Storm Protection: The Season is a Reason
Winter is coming. Or for some, winter is already in full force. And with it comes a multitude of moisture, from hail and sleet to layers of heavy snow. The icicles dripping from eaves create a breathtaking effect, but they aren’t doing any favors for your home. In fact, a typical winter creates a lot of damage on the structure and surfaces of your home, from your roof to the siding, windows, doors, deck, and even internal plumbing.
Some secrets and trademarks are so coveted that businesses have gone great lengths to protect them. Coca Cola will never patent their formula and how does that Caramel get into the Caramilk Bar?
Dorm Insurance: Myth or Truth?
So, your nest is almost empty. Your little baby is about to venture into the wide world to attend college. It’s a tough transition to trust that they will be okay on their own. After all, when you look at them, you still see the little kid you read stories to and tucked into bed at night.
A long-term client got ahold of us at Higgins Insurance to ask if we could help her daughter with her home insurance. The daughter recently moved out on her own into a quaint mini-home, and our client was concerned that she had not received the proper advice with respect to the coverage she needed.
Fall fire safety probably isn’t high on your list of things to remember this season. Between family visits, holiday planning, travels, new projects, house cleaning, and other tasks, your mind simply has no room for unnecessary details. However, fall fire safety is entirely necessary to keep your family safe during all of those holidays and visits that you’re prepping so hard for!
Roof Inspection Prior to Winter
The winter months can have a harsh toll on your home, from thrashing the siding to tearing roof tiles loose. Because of this, you might already check your roof or have it professionally inspected in the spring. But it’s equally important to armor your home against the harsh winter rain, wind, and snow. If siding or roof tiles are missing prior to winter, it can leave the structure and integrity of your home at risk, leading to larger issues and more financial drain.
Those long, relaxing hours at your cottage, cabin, or vacation house are winding down as the leaves change colors. Winter is almost here, and that means winterizing a house might already be on your mind. Luckily, we’ve compiled a checklist of eight tips for winterizing a house so that you don’t find costly problems in the spring!
Defining Backflow and Sewer Backflow Prevention
“Backflow” is a term common to plumbers that describes the unwanted flow of water in the reverse direction as what is intended. For instance, in a home, it typically refers to the process of toilet flush water supply not being properly isolated from the toilet bowl. When the flushed, contaminated or “foul” water surfaces, it can cause serious health hazards. That’s why sewer backflow prevention is so crucial to a home or any public building.
Ask anyone in the insurance industry today, “How did you get into the business?” You will get a variety of answers. One answer that will not be on your list: “For as long as I can remember, I have wanted to be in the insurance business.” The profession of an Insurance Broker is years in the making, but generally comes from a referral or recommendation between friends and family members.
Carpool insurance may be the last thing on your mind as the days of summer come to an end. School is back in session! So you’re probably frantic gathering up school supplies and figuring out a daily schedule that includes taking the kids to class as well as after-school activities. Depending on your neighborhood or other nearby parents, you might even carpool other children along with your own. After all, it saves on gas money, cuts down on time, and gives your little ones extra time to socialize. It also evenly distributes vehicle wear between carpoolers and can help the environment by reducing emissions. That’s where carpool insurance may come into play, and why you should consider the effects of carpooling on your policy.