Farm Insurance

Tis the Season for an Insurance Review

As another year comes to an end, it’s good to take stock of changes in your life or lifestyle that will affect your insurance protection in the New Year to come. The end of the year is a good time to conduct an insurance review to see if your policies still reflect the coverage you need or want. If changes are in order, it’s best to make them now so you can face the New Year with confidence knowing you’re fully protected against any eventuality. 

Subrogation

There are many facets to an insurance claim.  One of these is called subrogation.  Subrogation means, in a sense, that one party has the right to "step into the shoes" of another party for the purpose of bringing a claim for damages.

Subrogation is the right for an insurer to legally pursue a third party that caused an insurance loss to you.  This is done as a means of recovering the amount of the claim paid by the insurance carrier to you for the loss.

Tips to Prevent Ice Dams & Freezing Pipes

Ice Dams

An ice dam is an accumulation of ice at the lower edge of a sloped roof, usually at the gutter. When interior heat melts the snow on the roof, the water will run down and refreeze at the roof's edge, where temperatures are much cooler. Eventually, the ice builds up and blocks water from draining off of the roof. This, in turn, forces the water under the roof covering and into your attic or down the inside walls of your house.