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.
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!
Do you remember your days in school when the teacher would ask a particularly difficult question? It became an involuntary reflex to drop your head, look at the pencil scratches on the desktop, and pray that she didn’t call your name. The human need to be seen as all-knowing and invulnerable really amazes me.
Insurance brokers strive to be the opposite. It is our nature to ask questions in order to learn and understand more, and we know that clients have questions, too. We want to encourage those. So, to break the ice a little, I have captured some of the most commonly asked questions by our clients. They are categorized to help future clients benefit and perhaps even trigger some new questions that have yet to be asked.
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.
Mortgage Life Insurance: The Questions to Ask
It’s time to take a look at your life insurance policy and ask questions like: Who owns it? And, more importantly, who benefits? The answers might surprise you.
Make Home Insurance Rates Part of the Renovation Plan
So, you’re thinking about a home renovation? It can be exciting to design a new floor plan, pick out flooring, and shop for those little extras to find the best bargains! It’s even more exciting to see it all come together after weeks, months, or even years of preparation and hard work. Most likely the last thing on your mind is home insurance, but it should be!
Home insurance rates may shift due to renovations, either increasing or decreasing depending on what renovations are performed. So while you may be increasing the value of your home, you could also be leaving it vulnerable to losses. And while you may be incorporating upgrades that lower your home insurance rates, the savings will just be sitting there unless you contact your insurer to ask!