There is no doubt that winter is upon us. We try to stay warm while arctic blasts bring freezing temperatures to the region along with severe cold weather and even some snowfall resulting in icy conditions from melting and freezing. Such extreme weather can damage homes, and one major risk is frozen water pipes.
Even if you didn’t take steps to protect your pipes before winter set in by applying heat trace tape and insulation, draining hoses and outdoor pipes, sealing cracks, etc, there are still things you can do to try to prevent frozen water pipes in your home. This article from ErieSense.com (February, 2014) offers advice to help during this severe winter weather. See: “I didn’t freeze proof: can I still protect pipes?”
The Insurance Institute for Business and Home Safety offers the following tips to keep in mind when it comes to frozen pipes.
If, despite your best efforts, your pipes freeze, the Insurance Information Institute offers this advice:
The Insurance Information Institute tells us that standard homeowners policies will usually cover most of the kinds of damage that result from a freeze. For example, if house pipes freeze and burst or if ice forms in gutters and causes water to back up under roof shingles and seep into the house. You would also typically be covered if the weight of snow or ice damages your house. They advise checking with your agent or company so you’ll be sure what your policy covers.
Here at the Daniel C. Howley Insurance Agency, we are always glad to assist you when you have insurance questions or wish to discuss your insurance coverage. Why not contact our office at your convenience or arrange for a no-obligation policy review right here online?
No matter how much you might relish holiday gift giving and the shopping that goes along with it, you probably also wonder if your mother in law will re-gift or exchange the coffee maker you stood in line to purchase or if uncle Harold will really appreciate yet another reindeer tie. So why not try something different this year?
With a little thought, you can give an experiential gift that will allow the recipient to make memories of their own. Who wouldn’t want the chance to do that? Depending on your budget, your gifts might include a night at the theater or a special sporting event, a certificate for a few rounds of golf at that new course in town, a voucher for a day at the amusement park… you get the idea.
Aside from saving you endless hours in busy shopping malls, here are a few other benefits you might find worthwhile…
Most tickets and gift certificates just slide into a greeting card which is easier for you and better for the environment.
Whether or not the experience you provide includes you directly, your recipient will remember you as a part of their experience much longer than they might remember who gave them those expensive chocolates.
When you give experiences, there is no duplication and no chance for wrong style, color or size. Assuming that you know your recipient’s interests, they’ll enjoy your gift even if they have had the same experience before.
With the current trend among Americans to save money and live more simply, many are moving to smaller living spaces with more sparse surroundings – valuing experiences over “things”. Consequently, those gifts you spent time buying and wrapping might soon be languishing in a storage locker collecting dust.
One of the most precious gifts you can give to yourself and your family is the peace of mind that comes with Life Insurance. It is truly a gift of Love. Knowing that the family will be financially safe in the event of your death is a powerful experience.
Here at the Daniel C. Howley Insurance Agency, we are prepared to answer all your life insurance questions and to help you explore the many policy options available.
We wish everyone a safe and happy holiday season.