Showing posts from March, 2016

Why do I need flood insurance?

Flooding can happen to anyone, anywhere. According to in the past 5 years, all 50 states have experienced floods or flash floods. If a flood washed down the streets and filled your home are you covered? If you watched your belongings floating by are they covered?

The following 5 reasons are why you need flood insurance:

1. Floods can occur anywhere. Even if you do not live near a large body of water (which Michiganders do) a flood can happen. Floods not only occur in areas deemed high-risk but moderate-to-low risk areas as well.

2. Of course rapid accumulation of rainfall can cause a flood and Michigan weather is sure to bring rain this Spring.

3. Floods are the #1 natural disaster in the United States. -

4. Flood insurance is not included on your homeowners or renter's insurance policy. Your home and most important possessions may not be covered if they are damaged or lost as a result of flooding.

5. The benefits outweigh the risks. The amou…

5 Tips to Save Energy

Spring is 17 days away! As the snow starts melting we will emerge from the season of cold and snow. There is a lot to get done; lawn work, spring cleaning, etc. As you are writing your Spring to do list remember these five energy saving tips:

1. Turn it down. Every degree you dial down your heat could save you 1-3% on your heating costs.

2. Furnace tune-up. Your furnace worked extra hard to heat your home through the winter. With warmer weather ahead it is a great time to do a little tune up and clean/replace your filter.

3. DIY energy audit. Walk through your home/business and see if you are heating or lighting spaces that are not used frequently. Close vents and unplug unused devices.

4. Install a programmable thermostat. Installing a thermostat that lets you program times and temperatures can save you as much as 20% on heating costs.

5. Access the WWW. Log on to your energy company's website to see if they have a free online energy evaluation tool. Some companies such as Consu…