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Water Damage Emergency Tips

Water damage caused from ruptured pipes, faulty appliances, backed-up drains, and heavy rainfall,  lead to the most common reason people make a claim on their home insurance. Regardless of the source, when you are dealing with water damage, immediate action is crucial. Below are steps that you can take to minimize additional water damage and costs read more


How to Avoid Contractor Fraud

Starting a new home improvement project? Read these helpful tips before you hire a contractor. Get a list of reputable contractors from your insurance company, the Better Business Bureau or a specialized consumer organization like Angie’s List. Contact multiple contractors, and obtain more than one estimate. Don’t allow a contractor to inspect your property if read more


Sewer Backup

Backed up sewers can wreak havoc on a home, causing thousands of dollars in damage to floors, walls, furniture and electrical systems.  Sewer backup coverage is available from most insurers for a nominal cost—usually an additional annual premium of $40-$50. For homes that have been severely damaged and are uninhabitable, homeowners policies may provide Loss read more


Ice Dam Tips and Information

You may not know what ice dams are, but they cost the public millions of dollars each year. Ice dams form when warmth from inside a home causes snow on the roof to melt and trickle to the roof’s edge, where it refreezes, blocking gutters and drains. Since water cannot flow over the built-up ice, read more


Black Roof Stains?

Ever wonder what those black streaks on the roofs of thousands of homes are? Those stains are not mold, but the result of an algae known as gloeocapsa magma, which thrives in areas where the summer climate is hot and humid. This algae proliferates everywhere in the U.S. except for western states where the climate read more


Carbon Monoxide Safety

After hearing a story from someone close, what better time to share these facts and tips about carbon monoxide safety – CO alarms really do work! Often called the silent killer, carbon monoxide is an invisible, odorless, colorless gas created when fuels (such as gasoline, wood, coal, natural gas, propane, oil, and methane) burn incompletely. read more


Winter Weather Preparation

Winterizing your home can help save you plenty of headaches in the spring.  You still have time! Here’s a list to get you started: Maintain Gutters Remove leaves, acorns, sticks and other debris from gutters so melting snow and ice can flow freely. You may also consider installing gutter guards. Available in most hardware and read more


Fall Maintenance Tips

Prepare your home for cooler days ahead. Fall foliage is beautiful, but not when it builds up in your gutters! Take these tips into account during the cool autumn months ahead. Have your furnace cleaned and inspected annually by a qualified technician. Keep flammable materials, including all lawn and power equipment, away from water heaters read more


Your Spring Thaw To-Do List

Spring is an ideal time to inspect in and around your home for wear and tear and safety hazards. From cracked foundations to clogged gutters to worn shingles, improperly maintained homes can lead to expensive repairs down the road – and many of those repairs are not covered by your homeowners insurance. Homeowners insurance is designed to read more