Protecting Your Home’s Roof from Storm Damage

Without a roof, your house would not be home. A roof provides shelter, security, and protection from all outside elements. When your roof becomes damaged from those outside elements, like a tree falling on it during a storm or large hail puncturing through it, it’s important to seek professional help right away to prevent any further damage. But who do you call when something like this happens in the middle of the night or on the weekend? Is it considered an emergency? What are the common causes of emergency roofing repairs? Below, we will help answer these questions to provide you with knowledge, so you will know what to do if something like this happens to your roof.

What is considered an emergency?

If a roof is allowing water to enter the home, caving in, or looking like a potential hazard, then it most definitely needs to be repaired ASAP. In most instances, a roofing company in Columbia can address the issue right away with a temporary solution until the weather permits and the roofing company can map out a plan and schedule with you at the time to determine the exact issue and its costs.

What are the common causes of emergency roofing repairs?

There is a variety of things that can cause roofing emergencies. It is your job, as the homeowner, to react quickly as soon as you notice your roof’s damage. Here are the more common causes of roofing repair emergencies:

Rain- Rain, in general, should not cause any issues to your roof, but if it rains for a long period, the more it can affect your roof. For example; your roof may have an area that forms a crevice in which it will gather the rain for the total duration of the storm causing that area of the roof to weaken. If it becomes weak, the easier it is for holes and leaks.

Hailstorms – When weather conditions get severe and form into hailstorms, the hail in Columbia can cause major storm damage in a matter of minutes. You might not notice the damage during the storm, but for precautions after each hail storm, it’s best to inspect your roof to make sure the hard hail did not puncture the roof.

High winds – High winds can affect your roof because of the effects it can have on trees close to the roof. The high winds can knock over a tree into your roof and home, causing a large puncture to its form.

Who do you call?

You call a professional roofing company that provides a 24-7 emergency hotline. Do not call in a panic. The damage to the roof is already damaged. Once you call the roofing company, they will send over help to prevent issues from worsening. It’s also best to contact your insurance company to analyze what’s covered and what is not. Together, yourself and the roofing company can go over your coverage to determine a plan of action best for your roofing needs.

Term Life Insurance To Protect Mortgage

Are you considering term life insurance to protect mortgage loan you have on your home?

Many Americans hope for the day they own their own home. If just may be the single biggest investment of your life. But, it also depends on a steady income to pay your mortgage each month. If something happens to one, or to both income-earners in your family, it may be difficult to pay your mortgage. How would your family get by?

Buying a level term life insurance policy can provide your family with the money they need to make their mortgage payments if you’re no longer alive to support them.

Get a Free Quote for Mortgage Life Insurance

If you die, your family might not be able to pay the mortgage. With a level term life insurance policy, the death benefit would provide the money necessary for your family to make the mortgage payments, and stay in their home.

There is mortgage protection insurance available, but many people choose term life insurance instead.

Why Should You Choose Term Life Insurance Instead of Mortgage Insurance?

A common approach to providing money to pay off a mortgage in if you die is to buy term life insurance. Term insurance offers you much lower premiums, but the amount of life insurance protection doesn’t decrease over time, as it usually does with mortgage protection insurance. That’s a big benefit for your family.

Which Type of Term Life Insurance to Choose?

The least expensive type of term insurance is decreasing term life insurance. The rates remain the same over time, but the coverage amount decreases in line with your outstanding mortgage. If you only want protection for your mortgage, then decreasing term may be your best option.

Another option is level term life insurance. With level term your rates are guaranteed to remain the same over the policy term, and your death benefit remains the same, so your family has more proceeds available than just being able to pay off your mortgage.

Top Pick – JRC Insurance Group

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Servicing Your Air Conditioner Before Summer

If summer arrives as quickly as spring did, we’ll all need our air conditioners soon. Cold air is a modern luxury that many of us don’t want to do without during the hot summer months. Unless we properly maintain our air conditioning units, cool air may be a luxury we go without this summer. Here are four reasons to perform yearly maintenance on your air conditioner.
Efficiency: Time, age, and lack of use during the cold months cause air conditioners to wear down. Air vents and filters become clogged with dust and other debris. The result is a reduced ability for your air conditioner to circulate cold air throughout your house. In many cases, cool air may never reach the rooms in your home that are farthest from the unit.

Energy Costs: If your air conditioner isn’t running at maximum efficiency, you’ll be spending a lot more money this summer. If your Salt Lake City air conditioner is unmaintained, it uses more energy and runs longer than normal in order to cool your house. Added energy use and longer run times are most noticeable when it comes time to pay your electric bill.

Air Quality: In addition to cooling your home, your air conditioner is responsible for circulating air. Without proper maintenance, your air conditioner can’t do this effectively. Poor circulation leads to stagnant air as dust and moisture accumulate. Increased dust buildup occurs when air filtration systems are full or clogged and no longer filter air.

Safety: Poor air quality isn’t the only health concern caused by bad air conditioners. Each year, thousands of U.S. house fires are caused by air conditioners that are in a state of disrepair.

Each of these problems is preventable with a straightforward solution, annual maintenance. Hiring a certified technician to inspect and repair your air conditioner probably isn’t another bill you want to pay. However, yearly maintenance pays for itself in three ways, reduced energy costs, more efficient cooling, and increased air conditioner lifespan. A small investment now leads to big savings later.

It was mentioned in the beginning that summer is right around the corner. Don’t wait until the Salt Lake City summer hits to have your air conditioner inspected. Summer is the busiest time of year for technicians, and that means their availability goes down and their costs go up. Have your air conditioner inspected this spring and ensure that it’s ready to keep your house cool before the summer heat hits.