Quality installation is a core part of the roofing equation. Our agency recommends these steps for choosing the right roofing professional.

• Check for a permanent place of business, telephone number, tax I.D. number and, where required, a business license.
• Request verification of professional liability insurance.
• Look for a company with a proven track record; ask for and check client references and request a list of completed projects.
• Verify whether the contractor is properly licensed or bonded.
• Insist on a written proposal. The proposal should include complete descriptions of the work and specifications, including approximate start and completion dates and payment procedures.
• Check to see if the contractor is a member of any regional or national industry associations, such as National Roofing Contractors Association (NRCA).
• Call your local Better Business Bureau to check for any complaints that have been filed.
• Have the contractor explain his project supervision and quality control procedures.
• Carefully read and make sure you understand any roofing warranty offered; watch for provisions that would void the warranty.

Remember, price is only one criteria for selecting a roofing contractor. Professionalism and quality workmanship also should weigh heavily on your decision

When you have a home with special features and adaptions, it becomes essential to consider how this impacts your home’s value. It can also impact your home insurance needs. For those who have a loved one living with a disability or unique needs, it is important to consider the value of added features to your home. Your basic home insurance policy should provide ample protection. However, it will only do so if it offers enough overall protection. Here are a few things to consider.
 
What Features Does Your Home Have?
 
Many times, those who are living with disabilities or unique needs have a variety of equipment to provide support. You may need a solution, for example, to help you with moving from a bed to a wheelchair. You may have a specially designed shower or large ramps outside of the home. In some situations, property owners have mobility solutions built around and into the home, such as systems to transport a person from one floor to the next. Many of these are quite expensive. Determine what extra features you have. Look for specific items that are very valuable or would be costly to replace. These are the specific items you need to take into consideration. You want to be sure your home insurance policy covers these highly valuable items.
 
What Does Your Home Insurance Cover?
 
Most often, home insurance covers the contents or personal property in your home. However, these policies limit that coverage overall and per item. This may mean that some high valued items do not have enough protection. Let’s say you have a wheelchair system that helps with elevating a person into a bed. The system may cost thousands of dollars to replace.
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You want to be sure your home insurance can help cover the loss if an incident like a fire occurs. To do this, call our agency. Let us help you determine the value and amount of coverage you have. Then, we’ll find out if there is a per item limit.
We will talk about the types of items you own as well as the cost to replace them. Then, we may recommend an endorsement or add-on level of coverage for these items. This is not always necessary. But, in any case, our agency should know about the valuable items you have at home to make sure you have protection. 
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​We are your One-Stop Shop for all your Personal Insurance needs
Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
So, let us do the searching for you for free! Call our office for a Quick Quote or visit our website for all your insurance needs.

Insuring a home for its real estate value rather than for the cost of rebuilding. When real estate prices go down, some homeowners may think they can reduce the amount of insurance on their home. But insurance is designed to cover the cost of rebuilding, not the sales price of the home. You should make sure that you have enough coverage to completely rebuild your home and replace your belongings—no matter what the real estate market is doing.
​A better way to save: Raise your deductible. An increase from $500 to $1,000 could save up to 25 percent on your premium payments.
This is one of the most common home insurance mistakes people make, along with a suggestion to avert that pitfall while still saving money (we call them, “better ways to save”).

​Nuestra agencia es única porque no se limita a un solo tipo de proveedor de seguros, sino que ofrece a los clientes las mejores ofertas de muchas compañías de seguros diferentes. De esta forma, los clientes tienen acceso a ofertas de múltiples operadores, todo en un solo lugar.
¡Entonces, permítenos buscarte gratis! Llame a nuestra oficina para obtener una cotización rápida o visite nuestro sitio web para todas sus necesidades de seguro.

​Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
So, let us do the searching for you for free! Call our office for a Quick Quote or visit our website for all your insurance needs.

​Our agency is unique because it does not simply stick to one kind of insurance provider but brings the clients the best deals from many different insurance carriers. In this way, clients have access to offers from multiple carriers all in one place.
So, let us do the searching for you for free! Call our office for a Quick Quote or visit our website for all your insurance needs.

En un accidente automovilístico, le preocupa primero su seguridad y, en segundo lugar, su vehículo. Probablemente, lo último que tienes en mente es proteger tu identidad. De hecho, una encuesta reciente de la Asociación Nacional de Comisionados de Seguros (NAIC, por sus siglas en inglés) sugiere que, después de un accidente, muchos estadounidenses realmente no saben qué información deberían compartir con el otro conductor.
Las leyes estatales varían, pero en la mayoría de los casos solo necesita proporcionar su nombre y la información del seguro del vehículo, que debe incluir el nombre y el número de teléfono de su proveedor de seguros. Compartir información personal como su dirección y número de teléfono puede poner en riesgo su privacidad e identidad. Sin embargo, si otro conductor no puede proporcionar la propiedad del vehículo y / o la información del seguro, es apropiado solicitar su número de teléfono, dirección y número de licencia de conducir.
Nuestra oficina estará encantada de darle más consejos y una revisión gratuita y sin compromiso de todas sus necesidades de seguro.

In an automobile accident, you are concerned first about your safety and secondly about your vehicle. Likely, the last thing on your mind is protecting your identity. In fact, a recent survey by the National Association of Insurance Commissioners (NAIC) suggests that, after an accident, many Americans do not really know what information they should share with the other driver.
State laws vary, but in most cases you need only provide your name and vehicle insurance information, which should include the name and phone number of your insurance provider. Sharing personal information such as your address and phone number may put your privacy and identity at risk. However, if another driver is unable to provide vehicle ownership and/or insurance information it is appropriate to ask for their phone number, address and driver's license number.
Our office will be glad to give you more tips and a free no-obligation review of all your insurance needs.