A House Mishap You Might Not Be Aware Of

Tuesday, July 29th, 2014

How to avoid home damages caused by soil movementThough built with concrete, steel, and wood, your home isn’t immune to damages.

As it ages, it will gather dust and lose the brilliance of its original paint. Its wooden parts wear out and might even attract insects. While your aluminum and steel roofing and pipes might get rusty and need replacement.

But there’s another thing that’s ruining your home in silence. It works underneath but the wreckage it brings could be big that you won’t be ready for it.

Cause and effects of soil movement

We know that the earth constantly moves but its tiniest bit – soil is also often in motion. And these tiny movements can damage your home from below.

The ruin it does goes up to your floor, walls, tiles, and pipes which could make the whole house collapse.

Its main cause is severe weather changes like drought, continuous rain, and storm, which undoubtedly we can’t control. However, you can be prepared and have your home checked and repaired to prevent an even bigger disaster.

Preventing further damage of shifting soil

The first signs that your home is being damaged by soil movement are cracked floors and walls, and misaligned windows and doors.

In severe cases, you’ll hear creaking sounds or see your floors and walls having holes or becoming uneven without you knowing how it happened. This is an indication that the foundation of your home is crumbling.

If you notice this contact a foundation repair company immediately. They can apply the necessary patches in and around your house.

You could also ask a home inspector to survey your house before and after the repair to make sure you got everything fixed.

Before buying a house

If the condition is extreme though, moving homes might be a better decision. Should you choose to do this, get the help of your local home inspector again to double check if the new home you’re considering is sturdy and can withstand soil movement. Cracks on sidewalks and roads are again signs that a neighborhood is prone to foundation problems.

And get in touch with your local insurance agent to have the right coverage in your home insurance. Your insurance may not prevent soil from moving and damaging your house but it can help you have funds for small and big repair when the right coverage is in place.

For this particular need in the Hudson Valley New York City area, feel free to contact Joe DiCesare via phone or email.

Photo credit: U. S. Fish and Wildlife Service - Northeast Region

Calculating Driving Discounts with Snapshot

Friday, April 11th, 2014

save on auto insurance with snapshotSafe driving now saves you even more on your car insurance. Thanks to Snapshot, people are reminded to pay better attention to their own actions as well as the actions of other drivers on the road.

Snapshot is an ingenious tool that places the costs of individual drivers’ insurance policies in their own hands. It translates to people changing their behavior on the road because they know their actions are being monitored. More importantly, it encourages them to pay attention to and avoid other hazards on the road.

Do You Need Pet Insurance?

Friday, April 4th, 2014

learn about pet insuranceFor decades, we’ve heard about the high costs of health care. But, when was the last time you took Fido to the vet? Pet care and pet health is rising exponentially as people are more and more inclined to treat pets like cherished members of the family.

In fact, MSN Money estimates that of the nearly 45.4 billion dollars Americans spent on their pets in 2009, nearly 27 percent of that staggering figure was for veterinary care and expenses. Unfortunately, more people are traveling with their pets by car, boat, planes, and trains and when accidents occur, pets are often victims as well.

Avoid Roadside Assistance in Your Policy

Friday, March 28th, 2014

roadside assistance and auto insuranceThere are all kinds of items and add-ons that look necessary when purchasing your insurance policy. The reality is that some of them will do more harm than good for you if you ever make a claim on them.

Why is Roadside Assistance Such a Bad Thing?

Truthfully speaking, it isn’t. In and of itself, roadside assistance is a smart thing to have. Just make sure you don’t roll it into your insurance coverage.

Flood Insurance Basics

Friday, March 21st, 2014

flood insurance basicsWild weather and a few unnatural disasters in recent years have brought the genuine need for flood insurance in most areas of the country to light.

From devastating storms, such as hurricanes Katrina and Sandy, to record snow melts and storms that seem to crop up out of nowhere leaving disasters in their wakes, people are beginning to ask necessary questions regarding flood insurance.

How to Keep Your Auto Insurance Costs Down

Friday, March 14th, 2014

lower car insurance costsAuto insurance is required in all U.S. states. The minimum coverage varies greatly from one state to the next.

However, more than minimum coverage is often needed in order to adequately insure the investment you’ve made in your car — not to mention the money you still owe if you are making payments on your vehicle. These are a few things you can do to keep your insurance costs lower while getting the coverage you need.

Benefits of Whole Life Insurance

Friday, March 7th, 2014

benefits of whole life insurance policiesMost people don’t give much thought to life insurance. For some, it’s about what comes “after” and that’s not something the average person is comfortable thinking about.

However, before you make your life insurance decision, it’s a good idea to explore the potential immediate and long-term benefits of a whole life insurance policy rather than a term life policy. Term-life insurance may look like a better value up front but the benefits of a whole life policy are undeniable.

Auto Insurance for College Students

Friday, February 28th, 2014

auto insurance for college studentsCollege represents exciting times in the lives of students. It’s also a time filled with decisions and difficult choices about how to budget life, learning, and recreation. It’s a delicate balance where missing important details and purchases could cost you big in the long-term.

Purchasing auto insurance for college students who own cars is not an optional expense. The good news, though, is that you don’t have to invest all of your available funds into buying insurance. While most college students are still young and somewhat inexperienced drivers, you can find affordable auto insurance for this age group.

Workers Compensation Benefits to Employees

Friday, February 21st, 2014

understanding workers' compensationIf you have employees, you already know that workers’ compensation benefits are an absolute requirement. What you may not understand, though, is why it’s so important?

Most people don’t understand the full benefit, or potential benefit, of any insurance policy until they find themselves in need of that insurance. As an employer, you’re not often on the receiving end of workers’ compensation benefits, so it’s a little more difficult for you to gauge the benefit and value.

Auto Insurance and Teen Drivers

Friday, February 14th, 2014

teen drivers and auto insuranceHas your child gone from tricycle to road test in what seems like the blink of an eye? Before we know it, our teenage children are asking for the keys to the car. This carries with it a whole new level of responsibility, and for parents, a whole new level of stress.

After your teen has passed the road test, insuring the new driver in the family is one of the next steps. Understanding your options before you begin this process can help alleviate some of that stress, and may even save you some money.