Archive for the ‘Landscaping’ Category

Seasonal Tasks and Preps

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CWF.Lakeview cem 1 10.15Each season comes with joys, events and a list of things to do while it’s here.  Fall is no different with its beautiful colors, fairs, harvest bounty, Thanksgiving, as well as changing temperatures, hurricanes, tornados, early freezes and the ever possible nor’easter with howling winds and driven snow. The gardens must be closed, outdoor equipment put away and the house gotten ready because we know winter is not far behind.  For us hardy New Englanders, we take these changes in stride; after all, we have chosen to live here. (Though after last winter, we are asking Santa for a milder winter and are praying to the weather gods for mercy this year!)Roof Ice

While we would love to be able to help ALL of you with your fall and winter tasks and then share a favorite beverage, the best help we can offer is our insurance expertise in the form of information and education about insurance coverages that can help when even the best preparations fail.  That is what this newsletter, the monthly emails, our Facebook posts and mailings are all about.  We can’t call and personally speak to ALL our insureds on every topic, so we use the other avenues available to us to keep you informed.  We promise that we will be here if you call us with questions or need more information or a quote on coverages.

 So here are some seasonal tasks that are good loss control measures and may help you avoid a claim:

  1. Clean gutters well & make sure they’re working.  Nothing grows an ice dam like a clogged gutter!
  2. Chimney and furnace cleaning make for more efficient heating and help avoid puff backs.
  3. Trim trees and bushes near the house.  Wind & snow can make them bang against the building.
  4. Service your car, do winter preps, check tires, fluids and have an emergency kit in the trunk.
  5. Tune up winter equipment – snow blowers, chainsaws, and drain summer equipment properly.
  6. Have your rock salt, snow rake, shovels in place or easily accessible.
  7. Check for good weather seals around your windows and doors.  Reseal any cracks.
  8. Check your policy if you are hosting a party.  Make sure Host Liquor Liability is included so you will be covered should any of your guests get too “merry.”
  9. Cyber Liability is not just a new coverage – it is a necessary coverage with all the media devices that carry our information.  Adopt early; don’t wait till you are hacked.
  10. If you will need a generator should the power go out, NOW is the time to buy one.
  11. Make a reasonable budget for holiday giving and keep track of spending and NO GOING OVER!
  12. Change your passwords on all your devices and digital accounts to help prevent hacking.

Tis the Season: Hail and Wind Claims

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Hail Stones Sciencekids.co.nzThe recent storms have generated increased hail and wind claims.  For these and for future reference when dealing with property (home, auto, landscaping) repairs, we want to put some light on activity we are hearing about so that you don’t become a victim.

Hail events in the past have led to homeowners being visited by roofing contractors and company sales representatives; many of whom are from out of state. These contractors swarm affected neighborhoods, going door to door and leaving promotional fliers, cards and brochures at residents’ doorsteps. The company representative may offer to inspect the roof for hail or wind damage, repair the car dings and dents caused by hail or clean up and trim trees harmed in the storm.

Please be careful about any company that uses door to door sales tactics and please be cautious about allowing unsolicited contractors access to your home. Our best advice: if you did not call them, do not let them on your roof, in your car, or in your yard.  If they are not insured and they fall, you are liable.

If you are concerned about the potential for hail damage to your roof, look around your property. Hail does not only impact the roof. Is there damage to the shrubs, tree leaves, siding or vehicles? If not, damage to the roof is highly unlikely. If you are still concerned and wish to report a claim, call us and we will advise how your company will be handling your type of claim.

Hiring a local, well established, licensed contractor is the optimal solution should damage exist. Please make sure all estimates and contracts are in writing and NEVER pay up front for work to be completed.

 

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Fitts Insurance Agency, Inc.

2 Willow Street, Suite 102

Southborough, MA 01745

 

888-697-6542

508-620-6200

(f)508-481-0227

www.FittsInsurance.com

www.facebook.com/fittsinsurance

https://twitter.com/fittsinsurance

 

The Counter-Intuitive Rhythm of Homeownership

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drive-1232913-639x423When you own a home, there is a rhythm to its upkeep and care dictated by the seasons.  Unfortunately, that rhythm is counterintuitive; if it’s hot out, think winter prep; if it’s sunny, think waterproofing and roof issues; if it’s fall, think spring gardens.

2015 gave us an historic winter that was rough on everyone and on our properties.  Ice dams, water damage, roof issues, and damaged landscaping, were just a few issues we may have had to deal with.  But we are New Englanders and we learn from it and take action against a future repeat.  We know that summer fixes can help ward off winter wallops.  Now that summer is in full swing, here are a few things that might pertain to your home that are best done in summer to avoid problems when it is colder and harder to access the areas needing help.

Weatherstripping – you don’t want to loose heat (or cold air from your air conditioners either) through cracks and spaces in window sills and doors.

Landscaping issues – transplanting areas that are overgrown, pruning trees and shrubs that can break when laden with snow and ice, even planting for fall gardens.  Driveways can be sealed, sidewalk issues fixed and any areas that tend to pond or flood can be corrected.

Buy supplies now for heating – oil, wood, pellets are usually less expensive now than when they are in high demand during winter months.

Roof and chimney issues – easier to access and correct when leaves are not falling, rain isn’t a constant factor and snow and ice are not present.  Ice dams created havoc last winter, prepare for them now so as to avoid a repeat.

Heating Systems – now is a good time for boiler inspections, furnace tune ups and cleanings so they are ready to work well when the time comes for their heavy usage.

General fix ups – sagging gutters, tilted shutters, cracked windows, chipping paint, rusting railings, leaning fences, cracking foundations and stairs – with a little maintainence now, you can avoid bigger fixes (and more money) later as they get worse.

Here’s hoping the upcoming winter sets new records for the perfect amount of snow for winter sports but not enough to cause traffic issues or problems with our homes!

 

 

Fitts_logowithtag_JPG_60pct

Fitts Insurance Agency, Inc.

2 Willow Street, Suite 102

Southborough, MA 01745

 

888-697-6542

508-620-6200

(f)508-481-0227

www.FittsInsurance.com

www.facebook.com/fittsinsurance

https://twitter.com/fittsinsurance

Five Effective Landscaping Tricks That Protect Your Home From Burglars

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Roughly two million burglaries occur each year. Protect your home and family when you implement five landscaping tricks that don’t compromise your home’s exterior appearance or value.

1. Place Hostile Plants by Entryways Burglars typically target easily accessible windows and doors. By placing hostile plants loaded with thorns, briars and brambles near these entryways, you discourage potential burglars. Several hostile plants to consider include roses, holly, raspberries, bird’s nest spruces, needle bushes and Spanish bayonet.

2. Trim Shrubbery Near the House Overgrown shrubs, bushes and flowering plants look untidy, and they give burglars plenty of places to hide. They also prevent neighbors and anyone on the street from seeing suspicious behavior near your home. Protect your home when you keep shrubbery trimmed to lower than three feet tall all along the exterior of your home. Remember to trim plants away from the sides of your home too.

3. Use Noisy Ground Cover Burglars try to be as quiet as possible, but noisy ground cover around your windows and doors alerts you to their every move. Pea gravel or other crunching stones do the trick, and you can find these burglar deterrents in colors that match your existing landscaping.

4. Install Short Privacy Fencing Tall fences and tree barriers increase privacy, but they also obscure burglars. Install short fencing with an open design instead. If you already planted trees or shrubs, trim them so that the canopy starts at eight feet or higher off the ground.

5. Turn on the Lights Most outdoor landscaping includes lighting of some sort. Opt for strategically placed motion-activated lighting as you reduce your chances of being burglarized. Place these lights near all your doors and windows and along pathways. They frighten burglars away and warn you when someone walks near your home.

Your home’s landscaping adds beauty and value to your property. It also deters burglars. Talk to your insurance agent today and discuss additional landscaping tricks that deter burglars and protect your home.