Tip-Top on the Rooftop

Gravity combined with water can be an enemy to your property. 

Leaking water through even the tiniest of openings in your roof follows the laws of gravity. It will fall downward causing damage on its way to the inner sanctum of your home. 

The good news is that you can prioritize your to spend a little time on the weekend to prevent water from entering your home through your roof.

  1. Gutters.  Get ready for it. Fall is coming and and it’ll be time to clear and clean those gutters!  The thought of hauling oneself up on a ladder on a Sunday morning to claw through the muck of wet leaves and other detritus isn’t appealing.  Mostly, we think of this as a time-consuming activity that could otherwise be spent with our family. 
    In reality, frequent gutter clearing can be done fairly quickly.  It’s when we let the muck pile up that it sucks up our time.   More to the point, when you clean those gutters, you’re conducting a serious prevention campaign!  You’re avoiding the wood rot that happens from built up water that gets into the soffits of your house and under the shingles of your roof.  Once water gets in there, the damage is more severe than clearing out your gutters.
  2. Chimney caulking.  You’ll need to get up on the roof to check closely the caulking around the bricks of your chimney.  The caulking should not have broken or loose pieces and should have a uniform adhesion to the bricks.  Make sure the shingles around the base of your chimney are secure to the roof.   Check the chimney for loose mortar.
  3. Loose shingles.   Especially after a bad storm, taking a walk around your home for a visual inspection of your roof shingles, or, better yet, while you’re up on the ladder cleaning your gutters, can save you costly repairs.  Shingles should not have loose flaps or curled edges. Secure loose shingles and replace damaged or curled shingles.
  4. Overhanging tree branches and limbs.   Anything that’s too close to the roof and large enough can cause roof damage during severe weather, should be trimmed away from your roof.
  5. Ask the Pro.  It can’t hurt to have a professional roof inspection done every few years. Call us for assistance and a referral to an inspector.

Please check out our other blogs on claim prevention tips. You can reach us by calling 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review.

Click here to Visit our Contact Us page.

Back to School: Children and Insurance

Getting children prepped and off to school is often a hectic time. 

The last thing you want to think about is insurance. 
So, don’t.  That’s right, don’t think about insurance!

You’ve got too much on your plate, between clothing decisions, book-buying, book-bag purchases and packing. So, no, there’s no time for insurance.

What you can do, on the other hand, as your crazy, zany, busy early school days proceed is be mindful of things happening that could become an insurance event.  Putting your insurance into a “zen-like” part of your busy day can only help you avoid the dreaded-of-all-insurance-situations:
a claim!

Let’s start with young drivers.  They grow up so fast. When they pass their driver’s test, it’s a bittersweet. You have more freedom and they have more independence with getting from point A to point B.

You forgot to remember that she’d be asking to use the car to hang out with friends, attend school events, go shopping. Back to school time is a great time to be mindful, thinking of your young new-driver’s desires, and prepare yourself, and them, for that driving experience. 

It’s important to carefully remind them about safe driving techniques in order to avoid accidents and claims!

Rushing out the door on those first insane days of school can lead to other potentially dangerous situations, the kind that lead to insurance claims.

How about discussing safety measures before they even leave the house to get on the road? Such as, the coffee machine?  Does it have an Auto-Off feature? 

Too many household fires are caused by coffee machines burning through empty coffee carafes for hours on end.

There are other potentially dangerous events you can avoid when you add a small dose of “insurance mindfulness” into your crazy Back-To-School Days. 

Call your Independent Insurance Agent and ask her to help you become a Zen-Master of avoiding calamitous insurance claim events.  We promise that it’ll be better to enjoy watching your children run off to school in the mornings while you sip your coffee in peace.

Call us for a no-obligation, FREE insurance quote to help you determine that you, your family and your business are protected! You can reach us by calling 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review. Click here to Visit our Contact Us page.

Walk Through Your House Like a Claims Adjustor

Hopefully you will never need this advice to come to fruition. 
Hopefully you’ll never have a claim. 

But this is what insurance is all about: preparation.  When you prepare for a catastrophe, an accident, a fire or a theft when you buy the right insurance coverage, you’re creating an opportunity to recover.  The money your insurance pays out in the event of a claim is paramount to that recovery. 

There’s one other step to take in your preparation. When you make a claim, often the insurance company sends out a representative to review the damage or the loss and to assess the amount of coverage that should be paid out.  This person is the claims adjustor. 

Never assume the adjustor is looking to provide you with an equitable settlement on your loss or damage.  The best way to get the best financial recovery is to prepare in advance. 

Let’s look at your homeowner’s insurance to prepare for a claim that, hopefully, will never happen.  Walk through your house like a Claims Adjustor would.  Pretend you’re the claims adjuster but with the interest in protecting YOU, the homeowner.

In the event of a theft, you want to show the adjustor the precautions you’ve taken to prevent break-ins to your home.  Is your alarm system properly installed?  Does it have independent power backup?  Are all locks, including those on windows, secure and adequate? 

For the lost valuables, did you prepare with a high-quality inventory of your precious items?  Of all your items that would need to be replaced in the event of a fire?

Do you have photographic evidence to show to a Claims Adjustor?  For very valuable items, did you get a professional appraisal and is that appraisal recent and current?

For damage to the home due to weather including flood*, can you clearly demonstrate that you, the homeowner, took all necessary precautions to protect your home? 

For example, have you diligently cleared large trees or tree limbs that could easily fall on your home?  Have you created storage solutions in the basement of your home to minimize damage to belongings in the event of a water-intrusion event?

Take an hour and do a complete walk-through of your home.  If you ever have to file a claim, you’ll dramatically improve your payout.  That will go a long way to the peace of mind you need to recover.

Call us today to learn about your homeowners insurance and how to protect yourself in the event of an unforeseen claim. Now is the time: before you need your policy to go to work for you.

Your health and financial health depend on it. Call us at 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review.
Click here to Visit our Contact Us page.

*Flood insurance is always specifically excluded from homeowners. Please consult with your agent if you are interested in flood insurance.

3 Things To Do NOW For Your Car Insurance. Number Two Will Shock You!

You’re driving around with the comfort and knowledge that you’re insured in the event of an accident that damages your car, you, or another person or their property. 

Your car needs occasional maintenance and fine tuning; so does your car insurance.  Here are 3 things you can do right now to fine tune, I mean review, with your Independent Insurance Mechanic, I mean Agent.

Improve the quality of your coverage and possibly lower your premiums NOW! 

  1. Uninsured and UNDER insured motorist coverage. 
    The two “Uns” will get you every time when involved in a motor vehicle accident. You’ll want to add this additional protection to your overall insurance policy.  The additional coverage will give you perfect peace of mind and protection against the incidents involving an uninsured motorist or a motorist with insufficient coverage to compensate you for damage to your vehicle or injury to you.

  2. Your collision deductible based on the year of the vehicle. 
    As your car gets older the value decreases.  Too often you’re carrying insurance coverage based on the original value of the car when you first insured it. When you discuss your insurance with your Independent Agent during your annual insurance review, be sure he reconfigures the  current coverage to reflect the current value of the car.

  3. Personal injury protection, also known as PIP coverage.
    This is a component of auto insurance that covers medical expenses regardless of who’s at fault, and often includes lost wages. Depending on the state in which you live, PIP is either an available option or a required policy add-on. It is often called “no-fault” coverage because its inherent comprehensiveness pays out claims regardless of who is at fault in the accident. Don’t get caught without this insurance because you didn’t know it was OPTIONAL vs. MANDATED by state.

Call us today to learn about these coverages and more. Now is the time: before you need your policy to work for you the most. Your health and financial health depend on it. Call us at 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review.

Click here to Visit our Contact Us page.

Summer Preparedness Part 3: Driving

Happy days driving around on a golden Summer afternoon, or touring quaint villages, maybe driving town to town on a meandering route.  School’s out and it’s vacation time! Chances are pretty good you’ll be using your car, or a rental car to enjoy your holidays. 

You’ll want to bring an extra degree of caution to your Summer vacation driving experience.  First, you’ll be in a holiday mood.  It’s natural that your usual driving vigilance might be relaxed.  So your first challenge when you’re driving on vacation is to keep your driving mindset sharp and focused.

Your extra focus is going to come in handy with the other vacation drivers on the road too.  Many of those drivers may be as fuzzy in their holiday driving modes as you…before you sharpened your focus.  

Other drivers are looking at the sights, distracted by backseat or front seat passengers, or maybe just trying to figure out how to turn left into that parking lot for the Gift Shop.  Your extra care and attention is going to come in handy to avoid mishaps that could be caused by other distracted vacation drivers.   And, be especially careful while driving through parking lots.  The distractions are probably at their highest point when a driver is quickly backing a car out of a parking spot and another driver is zipping through the parking lot.  Bang.

You’ll want to sharpen your vacation mind for the protection of your valuables in the car too.  How often do you pull your car into a beachside parking lot or a scenic overlook highway stop off, then jump out of your car and forget to lock it behind you?  Probably quite often.  After all, you’re on vacation.  

Your cares and worries were left at home.  But your valuables are still sitting on the front seat or in the trunk of your car.  And a thief only needs a quick moment or two to open an unlocked door, rummage around and grab and run away with your valuables.

Last but not least, be extra careful with your rental car while away on vacation.  When you pick up the car, temper your eagerness to zip away to enjoy the kick off of your holiday. While the Rental Car Attendant is inspecting the condition of the car before transferring possession, grab your smartphone and snap photos of the exterior of the car.

Make a note of your mileage to be sure it matches the rental paperwork, and check the gas gauge too.  Double check that doors and trunks lock properly and that any remote locking or alarm systems actually work.

This may sound like a lot of work to do while you’re on a vacation.  But a few minutes of careful attention and a sense of normal driving focus will actually help you to have an even better vacation experience. 

When was the last time you reviewed your auto insurance? Don’t wait until it’s too late. Call now at 617-298-0655 or text us at 617-409-0329 for a free, no-obligation annual review. Click here to Visit our Contact Us page.

Summer Preparedness: Part 1: Vacation

You’d think preparing to go on vacation would be as tranquil as the vacation.  Too often it’s not.  The hectic days leading up to vacation time include preparing for the departure from home and office and preparing for the vacation. 

Here’s some tips that might help you prepare more efficiently…and more calmly…for your vacation.

PACKING
The dreaded packing of the suitcase ritual can make anyone crazy!   Prepare for your packing process well in advance.  After all, many of the clothes you’ll take on vacation are not the clothes you wear everyday, are they?   Spend 20 minutes a week for the three weeks in advance of your vacation and pack small amounts at a time.  Setup your suitcase in one spot, where you won’t move it.  Then add to the suitcase in small increments. 

IMPORTANT DOCUMENTS
Passports, credit cards, plane/train tickets, printed itineraries need to be collected well in advance and stored together.   Any office supply store has perfect sized, closeable plastic envelopes and containers that  are ideal for collecting your important travel documents into a single convenient location.  Try to use a bright color for the container so it’s easy to find in a hurry, or in the dark.   If all else fails, a resealable plastic storage bag, the kind you use in your kitchen, is a great solution too.

PHONE NUMBERS
In your address book on your Smartphone, create a new address category where you can save important phone numbers for easy access.  This way, in the event of an urgent phone call  you can pop open a single address category and access all the numbers you’ll need to call, text or email.  Remember, you’re on vacation!  If you have to make urgent contact with folks back home, you’ll want to do it quickly so you can get back to the real work of relaxing!

HOME SECURITY
Checklists are the best way to efficiently prepare your home for your absence.  Windows locked? CHECK.  Alarm company notified of vacation dates? CHECK.  Lamp timers installed and correctly set to match sunrise, sunset? CHECK.   Think like an airline pilot: create a checklist and review the checklist at least two weeks before you leave for your vacation, and then once more the night before or morning of your departure.

INSURANCE
Preparing your insurance for your vacation may be the easiest part of your holiday preparations.  One call to your Independent Insurance Agent to review your insurance policies can help you determine what you have, what you will need, what you’re covered for while you’re away on vacation.

Call us today to be prepared to vacation without a worry.

Call now at 617-298-0655 or text us at 617-409-0329.

Click here to Visit our Contact Us page.

How Much is Your Property Worth?

Some possessions in your home are more valuable than others.  These items can be a curated collection, such as fine porcelain figurines, baseball cards or comic books.  Other valuable items can be heirloom jewelry or fine art pieces, including paintings, sketches, and sculptures.

The value of these special items is not defined only by a monetary figure.  There is also the intrinsic value, the emotional value to you.  There is a fond family memory surrounding a particular heirloom object. What about the satisfaction of assembling learning about a particular collection of items, such as sculpted glass paperweights or famous autographs. This can be appraised but cannot be monetized due to the emotional value they hold.

Your homeowners insurance likely only covers a minimal amount of these valuable items, not necessarily covering the true market value in the event of a calamity that damages or destroys these valuable possessions. 

These special items need to be appraised by a professional to create a monetary record of their worth.  The expense of such an appraisal is well worth the cost in the event of a claim against your Homeowners Insurance and your desire to obtain the proper recompense for the damage or loss to these valuables.

There are two avenues to obtain an appraisal of your valuable items.  The first, and possibly less-costly, is to obtain an appraisal through a recognized expert.  For example, a jeweler can complete an appraisal of your heirloom jewelry items.  Likewise, an expert in art, or objets d’ art can be consulted to provide an appraisal opinion for other items you may own.  

The second method is to engage a Certified and Licensed Appraiser.  Typically we think of appraisers as professionals in the real estate trade, to appraise homes.  But Appraisers are trained in specific valuation methodologies.  There is a regimen that Appraisers follow to assemble a high-grade valuation of your personal property.  This regimen is based on professionally-accepted standards necessary for an appraisal to be certified.

While the cost of the latter valuation method may be higher than that of an expert opinion, you may want to incur the higher cost to provide your insurance carrier with the best possible valuation.   If you are using an expert opinion, be sure the documentation they use is acceptable to your insurance carrier.  You don’t want to find out that your carrier will not accept valuation documents when filing a claim.

Call us today to discuss how to appraise the true value of your treasured possessions and how to understand your coverage. That’s what happens when you work with an Independent Insurance Agent! Call now at 617-298-0655 or text us at 617-409-0329. Click here to Visit our Contact Us page.

The Two Most Effective Steps When You File A Claim

Your Insurance is in place to protect you from risks that may affect your wealth and your health.  When an incident occurs, you’ll want to file your claim in order to receive payment for your loss as quickly and efficiently as possible. 

Luckily, there are two easy steps to ensure a smooth claim process.  Best news of all, you can manage these two easy suggestions in a short time, maybe even while you’re binge watching whatever is the latest and greatest on Netflix. 

#1: Paperwork

Gather your insurance policies to an easy-to-find (and easy to remember) location.  You might want to consider scanning your policies to PDFs and saving those on your Smartphone, home computer, or Cloud Storage. 

If you’re saving paper or scanning to PDF, be mindful with how you label each document.  Using the Insurance Carrier’s name along with the purpose of the policy is helpful.  For example, “ABC INSURANCE Homeowners Policy.” 

Use different color post-it notes strategically placed on each paper document to easily flip through multiple policies. If you’re storing PDFs on a computer or Cloud drive, create different folders for each policy and be sure to “rename” each PDF for easy search.  In a pinch you’ll want to quickly locate “XYZ MUTUAL INSURANCE 2017 PONTIAC.”

#2: Photos

Smartphones make it easy to snap photos of your belongings around your home or to grab a quick photo of damage to your vehicle after an incident. Be sure to have the date stamp feature enabled.

In your home, while running your vacuum around or changing the bed linens, snap photos in each room where you have valuable belongings.  Take a photo of the entire room, too, with different angles. Capture clear, up close photos of individual valuables. 

Upload your photos and save to your home computer or Cloud Storage. Or both.

We’d be honored to spend a few minutes with you to discuss how to organize your files, review to see if your valuables are insured properly or to prepare the step-by-step of the “what to do” and “what not to do” after a claim.

When you’re organized in advance, your claim can be processed efficiently. This gets you paid faster in order to begin the repairs.

You can call us now for a free educational moment or to review your existing insurance policies to be sure you’re covered for every eventuality. Call now at 617-298-0655 or text us at 617-409-0329. Click here to Visit our Contact Us page.