Category: Homeowners


  • What Is a Hard Insurance Market? What Does It Mean for You?

    Why does your rate go up even if you haven’t filed a claim? Insurance is a system where individuals pay premiums into a pool of funds that is used to pay for claims when they arise. However, when there are too many claims and the pool of funds is depleted, insurance rates increase for everyone not only the people that have had the claims.

    We get it. It stinks to pay money for something you hope to never have to use.

    However, despite how much we dislike paying for it, insurance remains a crucial aspect of our lives because it protects us financially against catastrophic losses.

    December 15, 2023

  • View of roof with shingles coming off

    Spring Is Here! Time to Assess the Condition of Your Roof

    It’s time to assess the condition of your roof! In this article, you’ll learn about how to maintain your roof this spring. Now that you’ve made it through the long, hard winter, addressing home repair issues that may have surfaced in the last several months is essential. At this time of year, it’s especially important […]

    March 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

  • 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

  • Your Home is in a Trust, WHY THAT MATTERS!

    Warning this article starts off dry & boring but if you hang in there it gets better with fireworks, fire, and other mayhem. First things first. What is a Trust? Basically, here are some layman’s definitions. A trust is a legal document that can be created during a person’s lifetime and survive the person’s death. […]

    March 12, 2021

  • Illustration 65119764 © Markus Gann - Dreamstime.com

    The Investment Every Homeowner Should Consider

    Water damage is one of the most common causes of home insurance claims. According to ISO, water damage claims are the second largest frequent insurance claim, following wind and hail damage. Claims due to water damage impacts 1 in 50 homeowners each year. The cost from these claims impacts all of our home insurance premiums. […]

    August 6, 2020

  • ID 47111169 © Stocksolutions | Dreamstime.com

    Protect Your Home from Water Damage

    Did you know? Water damage is the second-most frequently filed homeowners claim. Water damage is 5x more likely than theft, and 6x more likely than fire. One in 50 insured homes file a water damage or freezing claim each year. The average cost of a claim due to water damage or freezing is $9,633. 68% of water backup claims […]

    August 5, 2020

  • ID 158632523 © Gaewchiangmai | Dreamstime.com

    Water Damage- Know What to Do

    Water can do an enormous amount of damage very quickly. Most homeowners are not equipped to handle and mitigate the kind of damage and bacterial growth that water can cause in a very short time, and will need the professional help and guidance of a water mitigation/restoration company to minimize and thoroughly handle the damage. […]

    August 5, 2020