The homeowner’s to-do list: Here’s where to start

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Now that the seasons have turned, it’s time to assess how your property weathered the winter. This is a good time to make a “to-do” list to prevent property maintenance and liability issues. Starting from the top: Roof – Have a roofer check for lifting, curling or missing shingles, or shingles that have suffered granular loss. Remove any debris or built-up moss that can reduce your roof’s life expectancy. Clean gutters of any leaves or debris.


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Maintain privacy through records disposal

identity-theft

Identity theft is a major problem that is growing each year. Criminals want to use your name, date of birth, Social Security number and other personal or account information to steal your identity. You can minimize the chances of being an identity theft victim by using safe and secure methods to dispose of important, confidential or sensitive paper or electronic media storage devices, such as computers, CDs and flash drives.


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Lightning – or power surge? I’m not worried; I’m covered

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In the old days – I am 54 and have been in the insurance business since 1987 – a lightning claim investigation was a pretty simple process. I would simply review whatever resources were available and determine if a thunderstorm had passed through the area on the day the loss occurred. If a storm could be verified, the loss claim was validated.


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