Residents of Fort Payne, AL may not see a lot of heavy snowfall, but when it does come, it can throw them for a bit of a loop. The worst snowstorms in the state often create dangerous damage to a home. We at Attain Insurance have seen the following types of damage seriously impact our client’s home during a heavy snowfall.
Damage To Windows And Doors
Snowfall is often accompanied by ice buildup, and this buildup can easily collect on windows and door. As the temperature continues to drop, this will cause an expansion in the ice that can seriously damage windows and doors. One common problem is when ice hits windows that are heavily warmed from the inside: cracks and other damage can occur due to the temperature change.
Snow Can Collect On Roofs
During heavy snowfalls, snow will collect on a roof and put excessive weight on its surface. This weight will start to cause a strain on the roof that may cause it to buckle under the pressure. Collapsing roofs are possible in very heavy snowstorms, but are typically only a problem when the roof has been damaged by years of heavy snowfall.
Falling Trees And Power Lines
As snow collects on power lines and trees, they begin to strain under the pressure. Eventually they are likely to collapse, depending on the severity of the storm. A collapsing tree could fall on your home or even your car and cause serious damage. Falling power lines will not only take out your home’s power, but could cause a fire that could ravage your home quickly.
Protecting your home against this type of damage requires purchasing high-quality insurance from a company like us. At Attain Insurance, we can help you identify good insurance coverage and help find you a policy that works for your needs.
It is normal to get upset when you feel threatened, or in danger, because another driver is doing something wrong. Sometimes that escalates and rage ensues, and even at times there is violence, especially if there is an accident. Studies show that some people are more prone to losing their temper than others, but the results of losing your temper and getting into a road rage situation can be dangerous or even deadly.
One way to try to avoid road rage situations is to just not be the aggressor. If someone wants to get past you, or is following too close, pull over and let them pass by. Give the right of way, or back off, whenever possible. Remind yourself that there is nothing to be gained from winning an argument, or from getting back at someone while driving.
Another thing to consider is your own driving habits. Are you creating problems for other drivers by following too close, weaving out of your lane, or driving too fast or too slow? Make sure you are not the problem.
A third thing you can do is to work on controlling your temper. Take deep breaths, count to 10, or just try to mentally remove yourself from a situation long enough to start thinking clearly again.
A final thing, is to consider the other driver. Realize they are most likely not doing something wrong intentionally, and they are not trying to hurt you. They may just be having a bad day, so try to give them some slack as you would hope others would do to you.
Stay calm, and call us at Assure-us for all your automotive insurance needs. Whether you are looking for insurance, or just want to make sure you have the best possible coverage, call us today.
If you live in Fort Payne, AL, you should know about home insurance as it applies to you. There are a few things that many people do not know about home insurance in the state of Alabama that would actually be helpful to know.
For example, a lot of people actually do not know that home insurance does not only cover the physical structure of the home, but it can often cover belongings as well. Damage that is caused by broken appliances within the home can be covered in certain cases. If you have a mold problem that has been caused by a broken freezer where the ice has melted and leaked a large amount of water into the floor, for example, it is possible that your insurance company will actually cover the costs of any repairs or cleanup procedures that need to be done. However, you will need to talk to your insurance company about this, as policies vary on this particular point. It will depend on what type of damage it is and how it is classified, and if your specific policy actually covers this type of damage. You really should make sure to be familiar with your policy, as there is nothing that you can take for granted. In some cases, even when damages that occur within your house are not your fault, you will not be eligible for coverage for those damages. It is crucial that you read your policy and understand it well in order to avoid situations where you end up expecting to be covered and being disappointed.
If you have questions about home insurance in the state of Alabama, you should feel free to contact Attain Insurance for all of the answers you could need. The agents at Attain Insurance can answer all of your inquiries and tell you all of the information that can potentially help you in your situation in Fort Payne, AL.
You have a home checklist, and that’s great. There’s a lot to be done to ensure your home is ready. After all, you want to be sure you are ready for the cold weather, extra leaves, and the cooking and baking you have planned.
Instead of trying to do the entire checklist on your own, be sure to get some help.
Make a List
Don’t forget to make a list, otherwise, something is going to be forgotten. You will want to check on various features of your home, including:
There’s nothing wrong with hiring professionals to help you with the various things you need to do. In fact, it’s the preferred method in many instances. You may not know a lot about your heating unit and therefore it’s best to have a trained technician run the diagnostics.
Ask the Family
Don’t try and do everything on your own. Have one person schedule the contractors and another change all of the batteries in your smoke detectors.
Don’t Do it All Right Away
You may want to wait on a few of the chores until the weather starts to get a little cooler. This may help you to spread out some of the costs as well. If you don’t plan on using your fireplace for another month, the chimney sweep can wait.
Don’t Forget the Roof
Many people forget about having their roof inspected. While you can do this on your own, it’s best to call a roofer who will get up there and check to make sure all is in good condition.
Take the time to go through the list. Remember, this isn’t something you have to do in one day, nor do you have to do it all on your own.
Learn more about homeowners insurance in Fort Payne by contacting Attain Insurance today.
Most business owners recognize the importance of obtaining insurance coverage to protect their company against liability claims, property damage and injuries to their employees. However, many neglect to include the protection that business interruption insurance has to offer. Business interruption coverage can help save a company from financial ruin in the event it had to shut down temporarily due to an unexpected accident or disaster.
Importance of Business Interruption Coverage
Whether your business manufactures and sells a product or offers valuable services to the public, business interruption insurance is a must to protect your assets. If your business premises had to close down due to damage from a storm, business interruption coverage can protect you from financial loss as you make repairs.
Closing a business due to natural disaster, fire, accident or other calamity can be a tremendous setback for a business owner. In addition to losing income from lack of sales, temporary closure can stunt your company’s growth and prompt customers to switch to your competition.
Business interruption insurance covers lost income and operating expenses of your business during the time it’s closed to help compensate for these losses. This compensation can help you stay on your feet until you can reopen your business. By including business interruption coverage in your insurance package, you can be fully prepared for any eventuality that interferes with your business.
Who Can Benefit from Business Interruption Coverage?
Business interruption coverage can benefit most any small business in Alabama that faces the risk of closing temporarily due to a sudden or unexpected crisis. By calling or visiting one of our agents at Attain Insurance, you can get a better understanding of what this coverage has to offer. We can help you customize your business interruption coverage to suit your specific business needs.
Why should anyone attain insurance for their recreational vehicle or RV in Fort Payne, AL? Well, the state of Alabama is known for having a ton of RV parks and resorts – 110 of them to be precise. It also happens to be the state with the highest number of RV purchases and this number is continuing to grow every day. As you can probably tell, RVs are quite common in the state of Alabama. As a result, it is not only important to protect your investment in your RV, but it also happens to be a legal requirement to attain insurance for your RV.
What exactly are you protecting your RV against to justify attaining insurance for it? Well, the risks are very similar to those associated with owning or driving a car. These obviously include bad weather, accidents, vandalization, or even theft. Similar to car insurance, your RV insurance offers many levels of coverage such as liability, collision, and comprehensive insurance. The bare legal requirement for RV drivers is liability insurance, which protects you against any bodily damage or property damage that was caused by you if and when you are ever involved in an accident. However, it is important to realize that additional coverage may be available to protect your belongings as well as other things when you are using your RV as a home.
When asking yourself whether why you would need to attain insurance for you RV, just remember that it’s a legal requirement in the state of Alabama, just like any other vehicle on the road. It also provides tons of additional coverage. For more information, feel free to contact us with any questions that you may have about attaining insurance for your RV.
Let’s talk about the real chance of having flood damage. Attain Insurance wants to remind everyone in the Fort Payne, Alabama area that flood insurance is a separate insurance policy that every homeowner needs on top of any basic home insurance policy.
Not everyone home is in the U.S Federal flood zone. Most mortgage lenders will not agree that the homeowner insurance is adequate unless there also is an additional insurance policy that provides flood insurance for homes located in the 100-year flood zone.
Sometimes an extra flood insurance policy is better even if not required as part of the closing process of getting federal-backed or federally-insured loan.
- Flood Insurance is Always a Good Idea – It does not matter if only the mortgage lender requires this flood insurance coverage.
- Perceived Risk – The difference is the perceived risk based on the 100- year flood plan.
- Old Statistics are Not Reliable – Getting flood insurance is based on a statistical choice and not necessarily an accurate one.
Some people do not realize that regular home insurance, which covers such things as theft, fire, and property damage, does not cover damage caused by floods. Flood insurance is a separate insurance policy, which everyone needs to consider, even if not required by the mortgage loan.
Contact Attain Insurance today, so that a competent insurance agent can give you fantastic advice about your existing policy or a new home insurance policy plus a flood insurance policy that you are considering.
Attain Insurance is the “go-to” insurance agency in Fort Payne, Alabama and the surrounding areas to get the best deal and to be sure you have adequate home insurance coverage to protect your property, the valuable assets, and the people who live there.
Contact Attain Insurance today for all your home insurance needs,
Life insurance is a touchy subject for most people. Although many people see the value of having a life insurance policy, having a conversation about their death isn’t a priority to them. If you are like most people, delaying a conversation about life insurance can be a costly financial mistake. In fact, if you aren’t having the conversation about taking care of your final expenses, then it’s likely you haven’t considered what you would do in the event of the demise of other members of your family. Both conversations are necessary to secure a life insurance for your entire family.
Americans Aren’t Saving
Life insurance is a financial contract between you and your insurance provider. In the event of your demise, your life insurance provider will likely help your family cover the cost of your final expenses. It’s important for you to take steps now to ensure your family has the financial means to pay off debts you leave behind. In this day and age, life insurance is likely the best option to do so. In a recent survey conducted by MarketWatch in 2015, they discovered that only 62% of Americans had less than $1,000 in their savings account. With such little savings, and no life insurance, how would you cover your final expenses? How would you cover the final expenses of other family members?
Final Expenses Are Increasing
The Federal Trade Commission includes basic service fees, the cost of the funeral home’s staff, charges for the services, and cash advances as final expensive costs. Beyond that, you may consider the cost of medical bills as well. In fact, the median cost of a funeral per the National Funeral Director Association is $8,508 for 2014, an increase of nearly 30% from 2004. With the cost of funerals increasing and no savings, how will you cover the cost of a funeral?
Although it’s difficult to consider your death, and harder to consider the death of a child, you want to make sure you aren’t financially strapped if the unthinkable happens. At Attain Insurance, we offer a variety of life insurance policies you can choose between for your entire family. Our licensed life insurance agents can give you a quote for a policy that covers your entire family. Give us a call today, or visit our website for more information.
Now that the weather is once again turning to pleasant it is a wonderful time to get out, enjoy the outdoors and get some chores done at the same time. Spending a Saturday as the car wash has never been more fun or easier than right now.
- It’s a Great Way to Get Some Exercise – Washing the car is a fantastic way to get toned and tan all for free right in your very own driveway. If you make this a regular practice you will be astounded at all of the weight you can take off by getting out there and getting active. Now you have a clean buggy to sport around your new bod.
- Keeping Your Change in Your Pocket – Car washes can cost well over twenty dollars and this is not including detailing. Think of all the money you will save by doing it yourself!
- You Can Use the Products You Approve Of – You never know what the professionals use when you take the car in for a wash. Now you can use the products you trust on your car.
- Get the Family Involved – Make this a fun activity that the whole family can enjoy. Don’t be surprised if a spontaneous water fight ensues.
Now that you’ve given yourself the best deal on a car wash, find out how to get great automobile insurance at Assure-Us, a trusted and reliable insurance agency serving all areas in and around the North Miami Beach, FL area. Visiting our website at www.assureus.us ensures you will have access to a wealth of information regarding all insurance types. Spring, the time of new beginnings is the perfect juncture to reassess all of your car, and home insurance needs.
The biggest hassle when you are moving is packing up everything you own and then unpacking it in your new place. This process can take many people days, if not weeks of time and can be very stressful and frustrating. However, there are a number of packing tips out there that can make this process go much smoother and allow your move to be much more enjoyable. A few of them are listed below.
MARK ALL OF YOUR BOXES
Many boxes look the same and you will definitely lose track of what should go where during your move. So to help avoid this confusion of what is in each box, be sure to diligently mark them when you pack them up, both with the room the items inside belong in and also what is in each box. This little extra thing to do, will save you a tremendous amount of time when you are unpacking.
INSURE YOUR MOVE
Make sure you set up some form of home or renters insurance with a local insurance provider like Attain Insurance, who serves the greater Fort Payne, Alabama area. This way, you can rest easy knowing your items won’t be lost or stolen at any point during your move as you will have a good insurance policy covering you.
USE STRONG PACKING TAPE
There is no better way to lose items or have items damaged during your move than having a box rip open on you, letting all the contents spill out. To help avoid this happening, use the right packing tape when assembling your boxes or just to further secure your boxes. Use gaffers or gorilla tape, which is incredibly sticky and almost impossible to rip when attached to cardboard.