The world has faced a series of unexpected crises and challenges since early 2020. From the COVID-19 pandemic to political outrage, and the looming potential of a stock market crash, times are certainly challenging. Among those challenges is the climate crisis. This year alone we’ve seen bizarre and deadly weather patterns, ranging from 3-state wide tornadoes to massive wildfires. Unfortunately, these occurrences have caused home losses and severe home damage. With the climate crisis expected to continue, and potentially worsen, now is a crucial time to purchase or update your homeowner’s insurance.

Hurricane Sandy is still fresh in the memory of many business owners and homeowners in the Eastern part of the United States. While most hurricanes are best known for their high wind velocity, a storm like Hurricane Sandy was known for the damage that was created by the accumulation of surface water, overflow of inland or tidal waters, and overall flooding conditions.

In the wake of an aggressive hurricane season doing extensive damage to the southeast part of the United States, many homeowners are realizing that their basic homeowner’s policy does not cover flood damage.  Instead, flood damage insurance in the United States has to be purchased separately.  Most people who have flood insurance policies purchase their policies through the National Flood Insurance Program.  That Program faces a number of challenges moving forward that may affect the affordability of its offerings.

When you are planning to hire a roofer, there are a few things you need to find out about them, and their company, before forging ahead with the work you need done. Your roof is the most important part of a home or business and as such, needs to have a reliable roofing contractor who is licensed and insured handle all work that needs to be done to it. Hiring a bad contractor, or one who is not licensed or insured, can end in having to spend far more than necessary or hiring someone else to fix the mess the first contractor made. Before you hire anyone, be sure you understand the insurance

Whether you ride every once in a while, during a daily commute, or competitively against others; it is important to obtain motorcycle insurance to keep your bike safe on the road, in storage, or when being shipped.

Did you know that while this coverage is available under your homeowner insurance policy, it is not always included? This coverage, in most cases, needs to be specifically endorsed to provide coverage under your policy. 

The Atlantic hurricane season has already been underway for a couple of months now, running officially from June 1 to November 30, 2015.  The 2015 hurricane season is expected to be relatively tame, with various agencies projecting a below average season with 3 to 5 hurricanes, only 1 or 2 of which will qualify as major hurricanes.

You have a great idea, but not the money to get the project off the ground. Crowdfunding to the rescue! (Or is it?)

The Dangers of Radon

Though you cannot see, smell or taste radon, it can still be present in your home. According to the U.S. Environmental Protection Agency (EPA), when you breathe radon-contaminated air, you increase your risk of getting lung cancer. In fact, the U.S. Surgeon General warns that radon is the second-leading cause of lung cancer in this country next to smoking. Plus, if you smoke and radon is present in your home, your risk increases greatly.

Fall foliage is beautiful, but not when it builds up in your gutters! Some items are a no-brainer when it comes to home maintenance each autumn, but some of the suggestions from our home insurance experts agree are not top-of-mind for dome homeowners. After reviewing the list of suggestions, let us know what your to-do list will look like.