Month: November 2016

With so much news about hurricanes, wildfires, tornadoes and floods, we are becoming more and more aware of the unpredictable power of nature, and the indisputable importance of insurance.

Although we may forget about our home insurance policy for extended periods of time, we should examine it carefully at least once a year, in case we need to make an unexpected claim. It’s also a good idea to keep a photographic and/or videotape record of valuables (with copies saved off premises) to more accurately estimate the cost to replace important possessions, including:

• Furnishings and equipment
• Technical hardware, software and accessories
• Possessions, including books, art, antiques
• Documents and business materials
• Personal mementos, hobby equipment, tools, etc.
• Loss of time and/or revenue (for self-employed home office or small business)

Insurance should serve the purpose of providing good value while protecting material goods and looking after family needs. To prevent irreplaceable loss and enormous disappointment, investigate the details of your policy today, and make sure you fully understand the fine print.

You have no doubt heard this tip before: Always check references before you hire a mover, lawyer, decorator, contractor, or other home professional.

But for some people, picking up the phone and calling strangers to ask for a reference can feel awkward or even intimidating. Here are a few tips that can help:

• Call in the early evenings. This is the most convenient time for most people.
• Explain that you are checking references and that the professional or company you are considering hiring suggested you call.
• Ask if this is a convenient time to speak.
• Ask if they were satisfied with the services.
• Ask if there were any surprises with the final bill.
• Ask if they have recommended that professional or company to their friends?
• Thank them for their time.