Category: Insurance Tips

  • Business man in suit holding hand over small wood house with three small wood people.

    Is Your Insurance Coverage Enough?

    Do you have adequate insurance coverage for your home and vehicle? Would you know if you did? Find out here whether your home is underinsured. Whether auto or homeowners, insurance is a powerful form of protection against disasters. Insurance makes rebuilding possible when something unexpected happens, whether a house fire or a car crash. Unfortunately, […]

    February 8, 2023

  • Danger Carbon Monoxide

    5 Carbon Monoxide Safety Tips

    Every year, unintentional carbon monoxide (CO) poisoning (not linked to fires) sends 20,000 people to the emergency room and causes more than 4,000 hospitalizations. And, you might consider them the fortunate ones. CO also is responsible for more than 400 deaths in America each year, according to the U.S. Centers for Disease Control and Prevention. […]

    September 22, 2022

  • man in new car

    Insurance Coverage for Your New Car

    Congratulations! After weeks of research, comparing makes and models, and taking test drives you finally bought that brand-new car you wanted. But before you take that well-deserved road trip, check one more item off your list: the right car insurance. While some auto coverage options are essential whatever the age of your car, new vehicles […]

    August 15, 2022

  • moss on tile roof

    Moss Removal From Tile Roofs

    Can Moss Grow on Tile Roofs? Absolutely, moss attaches itself to any organic material that is available, and uses this as its anchor, or base, for growing. All roofs are susceptible to moss growth, but moss is particularly common and damaging to tiled roofs in wet climates. If moss and lichen growth is left unchecked, […]

    May 13, 2022

  • Moss Removal From a Metal Roof

    Metal roofs are made with different materials such as steel, aluminum, or alloys/ combination of the two. And even though metals can be galvanized, they won’t be as strong as cemented roofs or brick. Most metal roofs can stand up to you walking on them better than ceramic tiles and some other roofing systems. However, several factors come into play to avoid damaging your roof. To safely walk on your roof, you need to understand the roof type, have the right shoes, use roof-top support equipment, and ensure the conditions are right. What’s more, some roofing industries have other prerequisites for these roofs such as don’t exert force on certain spots of the roof.

    May 12, 2022

  • mossy roof

    Spring Roof Moss Removal & Gutter Cleaning

    Moss can dramatically shorten the life of your roof. Moss has excellent moisture retention, meaning it is constantly damp from rain and slow to dry out. This moisture promotes rot in wood shakes. It causes composition or asphalt shingles to lift (allowing water to seep in) and causes the roof to shed its UV- and fire-protective granules. It leads to softening in tile roofs and when the moisture expands and contracts it can cause cracked and split tiles. Once the tiles crack and split, more moisture is allowed to seep into and damage the wood decking and other structural materials underneath. Metal roofs may seem impervious to moss damage however the feeding action from moss growth can actually cause significant damage to a metal roof. Moss holds hold onto water trapping it against the metal roofing. As we all know, water corrodes metal, and over time this damage can become more serious. The water and digestive material can also discolor and stain the roof, making it unsightly once the moss and algae are eventually cleaned off.

    May 12, 2022

  • Parts Shortages Are Slowing Car Repairs

    When does rental car reimbursement pay?  For the coverage to pay there has to be a covered loss. This means that it will not pay for a rental after when your vehicle is having mechanical issues. It is designed to pay after a loss like a collision, fire, theft, or a tree fell on your car.
    How easily can you make other transportation arrangements if your car is stolen or in an accident? What if you are on a road trip when an accident or theft happens? Do you have enough saved in your personal emergency funds to pay for a rental vehicle for an extended time period without the help of your insurance coverage?

    May 4, 2022

  • April is Distracted Driving Awareness Month

    April is Distracted Driving Awareness Month, a united national effort to raise awareness about the dangers of distracted driving and eliminate preventable deaths and injuries on our roadways. We are focusing on spreading awareness about distracted driving, and this message isn’t just targeting teens — everyone, no matter what their age is guilty of not […]

    April 12, 2022


    Research has discovered another risk factor on the road: Stress. Some studies indicate stressed driving can be as risky as texting on a hand-held phone while driving. We live in stressful times. What can you do to reduce your stress level while driving? Here are some quick tips: CALMING MUSIC Researchers at Stanford University have […]

    April 12, 2022

  • Counting money

    5 Things to Consider to Help Lower Your Homeowners Insurance

    Homeowners insurance is critical for protecting your home and its contents in the event of damage. Learn 5 ways to keep costs down on a new or existing policy. Much like paying for routine maintenance of a vehicle, your homeowner’s insurance policy is meant to do something very important: keep things running smoothly. In the […]

    March 14, 2022