As independent insurance agents here at MVR Insurance Agency, we spend a lot of time helping clients navigate unexpected situations. But lately, one trend has been coming up more and more—and it’s catching homeowners completely off guard. A recent case involving State Farm highlights the issue: a homeowner was told to replace her roof at a cost of roughly $20,000
Heavy rain, storm surges, hurricanes, and other severe weather events can lead to devastating floods that cause extensive damage. After a flood hits your home or business, you’ll want to assess and repair the damages as soon as possible. Record the date and time the storm hit. This can help if your area was declared a state of emergency. Although
Just because you run a small business, doesn’t mean you’re beyond a hacker’s notice. Small businesses often hold the same types of sensitive customer information as larger enterprises. That, combined with their perceived lack of cyber security knowledge and resources, makes them an attractive target to hackers. According to a recent SBA survey, 88% of small business owners felt their
When you get into a car accident, there are certain steps you may want to take in order to help make sure everyone is safe, to follow the law and to get the insurance claim process started. According to the Insurance Information Institute, the following steps may help guide you through important decisions you need to make if you’ve been
Inspections are among the most important aspects of purchasing a new home. If you don’t thoroughly evaluate the property before signing the contract, you could take on a money pit of sorts – and one that ends up being far more expensive than the agreed-upon sale price. Here are 10 tips to help avoid unpleasant surprises with your new home:
With record inflation impacting almost every corner of the economy, it’s no surprise that the insurance industry must also raise rates to cover the increasing costs to repair or replace damaged cars and homes. Unfortunately, personal lines policyholders have been hit directly by many of the drivers of high inflation. Supply chain issues kicked off a myriad of increases in
Why Do Contractors Need Insurance? Contractors need insurance to protect their business assets from unexpected injuries and unintended damages. When comparing the cost of insurance against the potential for time consuming and costly litigation, an insurance policy will always be the more affordable and secure option. What Kind of Risks Do Contractors Face? No matter the size of the operation,
Floods are the most common natural disasters that can happen anywhere. Floods have accounted for more loss of life and property than any other type of hazard or severe weather. Unfortunately, one of our major properties that we cannot keep away from the weather is our cars and they are not very flood-resistant. Not only do floods leave cars covered
Whether for the Fourth of July, or any celebration, many dog owners deal with howling, barking, and anxious dogs during fireworks. The good news is that there are steps you can take to help your dog from freaking out during fireworks. Keep your dog away from fireworks. Create a safe haven for your dog in the basement or in their
Power surges have always existed, but the need for effective whole house surge protector installation is greater than ever. Did you know some of the largest power surges come from within your own home? It’s not always thunderstorms or other external activity. A power surge occurs when the voltage exceeds the normal flow of electricity. Unexpected voltage surges may have