Posted on 12/14/2015 8:00 AM By Rich Savino
Recently an article in the local newspaper featured a story about a senior citizen that teaches piano lessons out of her home. She has been doing so for over 50 years, and hundreds of students have sat at her piano, learning pieces from “Chopsticks” to Ravel’s “Gaspard de la Nuit.”
After reading the piece, I decided that “Home-Based Businesses” are a good topic for my blog. In the current economy, many single parents, senior citizens and stay at home moms are choosing to become entrepreneurs. Home-based – child care, tutors, piano teachers, pet sitters, bakers, dance instructors and hair studios are popping up all around my town. I think it is fantastic, as many great enterprises from Apple Computer to Harley-Davidson began in garages and basements.
The downside, is that there is often a misconception that everything that happens under your roof is covered by Homeowners Insurance. Liability, equipment and theft are generally all covered under your H ...
Posted on 4/24/2015 1:21 PM By Keith Savino
It may seem strange, while cleaning out your gutters from winter debris and seeding your lawn for spring, to think about the possible damage you may have from storms and floods in the coming months. But now is the idyllic time to check your homeowners, flood and umbrella policies to make sure that your coverage is complete. The biggest (and most frequent) mistake most policyholders make, is to check their insurance policies AFTER a disaster occurs, which is a time filled with stress and confusion.
Below are some tips that may help you to manage the process of filing an insurance claim, BEFORE you need do so, and WHEN you need to do so….
Leave the Damage For the Claims Adjuster to Witness - It is vitally important that the accident area not be cleaned up and fixed. You should secure the area from any further damage and further deterioration, but only make necessary fixes. A claims adjuster needs to witness the damage in order to correctly and accurately list all the destruction ...