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Understanding Ice Damns, Do You Have the Right Coverage?

December 15, 2021 By Editorial Staff

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Understanding the Ice Damn

Making sure your home and property are protected is a safety net for your home when nature takes it toll. And if you live in Michigan, you know what to expect however, being prepared for the unexpected is the key.

Ice dams form when the snow melts on an upper, warmer part of a roof. The melted water then runs down toward the colder eave overhang, where it freezes. As the ice accumulates, it forms a blockage that prevents the snow to melt and flow off the roof.

The ice begins to back up under the roof shingles, where it melts again, soaking the roof sheathing. There, it soaks the insulation (rendering it much less effective) and can leak through the ceiling drywall below and into living space. In addition, large ice dams can be very heavy and can damage gutters and even present a safety hazard to people below.

There are measures you can take to help prevent ice damns from damaging your home and property.

However, in the case that damage does occur your homeowner’s policy should help protect you from costly repairs.

Do you have the coverage you need for your home and personal property? Complete Insurance Services in Keego Harbor can help. Our Personal Lines Department writes a full range of coverages for Michigan residents. We represent many excellent insurance companies that offer a variety of products to meet your individual requirements.

Michigan winters can be rough on a home, make sure you are protected with the right Homeowners Insurance. Whether you need homeowners’ insurance, auto insurance, life insurance, medical insurance, or business insurance coverage, there is a plan for everyone. Call and speak with an agent today for a Free No Obligation Quote for!

Filed Under: Insurance Coverage Tagged With: commercial insurance, homeowner's insurance, insurance, insurance coverage, insurance coverage add ons, insurance services in Keego Harbor, insurance services in Michigan, insurance services near me, Keego Harbor, Keego Harbor MI, Michigan, personalized insurance policies, residential insurance, types of homeowners coverage, umbrella policies

Tips to Prevent Frozen Pipes this Winter

January 25, 2021 By Editorial Staff

Frozen pipes can be more than just inconvenient; they can be downright expensive. With the potential to damage multiple areas of your home, frozen pipes are a nuisance to be avoided.

Frozen pipes occur due to three main reasons: sudden drops in temperature, inadequate insulation and thermostats being set too low.

What can I do to prevent my pipes from freezing?

While it’s still warm…

1.Prepare yourself. Be sure to note where your water shutoff point is, and relay that information to others in your household. In the event of an emergency, this will be the first step to stopping further damage.

Determine whom to call in the event of an emergency. While small bursts may be able to get by on a temporary fix – such as using temporary patch kits, which homeowners should also have – larger-scale breaks may require immediate repair.

2. Insulate your pipes. Exposed pipes located in your attic and crawl spaces are even more susceptible to freezing. Not only are these pipes more exposed and vulnerable to the cold, these locations also don’t receive a steady heat flow.

Use proper materials to insulate your pipes depending on where they’re located – there are different forms of insulation for interior and exterior use. Forms of insulation products include a pipe sleeve, heat tape or heat cable. You can also install fiberglass or foam board over exposed pipes in the attic, crawlspaces, basement, garage, cabinets and other high-risk, colder areas.

3. The hose goes. Your garden hoses should be disconnected, drained, dried and stored properly before winter. If you’re able to, shut off the water from inside to drain leftover water in the pipes that lead to the outdoor faucets.

4. Seal air leaks. Pipes are already at high risk to freeze when it’s cold outside – the last thing they need is excess cold air making its way inside. Seal all leaks located near pipes that are capable of letting cold air sneak in. Look for leaks near pipes, dryer vents, and electrical wiring, and seal them with caulk or insulation.

When the temperature drops …

5. Set your thermostat. Many homeowners keep the heat off to avoid the bill that comes along with it. But, if your home is not kept warm enough, it can contribute to frozen pipes – which are much more costly than a heating bill.

Don’t turn down the thermostat at night. While you might feel warmer overnight underneath blankets, your home gets colder as the exterior temperature drops through the night.

If you’re going out of town during the colder months, keep your heat on at a minimum of 55°F. You can also shut of your water while you’re away, but be sure the pipes are drained. If there are leaks or breaks while you’re away, and there is still a bit of water left in the pipes, at least the damage will be minimal in comparison to leaving the water on.

6. Use a space heater. Placing a space heater in close proximity to unprotected pipes can help keep them warm. Remember, the goal is merely to keep the pipes above freezing (31 °F); you don’t need to overheat them.

Pipes running along the exterior wall in the kitchen tend to be quite vulnerable. Open kitchen cabinet doors and place the space heater in front to generate heat inside the typically closed-off space. This can also be beneficial for pipes inside bathroom cabinets.

7. Let it drip, let it drip, let it drip. Running the smallest amount of water through your pipes could make all the difference in whether they freeze or not. In times of severely cold weather, let warm water drip from the faucets that are served by exposed or poorly insulated pipes.

Original article posted by Bloomfield Construction.

Filed Under: Insurance Coverage Tagged With: homeowner's insurance, insurance, insurance coverage, insurance services in Keego Harbor, insurance services in Michigan, insurance services near me, Keego Harbor MI, residential insurance, types of homeowners coverage, umbrella policies

Umbrella Polices, Should I Have One? – Insurance Services Michigan

September 28, 2020 By Editorial Staff

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Due to the no fault changes effective 7-2-2020, we have been writing more Umbrella polices. The reason is that more drivers will no longer have the unlimited medical protection, and also the new reform allows for lawsuits, even in the event that the other driver is at fault.

The Umbrella is a true excess policy providing coverage over your personal homeowner’s insurance, auto insurance, and any other recreational vehicles you own.

It can cover your vacation home, rental properties, boats, and other exposures you own. The question I hear is what limit of coverage should I carry? Umbrella start at $1,000,000 limits and go as high as $10,000,000.

Lawsuit payout can be huge. We have paid out $3,000,000 on a $5,000,000 umbrella in our office. There was a case where $8,000,000 was awarded for a vertebra injury after a simple fall from a porch.

The Umbrella policy does require you to carry specific minimum amounts of coverage on your homeowners and auto policies before the Umbrella policy kicks in. Coverage on your Umbrella policy is worldwide. An Umbrella policy includes Personal Injury coverages. Non owned Watercraft liability is included.

Who should carry an Umbrella policy?

You should, if you want protection from lawsuits and have a home, auto, or recreation vehicles, a boat, or any rental property.

If you need personalized insurance coverage, call us for a Free Quote! 248-682-1510

Filed Under: Insurance Coverage Tagged With: auto insurance coverage, benefits of umbrella policies, commercial insurance, insurance, insurance services in Keego Harbor, insurance services in Michigan, insurance services near me, Keego Harbor MI, residential insurance, umbrella policies, why you need an umbrella policy

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