Though many homeowners and building owners find cleaning their gutters once or twice a year difficult, it’s worth the effort. Gutters are one of your home or building’s primary defenses against flooding, mold growth, ice dams, and foundation damage. When…
As flooding and water backups become more common, many homeowners want to make sure they are covered for any kind of water damage. Homeowners are often surprised to learn how complicated water damage can be from an insurance perspective. Whether…
Whether you collect unique items as a hobby or you own expensive jewelry or artwork, it’s important to make sure these high-value items are covered by your homeowner's insurance policy. While your policy likely provides general, limited coverage for collectibles,…
From summer thunderstorms to tropical storms and hurricanes, Mother Nature has a way of keeping us on our toes—indoors and hoping the power stays on. Trees often provide the most visible indicator of a storm’s intensity, both during the event…
While finishing a basement can expand a home’s living space, this home improvement project carries additional considerations in the five boroughs. Other blog posts address New York City requirements for basement rentals. This article looks at general restrictions and uses for…
You can’t see it. You can’t smell it. Carbon monoxide is a silent killer that can invade almost any home or vehicle without warning. Every year, according to the Centers for Disease Control and Prevention (CDC), at least 430 people…
Brrr . . . It’s getting cold outside! Freezing temperatures can lead to frozen pipes and water damage in your home or building. Fortunately, you can take several steps to help prevent freezing pipes. Disconnect all outdoor hoses, and turn…
Your house is for sale, and real estate agents and prospective buyers are trooping through it. Maybe you’ve already moved, and your home is vacant. Are you insured if one of those prospective buyers slips and falls? What if they…
Some things (like the importance of quality service) never change... and that's a good thing. We came across an article written 19 years ago featuring our agency's dedication to quality service. All of our "Secrets to Success" still ring true,…
Space heaters can warm up a chilly room. They can save energy by allowing you to turn down your thermostat and only heat a small area. Unfortunately, they can also lead to tragedy. The Bronx fire that killed 17 people…