Frees Advice

Prevent Water Damage at Home

Posted on May 6, 2019 by Taylor Payne

If the rubber hose on your washing machine fails, it can cause significant damage to your home. If that leak goes undetected in the basement or another room that you might not regularly visit, the accumulated water can cause potentially catastrophic damage, from moldy walls to warped floorboards. The smart technology in water sensor systems can help quickly alert homeowners of potential leaks and prevent…

Spring Home Maintenance

Posted on April 22, 2019 by Taylor Payne

The milder days of spring are a perfect time to do a thorough spring cleaning and perform home maintenance. After a long winter, it is a good idea to spend time on preventive measures to help maintain your home and property throughout the year. Tasks such as cleaning out your gutters, checking for dead trees and branches and cleaning and inspecting home mechanical systems, such…

Rental Cars: Buy The Insurance?

Posted on April 1, 2019 by Taylor Payne

This is one of our most common inquiries, but like with most questions in insurance, there is no simple answer. Renting a car on vacation can be one of the most confusing issues because of the exposures, rental contracts, and driving “territories.” The simplest answer is to buy the coverage. Not satisfied with that? Read on.

Let’s start with the easiest question first. Do…

Roof & Siding Matching

Posted on March 19, 2019 by Taylor Payne

This additional homeowners endorsement, available with Travelers and Hanover, can cover the cost of replacing undamaged siding when it can’t be matched. Contact us to add this important coverage to your homeowners policy.

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Spring Forward with Daylight Saving Time

Posted on March 4, 2019 by Taylor Payne

Daylight Saving Time begins this Sunday, March 10th at 2AM. Be sure to set all your clocks forward one hour!
Why Daylight Saving Time?
According to the New York Times, “the reason the United States and many other countries, mostly in the West, shift to daylight saving time is contentious and confusing, and some of the more popular explanations are not grounded in reality. (It…

Preventing Frozen Pipes

Posted on December 4, 2018 by Taylor Payne

Frozen pipes can present an invisible threat – one that you might not recognize until the weather starts to warm. By then, the water damage can be significant and costly. Fortunately, keeping your home warmer, at a consistent temperature, and better insulated can help protect your pipes from freezing this winter.
Which Pipes Are Most at Risk?
Pipes that are most exposed to the elements, including…

Cyber Monday & Online Safety

Posted on November 26, 2018 by Taylor Payne

I remember a time when things were simpler. Phishing was what you did with your dad and granddad and, if you were lucky, it meant you had a delicious dinner that evening. No? Phishing is when nefarious people pretend to be legitimate business and cheat people. The use of what appear to be real emails from real companies bombard us all. The allure of these…

Claims Payment Process

Posted on November 15, 2018 by Taylor Payne

After a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! You may get multiple checks from your insurer as you make temporary repairs, permanent repairs and replace damaged belongings. Here’s what you need to know about claims payments.
 

The initial payment isn’t final
In most instances, an adjuster will inspect the…

Space Heater Safety

Posted on by Taylor Payne

Portable electric space heaters can be a convenient source of supplemental heat for your home in cold weather. Unfortunately, they can pose significant fire and electric shock hazards if not used properly. Fire and electrical hazards can be caused by space heaters without adequate safety features, space heaters placed near combustibles, or space heaters that are improperly plugged in.

Safety should always be a top…