Risk Management

If you own property, it is yours to use as you wish. Your property is yours to enjoy as long as you want within the limits of the law. Ownership also means you bear the cost if it is damaged due to storm, fire, or even burglarized. As such, insurance is a small...

Spring and summer brings high winds and hail that can cause extensive damage to your homes roof. Finding the right roofing contractor is an important decision when reroofing or repairing damage. If possible, find a local professional who is willing to provide any...

In times of emergency, neither you nor the response team needs to be asking this question. If your house number is not visible from the street, it can be even worse at night. A poorly displayed number can cost you precious time in an emergency. The best location?...

Severe storms truly come in many shapes and sizes. A tornado is a rapidly rotating column of air extending from a thunderstorm to the earths surface. The most powerful tornadoes are capable of incredible destruction and can have wind speeds of up to 300 mph. These...

Are you starting to think about a spring or summer vacation? Maybe youve already started saving money for a trip in the fall? You could be dreaming about an extended stay or just a weekend get-a-way with friends and family. While you are planning, so are the people...

In 2015 water damage was the second most common homeowner claim for home insurance, second to weather related home damage. In fact, according to a recent article in the Insurance Journal, 53% of all claims are related to plumbing issuesburst pipes, leaky appliances...

Most electrical fires start in bedrooms, living rooms, family rooms and dens. To protect yourself or someone you love from becoming an electrical fire statistic, take an electrical safety walk: Check for faulty electrical outlets and old, outdated appliances. Inspect...

The American Red Cross reminds us that more home fires occur in the kitchen than anywhere else in the house. Here are some suggestions to prevent injury and loss to your home: Never leave cooking food unattended. If out for even a second, turn the stove off. Never...

Its a fact. Smoke alarms really do save lives. Since home smoke detectors were introduced, fire related deaths have declined by 50%. Only 10% of households in the U.S. do not have smoke detectors. Yet, 42% of all fire deaths in residential structures occurred with no...

As fall and winter approach, leftover gasoline can be a potentially dangerous nuisance. Yard equipment is often powered by gasoline, and its a common element of yard maintenance. The same volatile ignition qualities that make gasoline useful for powering yard...