A bomb cyclone is defined as an area of low-pressure where the pressure in the storm rapidly decreases; losing 24 millibars in a 24-hour period.
This is closely associated with a rapidly strengthening system. Meteorologists term this as “bombing out,” hints the name. The general rule of thumb is the lower the pressure goes, the stronger the storm is. If a hurricane in the Atlantic were to rapidly lose pressure, we would be very concerned that we could see a major hurricane develop. Category four hurricanes generally have a pressure in the 930’s or low 940’s, very low considering the standard atmospheric pressure is around 1013 millibars. So to see a non-tropical area of low pressure deepen that quick and observe a pressure that low is definitely superlative. Thankfully, this storm is beginning to weaken as it pushes north towards Alaska. However, a piece of its energy will break off and become its own storm system Monday night into Tuesday and progress towards Texas. This will drag a front through here which will be accompanied by a strong line of showers and thunderstorms with hail and gusty winds being the primary threat.
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After a fire, burglary or another event in which you lost possessions from your home, it may be difficult to remember the details of every one of the belongings that you have accumulated over the years. In this situation, having a current inventory of your possessions, including make and model numbers, may help you with any potential insurance claims. Taking the time to document your belongings now can help you recover faster after a loss.
Here are some steps you can use to help build your home inventory checklist. Step 1: Take the time to walk through your property. Compiling a comprehensive home inventory takes time and effort. The more detailed your inventory, the more useful it will be if you have to make a claim. Document possessions inside your home and on your property that may be of value. Step 2: Keep your inventory in a safe place. Creating a digital home inventory and storing it off-site will help ensure that it won’t be lost, stolen or damaged during any disaster at your home. You can also create a photo or video inventory and upload it to a cloud-based service.
Step 3: Update your inventory often. When you make a significant purchase, add the information to the inventory while the details are fresh in your mind. This is also a good time to delete items that you have replaced or no longer own. Step 4: Remember your business assets. While most people think of their home when making an inventory, it is important to document the contents of your business, if applicable, as well. Step 5: Consider valuable items. Valuable items like jewelry, art, and collectibles may have increased in value since you brought them into your home. Check with your agent, if you have one, to make sure that you have adequate insurance coverage for these items as they may need to be insured separately. Consider putting jewelry or other valuables that you don’t often wear or use in a safe deposit box. To learn more about ways to protect your home and belongings, check out our homeowners insurance products. Buying renters insurance to protect your stuff may seem like an unnecessary expense, until you experience a theft or fire in your rented home or apartment and lose some of your most treasured possessions forever.
Whether you're a longtime renter or starting out in your first place, renters insurance policies provide important benefits and coverage. If a fire or similar incident destroyed your home and you didn't have renters coverage, it would be up to you to replace everything you own. Plus, if someone claimed you caused an injury or property damage, without adequate insurance protection, you could be at risk for an expensive lawsuit and paying that person for his or her damages. As you consider whether to buy renters insurance, here are four things you need to know: 1. Renters Insurance Provides Off-Premises Coverage Renters insurance does more than cover the cost of lost or damaged possessions in your home. There is coverage if your bicycle is stolen from a bike rack at the park, or if your laptop is taken from your car while you're at the supermarket. 2. You Can Be Compensated if You're Forced to Relocate Most renters policies provide additional living expenses coverage if your home becomes uninhabitable due to an event such as vandalism, theft, fire or water damage from home utilities.1 This benefit usually includes the cost of living expenses, up to your policy limits. This coverage typically is limited to 30 to 50 percent of your insured personal property. For example, if your belongings were insured for $100,000, the limit on additional living expenses would be $30,000 to $50,000, as outlined in your policy. 3. A Home Inventory Can Determine How Much Coverage You Need Before you decide how much coverage you need, it's important to know how much it would cost to replace your possessions. You can calculate replacement costs by conducting a home inventory and checking with your insurance representative to make certain you're fully covered.2 4. You Can Reduce Your Renters Insurance Costs There are a variety of ways to reduce the cost of renters insurance. An option is to select a higher policy deductible, the amount you must pay before your insurance coverage takes effect. Increasing a deductible from $250 to $500 could create an annual savings of up to 15 percent. You also may want to consider buying all your insurance policies from one carrier. For example, when you bundle your auto and renters policies , you receive additional savings. This may sound obvious, but selling a house sometimes comes down to just how appealing your home is to potential homebuyers. The attributes that make your house attractive to buyers can include price, the condition of your home and its curb appeal, as well as details like the number of bathrooms, bedrooms and whether the home appears dated. Discerning buyers typically want to walk into a house and immediately feel at home. How quickly you sell your home ‒ and at what price ‒ may depend on your ability to create that I’m-already-at-home feel.
Here are 10 easy home remodeling ideas that can help transform your home sweet home to the gotta-have-it house of your buyer’s dreams. 1. Replace the garage door. The surprise most home sellers discover ‒ often too late ‒ is that most sellers won’t fully recoup the cost of a renovation when they sell their home. When it comes to getting some bang for your renovating buck, however, the garage door is one suggestion to consider; it also can give a boost to your home’s curb appeal. 2. Upgrade the front door. A relatively inexpensive yet effective home improvement idea is a new front door ‒ one of the first things a home shopper will notice when they view online photos or arrive for a showing. For example, a new steel door can be both eye‒catching and energy efficient ‒ a boon for cost-conscious buyers-to-be. Or you could consider the pricier installation of a grand entrance ‒ perhaps a new front door with dual skylights ‒ which can help increase the attraction from upscale buyers. 3. Re-face the house. Another way to help increase your home value is by improving the exterior of your home. A good pressure washing may cost a few hundred dollars and can reduce or remove the unsightly dust, grime and mildew that often clings to exterior siding. For a house with more exterior wear, new siding is a pricey project but one that can help add a dramatic boost and take years off your home’s exterior appearance. 4. Maintain your lawn and refresh landscaping. You only have one chance to make a great first impression ‒ which is why renovations affecting curb appeal make our list. Home improvements that help add value and appeal to buyers include standard lawn care and landscape maintenance. Consider it a smart investment that can eventually turn out to be money well spent when you’re prepping your house for sale. 5. Refresh the kitchen. For many homeowners, the kitchen is where guests and family gather, making it one of the top house renovation ideas that come to mind when preparing a home for sale. Still, a major kitchen renovation may not be worth the cost when it comes time to sell; however, smaller, cost-effective upgrades can help make the kitchen more attractive. Consider replacing laminate countertops with granite and replacing a sink and faucet, for example. Leave cabinet boxes in place but replace out-of-date doors and hardware ‒ or hire a professional to give doors and drawers a fresh coat of paint. Finally, you can replace older appliances with slide-in, energy-efficient, stainless steel models. It’s your call as to whether spending money on these kitchen redo’s is feasible; think about your individual circumstances and what your goal is for selling your home. It also may be helpful to contact your homeowners insurance representative, to make sure that any renovations you’re considering will be covered. A savvy refresh doesn’t have to include all kitchen elements. Instead, to help save on cost, pick and choose the features that can make the greatest impression within your space. 6. Deep clean and declutter. When it comes to selling a home, you want to make a great first impression. Messy playrooms, cat or dog odors (even if Fido isn’t home), or an unmade bed can all be a turnoff to potential homebuyers. That may be why many real estate agents suggest their clients declutter and deep clean before listing their house for sale. While the main living spaces should take center stage, potential homebuyers may open your cabinets, drawers and refrigerator, so be sure to give them a good once-over, too. 7. Hire a professional home stager. When it comes down to it, the buyers who can envision themselves living in your home are the ones most likely to buy. That’s why staging your home to sell is such a popular tactic. A professional home stager will suggest removing personal items like photographs and excess furniture. Many professionals suggest storing or removing a quarter to half of your possessions, including sofas, bookcases, knickknacks, books and even clothes in your closet. Still, removing excess stuff is just the start. Stagers may rearrange furniture to highlight features like the fireplace, a view or unique architectural details. They may even suggest that you use a rental service to bring in items to dress up your home and will arrange for that service if you decide to take that advice. A professional home stager will often cost several hundred dollars, but the investment can help a home sell faster ‒ and often at a higher price than similar homes. To get the biggest bang for your staging buck, stagers recommend focusing on the living room, master bedroom and kitchen, in that order. 8. A fresh coat of interior paint. Paint has the power to entirely transform a home, particularly if it’s been a while since you upgraded your color scheme or if you happen to love eclectic colors. Neutrals are typically a safe bet ‒ they can create that clean slate feel that give home shoppers a greater ability to see their own belongings in your space. 9. Optimize lighting. High-quality lighting can help make a room feel larger, more modern and more inviting to potential homebuyers. For daytime showings, open curtains and blinds to bring in as much natural light as you can. Take advantage of accent lighting throughout the day and evening to emphasize art, a reading nook or any other interesting features in your home. If your home still feels dark, try strategically placing a mirror to reflect light and help make a room appear brighter. Alternatively, you can help brighten your space by bringing in a stylish floor or table lamp. If your fixtures are dated, new dining room and foyer chandeliers can bring a more modern vibe to your space. 10. Make small repairs. You may be accustomed to the inconvenience of that torn window screen or leaky showerhead but, to a new potential homebuyer, they may be red flags, prompting them to stay alert for any other necessary but unmade home repairs they’ll have to consider when it comes time to make an offer. Help get ahead of potential problems by doing a walkthrough, looking for any damage or necessary repairs. Then, consider hiring a handyman for the day. To really head off problems, consider hiring your own home inspector to help alert you to unexpected issues you can repair before homebuyers start walking through your home. Before You Move, Review Your Homeowner’s Insurance Coverage Selling your home is a good time to review your homeowners coverage. Learn more with us at: 508-540-2601 The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained.
Trees can present a particularly significant danger during a storm. Wind, lightning, snow and ice can all transform a tranquil row of trees into an imminent threat to your property. Proper tree maintenance involves more than pruning and trimming overgrown branches. These are some of the key steps you can take to protect your trees and prevent them from becoming a safety hazard. Steps to Take Before a Storm
When performing maintenance on the trees in your yard, please make safety a priority. If you are unable to safely prune or remove trees and limbs, contact a professional tree-care service or arborist to help you do so. It may be a good idea to consult with a professional if the trees in your yard already display any of the following characteristics:
Your needs can change as you encounter different milestones. Has your insurance coverage kept up with your life?
If you've experienced a big shift or have something planned for the future, you may need to adjust your policy accordingly. Want to make sure you have the right protection? Review this list of events to see if you should make updates to your insurance coverage.
Life is full of changes. Reach out today to discuss your recent or upcoming milestones. Are you ready to spend more time outside? As the weather warms up, you can shift your eye to home improvements for your outdoor space.
A welcoming area can be the perfect place to relax during spring and summer days. And not only can upgrades increase your home's value, but they can also inspire you to keep up with regular maintenance. From entertaining to unique lighting, here are this year's trends in outdoor living.
Want to make sure you have the right protection for your property? Or are you looking for more home improvement inspiration? Get in touch today. Are you prepping for a move? You might be wondering if you should make any changes to your home or auto insurance. While updating your paperwork might not be your top priority right now, doing so can keep you and your belongings protected during and after your move. You can start by adding your new address to your policy. Here are some other key things to consider. Home Your homeowners insurance premiums will differ when you move, even if you’re staying in the same area. Changes in home size, construction materials, natural hazards and property crime rates all affect policy costs. Reach out about your premium ahead of your move so you can budget accordingly. Possessions Consider whether you have enough coverage for all the furniture, electronics and other items you acquired since you purchased your policy. It’s easy to underestimate the value of your stuff. Also, replacement cost coverage is more valuable than actual cash value coverage and may be worth the upgrade if you don’t have it already. Are your belongings covered while moving? Consult your policy or get in touch to find out. You may be able to purchase coverage from your movers or add it to your policy if you need it. Auto Your auto insurance premiums could also increase or decrease when you move. The risks of driving in your new location and parking at your new home may change because the weather, traffic and crime may be different. If you’re moving states, premium changes can be more pronounced. One reason is that minimum coverage laws vary by state. Changing location also means you’ll need to re-register your vehicle. Finally, avoid changing or canceling your current policies too early so you don’t have gaps in your protection. Do you have questions about your coverage while moving? Get in touch today. When thinking of the cause of a kitchen fire, it is common to think of cooking. But not all kitchen fires start because of cooking hazards. Non-cooking related fires commonly involve refrigerators, freezers or dishwashers.
The following tips can help prevent non-cooking related fires from occurring in your kitchen.
What to Do If a Kitchen Fire Flares Up By exercising caution at all times in your kitchen, you can help reduce the risk of a kitchen fire. But if a fire does flare up, you need to be prepared.
If you're planning a home renovation, you may want to call your insurance agent first because this decision can impact your homeowners insurance. Some home renovations will change the amount of coverage you need, while others could even help you qualify for a discount. We cover six common scenarios that could affect your insurance, so you can plan ahead. 1. Building a New Addition When you expand and improve your home, you could likely increase its replacement value. This is the cost to repair or rebuild your home. Some additions that could increase your replacement value include: adding a second-story bedroom, expanding the living room or building a new garage. After building a new addition, or making updates or other improvements, you may need to increase your coverage because the value of your home, and the cost to rebuild it will likely have increased. Most insurance companies require your Coverage A or dwelling coverage limit be at least 80 percent of the replacement value of your home. Your insurance agent can recalculate your home value to determine whether you'll need more coverage because of the addition or improvement. 2. Building a Pool If you're looking to add a pool, you will want to contact your insurance agent to review coverage for changes to your property's value, as well as any increase in risk. When people are swimming and running around the pool, there's the chance for an accident. If someone gets hurt, they could try to hold you responsible for damages. This can apply even if the accident isn't your fault. Check with your agent to see whether your existing policy covers a pool and if you need to increase your liability coverage. This coverage can help pay damages to injured persons and provide for a defense if you are sued as a result of their injuries. You should also ask your agent what steps you can take to keep your pool safe so you can avoid accidents. Adding a fence with a lock is a smart move. You could also add lights with motion sensors or a pool alarm to discourage trespassers. Consider skipping the diving board, because this increases the chance of an accident and your insurance cost. Calfee Insurance wants to help you protect the things that matter to you. We offer a wide breadth of products so you can be covered at home and on the road. 3. Adding a Deck A new deck is another improvement that can add value but also risk, especially if the deck is attached to a second story or higher. You should let your agent know that you've added a deck, so he or she can adjust your policy as necessary. 4. Renovating the Kitchen Upgrading the kitchen can significantly increase the value of your home, especially if you switch to higher-quality counter tops, appliances and new flooring. You should contact your agent to see if you need to increase your insurance coverage. If your contractor upgrades the plumbing or electrical wiring as part of the renovation, ask your homeowners insurance agent if you qualify for a discount or if your coverage needs to be adjusted. These upgrades can reduce the chance of flooding water damage and fire, so check if your insurance company has discounts that can help to reduce your premium. 5. Finishing the Basement Finishing your basement can also increase the value of your home. That means, yet again, you may need more homeowners coverage. Flooding can be a concern, especially for the lowest floor in your house. It is important to note that most homeowners insurance policies do not cover damage caused by floods. Ask your agent to review your coverage and look to see if there are steps you can take to help prevent future damage, like installing a sump pump. 6. Redoing the Roof Before you redo your roof, ask your insurance agent whether this could qualify for a discount. Some companies offer a discount when you reinforce the roof or use stronger roofing materials that are wind, hail and leak-resistant. Your agent can explain how to qualify. At the same time, redoing the roof could increase your property value, which means you might need more coverage. It is a good idea to contact your agent when you’re considering making home renovations. Their knowledge and expertise can help you get the most out of your discounts while making sure your home is adequately insured. Free Home Insurance Review with updated Pricing |
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