Caro Turcios | AllState E-Learning Video Updates

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ALLSTATE.COM E-LEARNING STORYBOARDS

Insurance can be confusing, which is why Allstate has a series of instructional videos to help its customers better understand it. From the basics of an insurance policy to existing coverages, these videos provide the knowledge needed to navigate the world of insurance.

VIDEO 02

DOES HOMEOWNER'S INSURANCE COVER WATER DAMAGE?

Open on an exterior of a house

VO: We understand that owning a house comes with fears of the unknown, because after all water damage is often sudden and accidental.

Cut to the second floor where we see the shower running

VO: So, let’s see how your homeowners insurance may provide you with coverage.

We pan down to reveal water is leaking in the living room below

VO: Your policy would likely help cover the cost of repairing the damages...

VO: ...caused by an upstairs pipe burst that has soaked the ceiling below.

Cut to a washing machine scene.

VO: Or if your washing machine water supply hose fails and ruins your flooring.

We see water leaking on wooden floor

VO: Basically, for these events your policy would help cover your damaged ceiling and flooring.

Washing machine appears with an "X" over it

VO: However, most policies won't cover the source of the damage. Like in these cases, it probably wouldn't pay to repair or replace the plumbing or your washing machine

Pan to a sink leaking

VO: Now what if the damage results from an unresolved maintenance issue, like continuous leaking near a faucet? In that type of situation, homeowners insurance usually won't cover the resulting damage.

Pan to a sewer

VO: And your standard homeowners insurance probably won't cover water backup from an outside sewer or drain either.

Water backup coverage policy appears

VO: But you could add an optional water backup coverage to your policy.

Cut to the house's exterior. We see a thunderstorm

VO: Here's another important thing to keep in
mind:

Zoom out to see the house is flooded

VO: Flood damage is not covered by a standard homeowners policy.

A flood insurance contract appears on screen

VO: However, you might be able to purchase flood insurance through the National Flood Insurance Program.

Cut to the outline of a house showing infographics

VO: Remember, typically your insurance will pay for covered damages that exceed your deductible.

VO: And your insurance will only pay for covered claims up to the limit for each type of coverage. Your limit is the maximum amount your insurance will pay toward a covered claim.

Cut to the exterior of the house at night

VO: VO: Water damage can be expensive—you’ll want coverage to protect you if one happens. That's what homeowner's insurance will do for you

VIDEO 01

WHAT IS HOMEOWNER'S INSURANCE AND WHAT DOES IT COVER?

Open on a house exterior on a sunny day

VO: Owning a home is a big investment and you’re probably wondering…how can I protect it? Well, homeowners insurance helps protect you, your home and your belongings from all sorts of unexpected events.

Camera pans up to reveal supers. Coverage name gets bold one by one as mentioned

VO: And with a standard policy you’ll get four key types of coverage: dwelling, other structures, personal property and liability.

The weather changes, clouds enter the frame covering supers

VO: So how does each one help pay to repair your property?

Zoom in on the rooftop

VO: This can help pay to repair your home’s structure if it’s damaged by a covered event, like hail or a windstorm.

The wind comes and damages the rooftop.

Then we watch as it fixes itself.

We pan to the side to reveal a shed on fire.

VO: For other structures coverage, you can protect detached structures on your property, like a detached garage, fence, gazebo or a shed that is damaged by a fire.

The fire stops after a bit.

We pan back into the left

VO: And personal property coverage can help protect...

Enter the house through a window

VO: what's inside your home...

We see a home office

Computer vanishes when VO mentions electronics and same thing happens with office chair when VO mentions furniture.

like electronics, furniture...

We pan over to the right of the room

Closet door slides open, revealing a coat, shoes and a handbag.

They all vanish when VO mentions clothing

VO: and clothing if they're stolen or damaged from a fire, smoke, or vandalism.

Cut to guest carrying some luggage and about to open a door.

VO: Last up, liability coverage.

We see him falling down the stairs.

At the bottom he holds his head as if he is injured.

VO: This one helps protect you. For instance, if a guest is injured at your home or you accidentally damage another person's property, this can help pay the related expenses if you’re held legally liable.

Cut to outline of the house showing graphics

VO: But keep in mind, you may have to pay the deductible amount that you’ve chosen before your coverage kicks in. One thing to note: If you’ve selected a higher deductible, it’ll help lower your premium and if you’ve selected a lower deductible, it’ll help lower your out-of-pocket cost in case of a claim.

VO: And remember, each coverage type has a limit, which is the maximum amount your insurance will pay towards a claim.

It's now nighttime and we see the moon and stars appear over the house.

VO: When it comes to protecting your home, it's important to understand what your policy covers. Damages can be expensive—you’ll want coverage to protect you if any happen.

VIDEO 03

7 KITCHEN SAFETY TIPS TO CONSIDER

Open on the back of a house

The kitchen is often the heart of a home.

So, let’s protect it by learning how to properly use and organize it.
Here’s seven safety tips to help avoid hazards in your kitchen.

We enter the kitchen through the window.

First, if you've got little ones at home...

We see a baby crawling on the floor, in the direction of the kitchen.

There’s a gate preventing the kid from entering the kitchen.

...use a safety gate to create a kid free zone...

”3 FEET” graphic appears

...of at least three feet around your oven and stove.

Cut to a person cutting food next to the stove.

Second, keep anything that may catch fire...

The person moves the oven mitt out of the stove.

...like dish towels or oven mitts, away from your cooktop.

They leave the frame

Next, you shouldn’t ever leave the kitchen while your food is cooking.

And when removing a lid from a hot pan...

Person comes back, removes lid from pan.

...tilt it away from you to protect your face and hands from steam

Fire comes out of the pan

Now if a grease fire starts, never use water — it'll only make it worse.

Person puts the lid on the pan

Instead, quickly put a lid on the pot or pan.

And it’s important to note:

Camera pans down to show fire extinguisher under the countertop.

...you should always have a fire extinguisher nearby.

That’ll come in handy in this situation and many others

Cut to a smoke detector as smoke rises towards it.

Just like a smoke detector.

We see a hand opening the device

As tempting as it may be to shut it off or remove its batteries…

An “x” appears over the scene

...you shouldn’t tamper with yours when cooking.

The power cord gets unplugged

...make sure to unplug any countertop appliances that you’re not using cause they can cause a fire.

VIDEO 04

HOW ARE TORNADOES RATED?
LEARN ABOUT THE ENHANCED FUJITA SCALE

Open above the clouds

If you live in an area prone to tornadoes, it can be very scary.

Camera pans down to show a tornado

But it’s good to understand their different severities and be prepared for them.

And that’s exactly what the Enhanced Fujita or EF Scale does.

So, let’s go over the scale’s various ratings.

As we zoom back to see a house in the foreground and the tornado in the back

The tornado goes out of frame

And comes back this time in the foreground

Tornado takes up the entire frame

Tornado goes away and we see the house is slightly damaged

At the low end, there’s an EF0 tornado with winds of 65 to 85 miles per hour.
Which could leave a home with minor damage, like small cracks in a chimney or
missing shingles.

Tornado comes back

Tornado takes up the entire frame

Tornado goes away and we see the house is more damaged

While, an EF1 tornado has winds from 86 to 110 miles per hour causing a roof’s edges or corners to be torn off.

Tornado comes back

Tornado takes up the entire frame

Tornado goes away and we see the house even more damaged

Next on the scale is an EF2 tornado, has winds from 111 to 135 miles per hour—strong enough to take an entire roof off.

Tornado comes back

Tornado takes up the entire frame

Tornado goes away and we see the house even more damaged

But there’s even stronger winds at 136 to 165 miles per hour from an EF3. Resulting in levels of a home being blown off and first-floor walls toppling down.