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Urge Insurance Before Winter's Check Storms Hundreds of Illinois homeowners learned too late last winter that their in­ surance did not cover-or covered inadequately-the damage done to their houses by those devastating snow storms. It was only after the first signs of water seepage appeared or aftera porch or garage roof collapsed that some homeowners checked out their insurance policies. So this winter before the storms hit us in earnest, the Illinois Insurance In­ formation service urges homeowners to put in­ surance high on that last minute winter checklist, along with heating systems, storm windows, weather stripping and gutters. If your house was damaged by last winter's record snow, you already know whether your in­ surance coverage was adequate. If it wasn't you've probably taken steps that it is. But to those whose houses escaped last winter's fury, the HIS suggests that you ask yourself three questions: l.Does your present policy cover damage to your house caused by the weight of ice, snow or sleet (a collapsed roof, for example)? Go First Class For _New Year's Eve! THERE'S SOMETHING FOR EVERYONE AT CRESCENT BAY LANDING Special New Year's Eve Party BEGINS AT 9 PM *In Our Lounge* From 7 pm to 10 pm Hear and Meet Song Stylist Roberta Benet * And Then In Our Salon * From 10 until? Dance to the Music of the Hit Vegas Act "Chicago Section" Featuring DIANNE MARIE 'OPEN BAR THROUGHOUT * * GALA FAVORS * * AND SONGS BY SASH A* 2.Does it cover damage to your house caused by water seepage resulting from that ice, snow or sleet? 3.If it covers those perils, does it cover them adequately-do you have enough insurance to pay for possible storm damage to your house? To get quick answers to the first two questions, take a look at your policy to see whether it's a Homeowners 1, 2 or 3 or (HO-1, HO-2, HO- 3). Some companies call them Forms 1,2 or 3, or refer to HO-1 as a "basic" policy; HO-2 as a "broad" or "standard" policy and HO-3 as a "special" or "deluxe" policy. And some companies also offer an HO-5 policy which provides additional coverage for personal property. There also is an HO-4 policy which is for renters and an HO-6 for condominium owners. Both of these cover contents only. If you have an HO-3 or an HO-5 policy you are covered for damage to your house caused by the weight of ice, snow, or sleet and also by water seepage resulting from that ice, snow or sleet. But if you have an HO-2 policy, you are covered ONLY for damage caused by the weight of the ice, snow and sleet and not the water seepage. As for the HO-1 policy, it covers neither damage caused by the weight of ice, snow or sleet nor any resulting water seepage. Now to question No. 3-are you adequately covered? Even if your policy covers snow-related damage, it may not provide enough coverage to pay for that damage. The adequacy of that coverage is tied directly to the amount of insurance you have on your house it­ self. If your house is not covered for at least 80 percent of its current replacement cost, you won't get full payment for the damages. Instead, your insurance company will pay you only what the damaged part of the house is worth taking depreciation into account. Thus if your roof collapsed, you'd get only what the roof was actually worth at the time it fell-that is, the replacement cost minus depreciation. Most insurance com­ panies, by the, way, r e c o m m e n d t h a t homeowners insurp their homes for an amount equal to 100 percent of its current replacement cost. And the critial word here is "current." "Many policyholders find they are underinsured simply because they have not increased the amount of their homeowners insurance to keep pace with inflation," said a spokesman for the HIS. "If your house has increased in value over the years-as it undoubtedly has- -your homeowners insurance should reflect that increase. Or, to put it another way, since it would cost more to replace your house today than, say, five or ten years ago, your homeowners in­ surance should reflect that new replacement cost. "That's why insurance companies and insurance agents urge their customers to review their homeowners insurance regularly to make certain their coverage realistically mirrors the value or their homes. Some companies even offer policies that automatically build in inflation protection. "Again, before winter overwhelms us, we would remind homeowners to make certain, first, that their insurance covers their houses for possible storm damage and, finally, that it's adequate enough." fAUlv S -rLAllNUfcALliK • WHiUlNESUA*, UECEMBF.R 19. 197# Announce Marian Honor Roll Marian Central Catholic high school recently released its high honors and honor rolls for the first quarter. Senior High Honors McHenry - Mark Mass, •Pat Adams. Johnsburg -- Mike Kier- nan. , Senior Honors McHgnry-Debbie Grenier, Maureen Adams, Ron Waytula, Cindy Knox, Tony McAndrews, Bob Moehling and Mark Leon. Johnsburg -1 Todd * Huemann, J.V. Moulis, Darlene Hughes, Mike Davis, Pat Kennebeck and Sandy Neumann. Wonder Lake -- Ladonna Walker and Mary Gibbons. Spring Grove - Lori Rich. Junior High Honors McHenry -- Mike Eisele, Darlene Grenier and Ben Johnston. Junior Honors McHenry - Joe Johnson, Karen Truckenbrod, Jeff Schaefer, Kathy Dieterle, Teresa Wember and Sheila O'Neill. Wonder Lake - Sandy Kasting, Joe Liggett and Joe Sullivan. Sophomore High Honors McHenry - Ron Nye, Sandy Pollock, Sue Granger, Scott Truckenbrod, Sue Bolger and Heidi Reihan- sperger. Sophomore Honors McHenry - John Mass, Steve Shiera, Laura Nylander, Robert Kunz, Sue Hollenbach, Jackie Weber, Tony Wember, Laura McAndres, Cindy Lawler and Ann DeRosier. Spring Grove -- Justin Traver, Ann Rich ami Katie Kagan. Freshman High Honors McHenry -- Laura Franks and Charles Temple. Freshman Honors McHenry - Ann Elizabeth Nowicki, Tim Truckenbrod, Jill Bartos. Tom Wember. Mary Newkirk, James Leon and Cathy Doherty. Full Replacement Cost For Lost Items Available Many families who try to restore their home after a fire or theft find that-due to inflation-their insurance settlement may not be enough to allow them to replace all of their furniture or belongings with new items of comparable quality. Most homeowners in­ surance policies give the policyholder the actual cash value of a their lost or destroyed furnishings. Actual cash value is defined as the original value minus depreciation, and with in­ flation driving up the cost of new items, the home owner may find the settlement to be will provide $150,000 to the Illinois Division of Water Resources to assist them in the inspection of 55 poten­ tially high hazard dams in Illinois. Twelve will be in­ spected by state teams, the remainder by corps per­ sonnel. Fifty thousand dollars of the $150,000 amount is to reimburse the state for work done so far, the rest is for the next fiscal year starting July 1, 1980. spurgeons ATTENTION Exercisers & Dancers. The Perfect Stocking Stuffers! LADIES & GIRLS Leotards Long & Short prr 400 Sleeve in Kb<jr. 4.W assorted solid colors^ V M M SALE! PERH PERSON All Inclusive LADIES & GIRLS Tiahts •Pregnant J HIED HELP? |Call| BIRTHRIGHT (RESERVATIONS BEGIN AT 9 PM) NEW YEAR'S EVE OPEN DINNER From 5 to 7 pm, from our regular menu solid colors. K99 $ 1 5 9 SALE! MAKE RESERVATIONS EARLY PHONE 385-8899 3309 N. Chapel Hill Rd. McHenry OFFICE OPEN 9 To 11AM AND FROM 7 To 9 PM MON >hiu FRI 24 HOUR ANSWERING SERVICE 15-385-299 McHENRY MARKET PLACE 385-4100 THE BOTTLE SHOP Prices at SUNNYSIDE FOODS TIFFANY'S Effective We reserve the right to limit quantities while they last. Sale beer not iced 4216 N. WILMOT ROAD PARTY SIZE 1.75 LITRE TEN HIGH TWIN SISTERS BLACK & WHITE PARTY SIZE 1.75 LITRE QUART WL 8 WALKER'S IMPERIAL SMIRNOFF PARTY SIZE 1.75 LITRE PARTY SIZE 1.75 LITRE FULL QUARTS WALKERS PEPPERMINT SCHNAPPS IMPORTED SCHENLEY O.F.C. 8YR.OLD CANADIAN WHISKY 86 PROOF 750 ML WALKER'S PARTY SIZE 1.75 LITRE PARTY SIZE 1.75 LITRE IMPORTED BAILEYS PARTY SIZE 1.75 LITRE BLENDED WHISKEY 750 ML GILBEY'S JIM BEAM IMPORTED AMARETTO Dl SARONNO 23/32 OZ. 1.75 LITER WALKER'S OR FLEISCHMANN S WHILE SUPPLY LASTS PARTY SIZE 1.75 LITRE ICE CUBES 23 OZ. 10 LBS. CHRISTMAS HOURS Christmas Eve 7am - 10pm AMARETTO Dl SARONNO far short of current costs, warns the Insurance In­ formation institute. However, some insurance companies now offer an endorsement to the standard homeowners' policies which will give the policyholder the full replacement cost for lost or destroyed contents of their home. v The cost of the en­ dorsement is based on a percentage of the original policy. As an example, one company currently offering a "replacement cost for contents" endorsement charges an additional 15 percent of the base premium for single family residences and 40 percent for apart­ ments and condominiums. There may be other requirements which the policy must meet to have the endorsement, depending on the company. Policyholders should check with their insurance agent or company representative for more specific information con­ cerning the availability and requirements of "full replacement cost for con­ tents" endorsements. With inflation presently running at a double digit rate, the extra cost may be worth the security. Inspect High Hazard Dams The Corps of Engineers^ In announcing the grant. Frank Kudrna, director of the Illinois Division of Water Resources, explained that from the time Congress passed the National Dam Safety act in 1975, the Corps of Engineers has inventoried and identified over 4,000 dams of all sizes in Illinois. Since the purpose of the act, and subsequent program, is to protect against dam failure, the inspection of high hazard dams is a priority. "Illinois is in the final steps of establishing rules for the construction and maintenance of dams. Implementing these rules will give dam owners throughout the state con­ sistent guidelines to insure that dams are constructed, operated and maintained in a safe manner; and the funds granted to us by the Corps of engineers will enable the inspection of high hazard dams to proceed rapidly," Director Kudrna said. Since the program began in 1978, 110 dams have been jointly inspected by the State of IP.inois and the Corps of Engineers. Eggs Can Be Frozen Freezing actually extends the life of an egg. Tt) freeze eggs, remove from the shell and place in plastic bags either whole or as yolks and whites separately. Seal tightly and freeze. Top quality eggs, pro­ perly prepared and freezer stored, will hold their quality well for nine months to a year. \» BSftWgg-i NEW 1980 tgNiTH COLOR TV 19" TABLE MODEL \ featuring dependable ELECTRONIC VIDEO GUARD TUNING PABST BEER 6/12 OZ. CANS 1 1.39 OLD STYL E BEER 24/12 OZ. CANS ( i.49 jwEIDEHAANN BEER 6/12 oz. cans 1 1.49 1.75 LITRE I WITH WROUGHT IRON RACK •Gallons".*P J&B HOLIDAY U/H (Liaht im * F T H TAYLOR CALIFORNIA CELLARS. WINES 1.5 LITER 2.99 ROGET CHAMPAGNE BABV CHAM FRUIT WINE IW MOGEN DAVID 1 WINES I i HARVEYS DRISTOI I| CREAM SHERRY FIFTH 1.88 750 ML FIFTH 1.99 SEAGRA STORE SEAGRSTS IS 7 CROWN oust 750 ML FIFTH 1.99 750 ML FIFTH 5.39 "om & ww •Spec Qnd up* ,rom Vino®. ""a * •Mirrors-uq $5.95*o Gift Paeksfe 439 • 75 750 ML kinbhor ;ua»IA" WINDSOR CANADIAN WHISKEY 8" .1.75 LITER m Specially Developed? Sensationally Priced! *498" • The ASHFORD • SS1921W Beautifully finished in simulated grained American Walnut with brushed Nickel-Gold color trim. 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