Your Business – Property Can Be Replaced. Income? It’s Complicated.

A fire rips through your warehouse. Your inventory, tools, furniture, computers – it’s all gone or damaged. You’re devastated, but you discover your business insurance will help replace it all. Thank goodness. But wait…a property restoration company estimates your space ...

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4 Tips to avoid frozen pipes

Do you wanna build a snowman? You’ve seen the movie Frozen.  I think this is a safe assumption.  At this point, you would have had to exert significant effort to avoid it.  Or you would have to live under a rock.  Even if you’ve haven’t watched from start to finish, I’m ...

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12 Words You Should Never Say When Reporting a Claim

Reporting a claim You’ve had a car accident.  Your home has been vandalized.  A tree fell on your garage. You’re stressed out.  You may not even be sure if you’re hurt or not.  You’re panicked and unsure of what to do.  We’ve been ...

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How is Market Value different from Replacement Cost?

Have you ever wondered why your home or business is insured for an amount other than its re-sale value?  The amount of insurance you carry on the building itself is often different from its estimated retail value.  It even fluctuates slightly with the economy.  So why ...

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