Imagine this: You come home one day from work to find a large portion of your living room ceiling lying on the floor. After an inspection from a contractor you learn that a very important structural beam has collapsed bringing down the ceiling supports that were attached to it. Now the bad news, all of […]
The holiday season is upon us and that means neighborhood and work parties full of delicious food and drinks. If you have invited all of your friends and family over for a chance to eat, drink and be merry, be sure that you understand your liability risk if the party ends up going sideways. According […]
Being a homeowner is a big responsibility and one thing you can’t afford is to get caught up in a scam. Dishonest contractors, locksmiths, and other scammers are more common than you would imagine, and if you have the bad luck of falling for one of their schemes, the results can be both messy and […]
A recent survey by the National Pest Management Association (NPMA) found that nearly 100 percent of pest control respondents said they had been called out to at least one bed bug infestation in 2012. Bed bugs can be found just about anywhere that people sleep. The list includes homes, hotels, college dorms, motels and even […]
While saving money is has become a big priority for most people these days, cutting back too much can be an expensive mistake, especially when it comes to home insurance. Shopping your insurance coverage around in order to find a better deal is always a good idea but cutting back or eliminating coverage altogether can […]
There are times when it pays to be a bit older. One of those times is when you are shopping for homeowners insurance. Getting older can help lower your premiums so if you recently hit 50 or retired, it might be time to shop your home insurance around. Here are just a few discounts that […]
Homeowners in Miami have been hit by the high insurance rates and deductibles charged by Citizens in multiple ways. Apart from having to separate yourself from a lot of money, the high rates also depressed the real estate market in Miami-Dade County in the past. However, this is likely to change as the current hurricane […]
While most people know that their homeowners insurance will pay for damage due to fire or vandalism, many are unaware of everything it actually covers, and one big thing it doesn’t cover. Flooding is one aspect of homeowners insurance that can be particularly confusing. Many people think that if their home floods, a quick call […]
Many parts of the Sunshine State are prone to hurricanes and as such most homeowners insurance includes cover for hurricanes. However, this does not compensate the homeowner for damages caused by the flood waters that often accompany hurricanes. Homeowners in Florida and other parts of the country need to ensure that they have adequate flood […]
Its almost time for trick or treaters to start ringing doorbells and asking for candy. While you probably have the candy bowl stocked and the decorations up there is one more thing that you want to be aware of before greeting those first ghosts and goblins. Halloween is a time for fun but there can […]