Most homeowners understand the importance of proper maintenance to keep their home looking and functioning well for many years. What many don’t know is that property maintenance can also have a direct bearing on their home insurance claims. Policies often stipulate that it is up to you to keep your property in tip-top shape. If… Read more »
Winter weather can take its toll on your home. Use this handy checklist to keep your house in tip-top shape to prevent expensive repairs. Inspect Basement Do a thorough inspection of the basement for signs of moisture such as staining, mold, or mildew. This may indicate a cracked foundation, poor ventilation, or a high water… Read more »
Frozen pipes aren’t just an inconvenience. They can cause extensive, expensive water damage to your home or business and they occur far too often. According to the Insurance Information Institute, about 2 out of every 100 policyholders submit a claim for frozen pipe damage. The average cost of a claim is $7,479, but don’t let… Read more »
Cooling temperatures, strong winds, and falling leaves are a strong reminder that winter is just around the corner. Now is the time to prepare your home so you’re well-protected from winter’s wrath. Follow these helpful fall maintenance tips to ensure you’re ready to withstand whatever Mother Nature throws at your house and property. Check the… Read more »
The importance of maintaining the chimney in your home can’t be stressed enough. A US Consumer Product Safety Commission report on residential structure fires found about 21,200 fires occur annually as a result of fireplaces, chimneys or chimney systems. These fires cause deaths and injuries and an estimated $93.6 million in property loss each year…. Read more »
You buy insurance to protect you from the unexpected. However, when a tree falls the claim for damages depends on whose property it was on and what caused it to fall. Here’s what you need to know. Your Healthy Tree Falls and Damages Someone’s Property High winds cause a tree on your property to fall… Read more »
Winter weather is very hard on your home and it can lead to storm-related damage and flooding. If you’re relying on your homeowner’s insurance to cover flood damage, you need to read this. What Does Homeowner’s Insurance Cover? Homeowner’s insurance covers damage from any sudden, unexpected event listed in your policy. However, homeowner’s and renter’s… Read more »
In January of 2018, a bomb cyclone storm dropped 14.1 inches in Providence; an all-time record. The 2014 – 2015 season left 31.8 inches of snow on Warwick, breaking a record from 1962. It seems heavy snowfall is the new normal for Rhode Island, so everyone better be ready to shovel. However, it’s important you… Read more »
Ridges of ice can form at the edge of a roof and prevent water from draining away when ice melts. These “ice dams” are not just inconvenient – they can be very dangerous. Here’s what you need to know. Water Damage The primary concern with ice dams is the water from melting ice can’t run… Read more »
Temperatures are starting to fall and it’s time to prepare your home for winter. Home maintenance extends the life of your home and helps you avoid unnecessary insurance claims too. Here’s a list of maintenance tips to prevent home damage and minimize your insurance premiums. Check Roof, Gutters & Downspouts Fall dumps plenty of debris… Read more »