Your insurance company may request that Verisk, formerly ISO, come out to your property and conduct a survey to establish the base loss costs for your property. While many carriers say they do not use the Verisk loss costs, they do use the data collected during this process. Inaccurate data can lead to incorrect construction classifications and no sprinkler credits given. This information will persist until another insurance company orders and pays for a new survey. Your prop

Lithium-ion batteries are the power source for most portable devices and electric vehicles. The technology allows for a powerful power...

In the world of “only pay for what you need”, shopping for insurance has taken on a new feel. The decision making about coverages and...

As a condominium unit owner there is a specific insurance form for you. The HO-6 policy is for unit owners. It combines both property and...

The electronic picture frame was a Christmas present. It was made in China. Is this safe to plug in and leave powered up 24/7?  That...

Social media and the news feeds are full of stories with insurance companies cancelling policies. This headline makes for a strong click...

The ongoing wildfires in southern California have highlighted this hazard and the tragic results brought international attention. The...

The insurance industry has a long history of being reluctant to pay for claims related to water damage. Claims of water damage can be...

Fire sprinkler systems need your attention to prevent a freeze event that can either impair protection or cause water damage. As winter...

Lithium-ion batteries have become the standard power source for most portable devices. The technology allows for a powerful power source...

Most homeowners’ insurance policies focus on the replacement value of the home itself. There are numerous tools used by insurance...

Why you need an insurance agent...

Winter can be a tough season on your home or business. Some preparation can make your season warmer and without the frozen pipes, ice...

The Trends Data from the National Fire Protection Association (www.nfpa.org) shows that cooking is the leading cause of both fires and...

There are many circumstances where you may live in a building that you do not own. In these spaces you will have your belongings and you...

The Condo Association The condo association policy will generally cover the shell of the building including roofs, balconies, decks, and...

Condominiums are a unique environment for insurance purposes. While you may own your unit and have your own insurance policy, you are...

Smoke detectors entered the codes in 1971. Smoke alarms were to be installed on the main floor of the residence. In the early 1980’s some...