Keep the Rain out and Prevent Flooding

April 24, 2019

Preventing Flood

  When water runoff overwhelms your drainage system, you get flooding. Many towns in Maine are in extreme flood zones, while others are in moderate. At any time though, your home can flood due to excess rain amount. This Spring is no different. We have had many rain storms following a snowy winter. Thus, river flooding and ground saturation is high.  How to prevent flooding in home? Check all drainage around the outside and inside of your home. Do you have gutters? Make sure they are clear to help move the water where you want it to go.  Make sure you have proper grading of the soil around your home so the slope will deter water from your home. check the basement for slop and drainage too. If everything is level, you will not have drainage if water gets into the basement and you will need a sump pump to move the water. A sump pump will be placed below the basement level and will pump water from inside the home to outside. Always make sure you have a battery backup or generator in case the electricity goes out.  When municipal wastewater systems get stress there may be issues...

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Do I need Insurance for my Christmas Gifts?

November 27, 2018

jewelry insurance

  They are going to be so excited about the expensive gifts when they open them, don’t forget to protect them in case something happens! Things do happen. Not always on purpose, but things do happen.  What if you lost one of the new diamond earrings your husband bought you? What if your new computer was stolen out of your car?   Things you should know about insuring gifts. Contact your insurance agent to learn what is covered under your current policy and what might need to be added to the policy. If the gift is given to someone you live with, the simplest way to insure it may be by adding to your homeowners or renters coverage in your policy. Standard policies cover belongings which are damaged or stolen, but valuables such as furs, art and jewelry, are typically limited. This is called a “scheduled” rider, floater or endorsement to your policy. You will need the bill of sale or certified appraisal to cover the gift.  Ask if your new gift will gain value. Art and heirlooms that appreciate in value would be best under special coverage or rider on your policy. You will need an appraisal every...

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6 Easy Ways to Avoid getting your Packages Stolen from your Doorstep

November 21, 2017

Avoid your packages stolen

  96% of Americans shop online. The stats are staggering on how many people shop online and where they shop. As we shop more and more online, we must consider the delivery of our packages. According to package theft statistics, each year more than 23 million Americans have their packages stolen. We’ve seen it on tv, a homeowner gets a text alert from his home security that someone is at his door. While watching the video, he can see someone go up to his door and take his packages running away. Because he has the video and can support his claim, he gets a full refund.   You should always look over the fine print when ordering from an online retailer to make sure they have a delivery guarantee. If not, you may be out of luck. What can you do to avoid your packages from getting stolen? Install a security camera at the front door of your home. Most break ins happen to the front door of your home. A security camera will also serve as a deterrent to thieves. Click here for a simple chart to help you determine the best security system for you home.  Have...

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Fall Home Maintenance Checklist

September 25, 2017

Home maintenance checklist

  Fall is the best time to take care of your Fall home maintenance before the colder temperatures arrive. The small things can make a big difference, but they are also hard to remember. From looking over the exterior of your home to the Fall maintenance of your heating system, these things will help reduce future headaches and money. Here is a quick Fall Home Maintenance checklist that takes you from the top to the bottom of your home. Outside Fall Maintenance     Roof  Inspect for wear and tear. If shingles are lifting up, crackling or broken, replace them.  If any moss is growing on the shingles, clean it off. Make sure they are not broken down under the moss. Check flashing around chimneys and pipes. Look for any areas that may leak.  Trim all hanging branches from trees to prevent potential dropping on the roof. Gutters Clean gutters and downspouts as leaves pile up. Look for any wood rot and repair. Inspect all drainage areas to make sure things are clear and not pooling. Windows and Doors Inspect trim for any holes that may need to be caulked. Replace screens with storm windows.  Check all seals for...

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How to Protect Your Home from Summertime Burglaries

July 19, 2017

Protect Your Home from Summertime Burglaries

It’s an unfortunate truth: summer vacation season is also prime break-in season. Both here in Maine and throughout the United States. Learn how to protect your home with these great tips. In 2014, the U.S. Department of Justice published a report that identified a recurring pattern in the number of home burglaries that occurred throughout the year. From 1993 to 2010, national crime statistics showed that the rates of home burglaries rose and fell at the same time(s) each year. “For household property crimes [our] data indicates that there are seasonal patterns in household burglary and larceny, with higher rates in the summer and lower rates during other seasons of the year.” (Seasonal Patterns in Criminal Victimization Trends, June 2014 U.S. Department of Justice|Office of Justice Programs|Bureau of Justice Statistics) On average, the research found that throughout the country, household burglary rates were approximately 11% lower in winter then they were during the summer months. ‘V-A-C-A-T-I-O-N’ Spells Opportunity for Thieves During the months of June, July and August, a combination of several factors – unique to the season – often create the ‘perfect storm’ of conditions that can give criminals both more opportunities and easier access to your home....

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How to Survive Graduation Day

June 9, 2016

It’s an exciting day for students and families seeing your son or daughter on the stage, all dressed up and smiling from ear to ear. So many dreams are being made. So many plans for the future are being discussed. So how do you make it easier emotionally and physically? Here are 8 tips on Surviving Graduation day: Arrive early to the venue. Your child will most likely have to be there at a certain time, but you should arrive at least an hour early to secure good seats to view where your child is sitting on stage. Eat and drink plenty before you go. Some graduations will take an hour and a half and others can go as long as 4 hours. The later being colleges, but some high school graduations could be 2 plus hours depending on the number of students. Bring tissues. It’s a happy day, but you don’t know what your emotions will be like on that day. So proud and excited for them, but the memories of when they were younger will pop into your mind. Bring your camera and phone. You don’t want to risk missing this exciting time. I left my phone...

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5 Easy Steps and Apps to create a Home Inventory

January 15, 2016

It’s hard to remember every little thing you own in your home. Things are given to you or your buy them, then you put them aside for when you may need them. What would you do if you had a fire in your home and everything was destroyed? Having a home inventory will help you remember everything you have lost, will help with any insurance claims you may file and help verify losses for your income tax return. To start a home inventory: 1. Decide what will make it easier for you to remember, e.g. photos, lists, sales receipts, etc. There are many ways to record the inventory too, e.g. photos with written descriptions, video recorded on a thumb drive or files created with both photos and video saved onto the cloud. 2. Start with one room. Take a picture or video of the room. Make sure you open all cabinets and drawers so you capture everything in the picture. 3. List all items in the picture or describing what they are, including the make and model and where/when you purchased them. 4. If you have sales receipts, put them with this page. You will also need to know...

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5 Tips To Stay Safe During The Holidays

December 23, 2015

Having a fun and safe Holiday season may be the last thing on your mind, but it’s what everyone wants. Here are some quick things to keep in mind during this festive Holiday season: Tree Safety. Choose the right tree for looks but also quality. Make sure your tree is freshly cut so it will last longer, but also not dry out. Look for needles that do not fall off the branches or break. Live trees need to be watered every day. Christmas tree fires are not common, but when they do, they tend to be more serious. Most are caused by electrical problems. Keep away from electrical outlets and any heat source. Home Safety. When people are entertaining, more cooking is taking place and more distractions are too. Unattended cooking is one of the leading causes of fires in the home, according to the National Fire Protection Association. People often use their fireplaces to create a nice setting for their guests. Be sure your home is safe from any embers and clear anything dry (boughs, decorations) from the fireplace area to prevent any unattended fires from starting. Holiday Travel Safety. Before the rush of the Holiday season, have your...

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Your Dog and Neighbors: Preventing Biting

September 14, 2015

What happens if your dog bites your neighbor? Our dogs are our pets. No, not pets – family members. They keep us company, they entertain us, and they protect us. So, what are our neighbors? Most people consider their neighbors to be friends or at least cordial acquaintances. When something happens between neighbors, things can be strained. You want to repair this relationship as fast as you can or it will be uncomfortable living near each other. So what happens when your dog bites your neighbor? The obvious thing is to first get your dog under control and away from your neighbor. Then make sure your neighbor is OK. But wait, it’s usually so much more than that! We are talking about the liability of owning a dog. It is up to you to have proper control of your dog in any situation. When indoors, your dog should never be in front of you when answering the door. You should also pay attention to how your dog is behaving when someone does come to the door. Is he wagging his tail? Is he excited to see the person? Is he protecting you and acting aggressively? If he is wagging...

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