not break your vow is to try and spread them throughout the year instead of having them all at the beginning. In January you can start with baby steps such as, changing the batteries in your smoke detectors and battery operated clocks and watches. Like I said, baby steps. In February you could flip . . . → Read More: New Years New Goals

A good way to not break your vow is to try and spread them throughout the year instead of having them all at the beginning. In January you can start with baby steps such as, changing the batteries in your smoke detectors and battery operated clocks and watches. Like I said, baby steps. In . . . → Read More: New Year Resolutions

When purchasing a live tree be sure to check for freshness. An easy way to do this is to bang the already cut tree on the ground. If you lose a lot of needles it is probably best to choose a different tree.

Be sure to give water to the tree daily.

Do . . . → Read More: It’s That Time of Year

This client, we’ll call him Jim, was getting his home spruced up for the pending holidays. He had the gardener come to weed his flower beds, he had the handy man come to clean out his gutters and he had contacted a gentleman to power wash the exterior of his home. The day came . . . → Read More: Now That is What I Call Clean

Each Thanksgiving we get together with our families and friends to give thanks and feast on our favorite traditional foods. Here in the south one of our many traditions is instead of roasting our turkey in an oven we use a deep fryer. This is a mighty tasty treat but it can also . . . → Read More: Let’s Talk Turkey

If that wasn’t bad enough, their home had been flooded two years ago and they still have not gotten their home completely finished from the first disaster. There is a small creek behind their home and slowly but surely there has been the addition of new housing in a neighborhood about 12 miles away. . . . → Read More: Lightning Strikes Twice

1) Report the incident as soon as you can with your insurance company. They may need you to make a statement. 2) Start your insurance claim filing process by working off your inventory list. Use your provided pictures and items lists to check for missing or damaged items. If you are dealing with a . . . → Read More: Filing an Insurance Claim

Replacement is more favorable if you should encounter a burglary, fire or any other type of loss to your home assets. Replacement cost does NOT take into account the wear and tear on an item, just how much it would cost to replace the article. The cost of replacement is determined by an item . . . → Read More: Actual Cash Value vs. Replacement Cost

Mold is a spore that is found both indoors and out. It is microscopic and floats through the air attaching itself to anywhere there is moisture or dampness.

If your home or business should encounter water damage due to a flood or leak, here are some helpful hints to help you avoid additional damage . . . → Read More: Mold,Insurance and How it May Affect You

You should also ask about "additional living expenses". This is written in most renters policies but to be sure you will want to ask. What this covers is an alternative place to live should the dwelling you are renting should become inhabitable due to anything covered under your written policy. The amount is usually . . . → Read More: Renters