Monthly Archives: October 2016

The Importance of Having Your Roof Inspected in the Fall

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The majority of homeowner’s insurance claims for roof damage are filed in the winter months. This is because winters can be rough on your roof. having your roof inspected in the fall months can help minimize the likelihood that you will encounter roof problems this upcoming winter season. Here are a few ways winter can wreak havoc on your roof.

Rain

Rain can seep in your roof where there are missing or damaged roofing shingles or tiles. This can cause a roof leak that can cause a significant amount of damage. A roof inspection can catch this problem so you can repair it.

Snow

Large amounts of snow can build up on your roof and put weight on your roof. Clearing the snow routinely can help prevent this problem, as can having your roof inspected. If your trusses are weak, due to age or past roof problems, a new roof may need to be placed before the winter months hit.

Ice

Ice can be damaging to your roof. It can cause your roofing materials to contract, which can cause them to split or crack. A roof inspection can find damage from last winter and repair it, so the problem does not worsen this winter.

Winters can be rough in Bethlehem, PA. And unfortunately, this can put a large burden on your roof. A roof inspection can minimize the chances of roof problems, but cannot prevent them altogether. As such, reviewing your homeowner’s insurance in the fall is a great idea. If you would like to get quotes for a new homeowner’s insurance policy or learn about the coverages on your existing policy, contact the Saucon Insurance Agency today. We can help with your homeowner’s insurance needs.

 

Are Firearms Covered by Home Insurance?

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The people of Bethlehem, PA are proud of their right to bear arms. This has been an issue during the election year with the attention from the national media, but it isn’t an issue purely for political reasons. Firearms also play a role in home insurance. When homeowners are shopping for policies, it is important for prospective customers to ask how firearms will impact their home insurance premiums. Saucon Insurance has some key details below.

First of all, guns are expensive items. It is important for homeowners to insure the valuable items in their home under extra personal belongings protection. This includes furniture, jewelry, and firearms. In this respect, owning firearms will slightly increase home insurance rates because they must be insured by a personal belongings rider under the home insurance policy. This rider will also pay to replace the firearms should anything happen to them inside the home.

In addition, the home insurance policy should add liability protection. For example, if a criminal breaks into the home, steals the firearm, then injures someone using the firearm, that person could potentially file a lawsuit against the owner for not securing the weapon. Due to this additional risk, home insurance rates could increase with the presence of firearms. On the other hand, this policy will add liability protection if anything happens as a result of this firearm. Do not try to hide the presence of firearms from insurance companies because this extra liability protection is essential to protecting the owner of the home and firearm from a lawsuit. Make sure this liability protection is included in the home insurance policy.

People in Bethlehem, PA need to understand the intricacies of the home insurance policies, particularly when it comes to the presence of firearms because they are both valuable and dangerous. Don’t be surprised by home insurance rates. Ask how the policy changes with the presence of absence of firearms. Contact Saucon Insurance for information on a home insurance policy today.