Answers to 8 common storm related homeowner insurance questions.

Q. My home sustained damage to its exterior due to a windstorm. What should I do until the Claims Representative arrives?

A. Your Homeowner’s policy has a provision for making temporary repairs. You should take necessary steps to protect your property from further damage. You may have tarps installed on the roof, siding, or broken windows to protect the interior from water damage. A contractor may be hired to complete these repairs. These costs are covered.

Save on commercial auto insurance in the off season

Ever mowed a lawn in January? Or plowed a snowy driveway on a hot July day? If you own and operate a seasonal business, chances are you aren't working in the off-season, so the insurance you carry should be different than what you carry in-season.

Leading commercial auto insurers like Progressive offer seasonal insurance for businesses like landscapers, snowplow drivers, ice cream truck owners, and more. These coverages allow you to customize your commercial auto insurance based on when your business is running on all cylinders — and when it's not.

Four steps to stay safe if your car breaks down

Cars don’t last forever. In fact, occasional mechanical problems are inevitable.

April is National Car Care Month, which is an ideal time for a check up. Take your car to a professional – or brush up on the basics of auto mechanics. Some things to check are the oil, brake fluid, windshield washer and coolant levels, tire pressure, belts and hoses. Also, look under the car to check for any leaks.

Ice Dams

What Are They?

Ice dams can form on roofs in the winter months and can result in costly water
damage to the interior of a structure. The ice dams form when water freezes on a cold spot on a roof, usually at the eaves. Water that pools behind the ice dam can eventually work its way through the roof covering into the structure.

What Causes an Ice Dam?

Three conditions must be present for an ice dam to form:

Road Rage - Stay in control and stay safe!

Aggressive drivers – drivers who tailgate, cut others off, run red lights, honk their horns, yell or make obscene gestures – are a danger to themselves and others. If you are an aggressive driver, or the victim of one, your safety and that of your passengers and other people on the road is seriously compromised.

Stress from such life situations as problems at work, the loss of a job, a divorce, or the death of a loved one can trigger road rage, even in a person who normally practices safe driving habits.

Umbrella Insurance

For anyone who would like an easy to understand description of umbrella insurance and what umbrella insurance policies offer listen to these segments from American Public Medias Marketplace Money show.

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