mechanical failures.Throughout the industry, we found the average cost of service fees to fall between $60–$125 per incident, based on quotes we have reviewed. When choosing between home warranty companies, analyze the terms and conditions for the policy regarding re-repairs for the same issue. Many offer a warranty on the parts and labor performed to home systems and appliances.Are Home Protection Plans Worth It?For homeowners on a budget, a home protection plan is an excellent policy to own. Customers can plan for unforeseen breakdowns by investing a portion of their savings to cover service fees and their premium costs.Home warranty plans are also efficient protection in older homes with aging equipment. Make sure your provider doesn't disqualify home systems and appliances based on their age. Use this helpful guide from the International Association of Certified Home Inspectors to determine how much life remains in the equipment you rely on most.To understand the benefits of owning a home protection plan when a vital system breaks down, check out these average repair and replacement costs. When a warranty is in place, your financial responsibility is limited to the service fee required by a provider; typically $75–$125.Heating System: $285 (cost to repair) v. $4,249 (cost to replace)Air conditioner: $347 (cost to repair) v. $5,413 (cost to replace)Electrical system: $317 (cost to repair) v. $1,287 (cost to replace)Water heater: $546 (cost to repair) v. $1,065 (cost to replace)Before agreeing to a contract, you must understand the terms and conditions set forth by home warranty companies. Make sure you are knowledgeable about coverage caps that may limit the amount of financial assistance you receive when an appliance requires repair or replacement.For example, consider your furnace breaks down to the point where replacing the system is necessary. The national average of purchasing a new system is between $2,150–$5,900, with most homeowners paying about $3,100. Next, imagine a home protection plan that offers protection up to $2,000.Rather than paying the full cost of $3,100, you're only required to cover the expenses that exceed the maximum allowed, service fees, and your annual contract. If we use the higher end of industry standards for this equation—$125 service fee, and $50 premium—your financial responsibility is only $1,275 to install a brand-new furnace.It's comprehensive coverage that protects budgets from mechanical failures caused by regular wear and tear. When your home systems and appliances inevitably break down, a home protection plan can provide financial relief.Best Overall Provider: American Home ShieldWe rate American Home Shield as the Best Overall.BEST OVERALLAmerican Home ShieldAHS Home Warranty has proven to hold the top spot according to our research team due to these highly valuable perks as a home warranty provider:Four plan options. Customers can choose between the Appliances, Systems, Combo, or Build Your Own plans.Unique Build-Your-Own Plan: This plan gives you the option of choosing the 10 major systems and appliances you need covered.Choose your service fee. Based on the monthly premium you select, you can adjust the amount you’ll pay at the time of service.Fast service request response: AHS assigns professionals to a customer’s service request within the first 24 hours 98% of the time.Strong reputation:Founded the home warranty industry and is the oldest home warranty company2019 America’s Best Midsize Employers Award by Forbes2014–2015 Women’s Choice Award2014 Home Warranty Awards “Best in Service” AwardBest for Older Homes: Choice Home WarrantyWe rate Choice Home Warranty as Best for Older Homes in the home warranty industry.BEST FOR OLDER HOMESChoice Home WarrantyChoice Home Warranty offers two primary tiers of coverage. The Choice Basic Plan covers multiple major appliances and home systems. The Total Plan covers everything in the Basic plan, plus some additional systems and appliances.One of the biggest selling points for Choice Home Warranty is their simple, down-to-earth pricing for all the home protection you need and more. The quote process is quick and easy to navigate, and you can have a quote within two minutes through their basic online form. Our team got a sample quote directly from Choice Home Warranty for an address in Georgia, zip code 30097, and we received the following:Basic plan: $41.25 (monthly premium), $60-85 (service fee)Total plan: $50 (monthly premium), $60-85 (service fee)Our ConclusionChoosing a home warranty company is a major decision because your peace of mind depends on it. Our research team recommends American Home Shield as Best Overall and Choice Home Warranty as Best for Older Homes. As always, we recommend that you request quotes from multiple providers and read all of the fine print first before making a decision.

Expect? No, I require it.I risked my life everyday in Afghanistan for $2.40 an hour. Sure, add in the extra $150 combat/hazard pay a month and I made $2.60 an hour. (You’re never really “off-work”)We ask people to volunteer to run into burning buildings for free. Thousands of men and women, some practically kids still, across the US rush headlong into literal hellfire without a second thought towards their own safety. Every. Single. Day. Some of them respond to multiple fires in the span of a few hours. They get paid nothing and showed more courage than that deputy.This “man”, this so-called “officer of the law”, was on the force for over 30 years. He wasn’t some clean-shaved kid fresh out of the academy. Not only him, but now it’s being reported that three other “officers” also waited outside by their cars with their pistols drawn. It is their duty to protect and serve. All these cowards did was protect their own (In my eyes) now-worthless lives.In the military we call this an Article 99 “Misbehavior before the enemy”, an extremely serious charge punishable by death. Not only that but they ignored police policy to enter and confront the gunman so you can throw disobeying orders in with that as well. They had numerical superiority. They were trained for a situation like this. They have years of experience. Their opponent was a kid with a gun. At the very least their presence alone inside the building would have either slowed/stopped the shooter from continuing on. They’re supposed to be the “Thin Blue Line” and stop massacres like this in the first place. Instead these four “men” elected for self-preservation.They ignored their oaths. They didn’t do their duty. After the shooting at Columbine in 1999 the “backup” protocol was done away with. Is it smart to enter a building alone and confront an armed assailant? No, it isn’t. The fact remains though that in many mass shootings the perpetrator will commit suicide just before or as the police are about to confront them because they fear capture. This is demonstrable, the V-Tech shooter in 2007 shot himself just as police were breaking through the doors. The Columbine shooters did so after exchanging fire with police. The police become the shooter’s biggest threat and they will orient on them instead of unarmed, unarmored civilians or kill themselves/surrender fairly quickly. If the officers and the shooter fired on one another that means more time for the faculty and children to get out of harm’s way and less dead kids.Not only that but because these “men” refused to fulfill their oaths the shooter walked out of the school with the students, went to a Wal-mart and bought a soda at a f**king Subway. Really?!? This dude just walked out of a mass shooting? That by itself is disgusting to me. This time the shooter didn’t continue his spree off-site but because these “men” refused to even take any meaningful action he could have easily gone to another school, church, movie theater or office building and killed more innocents there.This isn’t about pay. Those volunteer firefighters aren’t rushing into an inferno because they enjoy smoke inhalation and carrying the bodies of burned children. They do it because it’s what is expected of them and because it’s right. These are trained men with years of experience. Four trained men failed to stop an untrained child with a rifle. I wouldn’t defend former-deputy Peterson if he was alone and froze but I would “get it”. Regrettable and the worst situation to freeze in but it happens. I’ve seen experienced men freeze before. But all four? No. They should stand trial for their crimes but they won’t. Personally I hope that they live extremely long lives and every day of their long lives their reprehensible actions weigh on their minds like the world on Atlas’ shoulders, never giving them a moments rest. If that sounds harsh then so be it, all that’s going to happen to them is getting fired so they deserve a just punishment besides unemployment.Edit: Many will say (And I guarantee that those three “officers” will say this as well) that they were formulating a plan of attack to take the shooter down while they were outside.Do not fall for this lie like these officers are going to expect the public at large to do. That’s what it will probably be, a lie. When you’ve been a part of communities like law enforcement/the military you become familiar with an unspoken “code of silence”. Deny it exists all you want, but that’s the honest reality. Those three will get together and “get the story straight” between them. They will undoubtedly say that they were planning their entry and stick to that story like glue. I mean that men will rather take secrets to the grave than betray one another, even at the cost of someone else’s reputation/freedom/justice. You’d have more luck getting a witness statement from a brick wall.The reason that I know that this is almost certainly going to be a lie is because you train over and over and over and over on how to enter a building and engage a shooter. The ideas and tactics behind entering ANY building are the exact same. It could be a one-room shack or a 110-story skyscraper. The concept, training, and implementation doesn’t change.It takes literally seconds to make a plan for entry if you are even relatively competent at your job and have even mediocre training. ANY time that you enter a building or room you have no idea what is going to greet you on the other side of that door. There’s no way to plan for every specific scenario so we learn the concepts and then learn to apply them practically. Besides last second specifics the plan is always the same. It doesn’t take minutes to decide which door to use or what direction to enter from or who is going to be the point man or rear man. They had no reason to wait as long as they did and are almost as responsible as the deputy already on scene.Edit #2: Already the lies begin and they scramble to cover their own asses. https://www.washingtonpost.com/news/post-nation/wp/2018/02/26/broward-deputy-who-didnt-go-inside-school-during-shooting-thought-gunfire-was-outside-acted-appropriately-lawyer-says/?utm_term=.ec45784647e0You thought the gunfire was outside? Give me a break “officer”. Much less a 30 year veteran of the force at that. For one his idea of “acting appropriately” to gunfire was to stand around for four minutes. What he’s also saying is that in four minutes and with 120–200 rounds he couldn’t determine where the gunfire was coming from. Yeah, dude I’m real sure that’s the case. So already he’s so full of shit I can smell it on his breath from North Carolina.He’s banking on the average person being an idiot and believing him because he’s a (now former) cop. He’s also banking on sheer technicalities that would legally protect him, a clear sign that he’s a desperate man.Unless you’re deaf gunfire outside of a structure sounds completely different from gunfire coming from inside a structure, let alone one like a school. Take a moment to think of all the gunfire that this man heard in his thirty year career, at a minimum he’s shot probably 200 rounds a year himself. That’s 6,000 rounds. 6,000 bangs. Factor in all the other shots he’s probably heard and I feel comfortable calling him a liar now, as well as a coward. He’s more of a coward for opting for self-preservation after his deadly mistake and not having the slightest shred of honor and admitting the truth. He wouldn’t have my respect or understanding but at least he’d accept the weight of inaction. But no, a lying coward he is.