|Posted on September 22, 2015 at 11:25 AM||comments (106)|
This is a regular part of home maintenance that can make a big difference in not only the appearance of your home but also the safety and avoidance of future problems.
Yesterday, I had my long time customer,
http://grossepointetreeservice.com, inspect and trim the trees on my property.
I knew this was important to the upkeep and insurability of my home. I asked the owner Tom for a list of reasons WHY I should keep trees trim and healthy.
He of course told me that my insurance company could non-renew or deny my coverage if trees were unruly, touching the roof, or unkempt. (you might guess I knew that already!)
In addition, he stated that wind and storms, would cause the branches to wear down my roof and dent gutters, possibly causing my roof to need an early replacement or repair or the gutters to not work properly.
Next, he said if my trees hang over my roof and cause too much shade, the roof will not dry properly after rain and snow causing possible mold or water damage and moss growth on the roof.
Lastly, he reminded me, that tree limbs can break in wind, rain or snow storms, falling on my house or cars. He can inspect trees for rot and week structure so they can be removed before you have a larger problem.
Good maintenance can and will help avoid many homeowner problems, but having the right insurance coverage for the unforeseen and unexpected loss is important too.
Call us or use the quote link on our website to review your home and auto coverage today.
And for a contractor with a good reputation, and excellent insurance (if I do say so myself) check out http://grossepointetreeservice.com.
And, Yes the blue strip on the curb is in support of our police, fire and safety officers!
|Posted on December 3, 2013 at 10:11 AM||comments (264)|
Christmas is a great time to think about traditions, family, and those we love.
Many of us have Christmas collectibles, Family Heirlooms and the like that are priceless to us.
Have you thought about whether these are covered on your homeowners Insurance.
I remember a sweet lady to went to add to her precious moments Christmas ornaments and found out her personal collection was worth almost $100,000. She just liked the ornaments.
These and many things in your home need extra coverages to adequately protect them.
Here are some examples of collection amounts and the price to insure them
Type Amount of Insurance Premium
Fine Art $631,983 $1,748
Sports Memorabilia $425,000 $1,322
Art (prints, lithographs) $282,000 $1,112
(movies/music) $250,000 $1,038
Trains $168,6000 $481
Sports- Cards, uniforms $150,000 $658
Antique Furniture $137,000 $549
Advertising Memorabilia $34,000 $193
Weapons (gun, ammo) $25,000 $165
Our policy covers - Burglary & Theft, Fire, Flood*,(*not available in all areas)
Natural Disaster, Breakage, Shipping & Transit
I want to see those trains!!!
So as we add to these collections, show them off, bring them out of storage or just admire them, check with me, or your agent and see if you are insured.
|Posted on September 10, 2013 at 7:46 AM||comments (29)|
Need some Work done on your Home?
Make sure your contractor is insured!
Yes that's correct, you have the right, when hiring a contractor to do work on your home or business to ask for a current certificate of liability and work comp insurance.
If a contractor, or their employees, while performing work on your home is injured, you can be held liable and your homeowners or businessowners policy will respond to this injury.
Checking to see that they are insured, will NOT absolve ALL liability, but the first responding policy will be the contractors own insurance policy.
Furthermore, if the contractor, while working, or as a result of thier work, causes damage to your home, thier liability insurance will cover you for that loss.
Homeowner policies are rated for paid claims, and we all understand accidents, weather, fire and crimes can happen, and that is why we purchase good insurance policies for our homes and valuables. We don't want that policy to pay, though, because we didn't make sure we hired the right contractor.
So, keeping your home safe and beautiful is something we all desire to do, let's make sure we check all the boxes, ask friends for referrals, check the Better Business Bureau or what ever you do to feel you hired the right people and add " Insured and Bonded " to our list.