Many of our clients own multiple properties and divide their time between two homes. It’s important to make sure that you have taken all the necessary precautions to ensure that your property is protected while you are away. Below are some thoughts we’d like you to consider so that you can prevent potential damage. Tend to your Heating and HVAC...

BRRRR! Winter is coming up quick and with the last couple of years we’ve experienced, it makes sense to do all you can to prepare you home against the elements! Below is a checklist of a few items you can do before winter hits to protect yourself from potential damage: To Keep Visitors Safe Make Sure You… Check walkways and...

Insurance rates have been on the rise for quite some time. Between the rise in natural disasters, the economy, and the impact of the COVID pandemic, there has been quite a shift in the insurance industry. We believe in educating our clients and always try to do our best to share our expertise with you. It’s important to us that...

When it comes to purchasing homeowners’ insurance, we find that people often have questions when it comes to placing a valuation on their home. Most of the confusion seems to stem from an unclear understanding of the difference between the Market Value of your home and the Replacement Cost of your home. It is important to keep in mind that...

October is fire prevention month, so we feel it is important to take a moment to remind our followers of our best tips for preventing a fire in your home.   Below are 8 Important Steps to Fireproof Your Home Install A Central Station Burglar & Fire Alarm - We cannot state strongly enough that the most important precaution you...

I was recently asked by the editor of a local online publication a question: Why doesn’t home insurance cover storm losses? It was of course a very timely and important question. In the wake of Tropical Storm Ida, I was happy to offer my advice and wanted to be sure to share it with you! Why Doesn’t Your Home Insurance...

So many of our Advocate Brokerage friends and family have suffered extensive damage from the wrath of Tropical Storm Ida. We’ve seen an incredible number of basements and main floors covered in water from this storm. We wanted to provide a resource to help those of you who are looking to do a bit of clean up in the aftermath...

When a wind storm knocks down a tree in your back yard causing damage to your fence, your first thought might be to pick up the phone and file a claim with your homeowner’s insurance carrier. It makes sense to want to be compensated for any loss. The question is…   Does it make sense in the long run?  ...

  We understand the reluctance to read yet another report about the wildfires that occurred nearly 3000 miles away. The fires that have devastated many areas of the West Coast may seem like they are out of sight, so they are out of mind but the truth is that when catastrophic losses happen in any area of the United States,...

Winter came a touch early this year so we hope you had time to prepare your home for the remainder of the long winter months that lie ahead.  Below is a list of items we recommend all homeowners address so that they reduce their risk of common winter mishaps.   To reduce the risk of fire: If you have not...