Clean leaves and debris from gutters to allow water to flow.
Take advantage of fall weather to work on projects around your home and protect it from common winter problems. Keep the following tips in mind:
- Clean out your gutters. Remove leaves and other debris from your gutters first by hand to get rid of the large particles, and then with a scraping tool and water hose before cold weather arrives. This helps to prevent ice damming. Ice dams are caused when snow melts on a heated part of the roof, then refreezes on a colder portion of the roof. This creates a dam and allows water to back up under the shingles, causing damage to insulation and interior ceilings or walls. The University of Minnesota Extension Service has more information about preventing ice dams.
Life-saving technology can also add to medical costs.
Consumers often wonder what factors affect insurance premiums. One big factor is the rising cost of medical treatment.
General liability, homeowner, workers’ compensation and auto insurance claims all are affected by post-accident medical expenses. From initial emergency response and trauma care to surgery, physical therapy and beyond, medical services are essential to helping people recover from an accident. But these life-saving measures are also major expenditures that impact insurance rates. Read More
Protect your vacation home from common causes of damage.
Whether it’s a cabin in the woods, a house or condo on the beach or a chalet in the mountains, your vacation home can be a wonderful place to relax and unwind. However, secondary residences require additional precautions compared with your primary home.
An often-overlooked hazard involves water damage to secondary residences that stand unoccupied for extended periods. Read More
Think about coverages you may need for an older or historic home.
You may find an older home appealing because of its size, grandeur and location. But before you leap into the refurbishing trend, look at how older homes can present challenges that could increase your insurance costs.
After World War II, tract homes became the norm as the construction industry standardized materials and techniques. As a result, features found in homes constructed before 1945 became “custom.”