Tag Archives: homeowners

Helping You Prepare for the Season of Spring

Spring Cleaning

Spring is here and we can officially look forward to warmer temperatures. As we thaw out from the winter weather, the months ahead will also provide us with the opportunity to open up the windows and start our annual spring cleaning rituals.

As you look to enjoy the season, here are some safety tips to keep in mind:

  • Turning on fans, in addition to opening windows, is also a good idea when using chemicals.
  • When spraying pesticides, wear long clothing for protection and let the given areas air out for an hour or so.
  • To avoid confusion, keep chemicals in their original bottles to help you keep note of expiration dates and remain mindful not to mix things together that may create dangerous gases.
  • As the temperatures warm up, the heavy snow from the winter season will continue to melt. Spring can also lead to rainstorms. Both of these weather conditions could result in potential flooding, so you would benefit from knowing the safe routes in and out of your house. Unfortunately, flood damage is not usually covered under a homeowners policy. You may want to contact your agent about flood insurance.
  • Prepare your home with a first aid kit, flash lights, extra batteries, nonperishable food, and bottled water.
  • Keep contact information for utility and related companies handy in the event of an emergency.

Spring Flowers

Allergies are also common during springtime. Exposure to pollen can result in itchy eyes, runny noses, fatigue, and more. Here are steps you can take to remain healthy:

  • Take an opportunity to plan your seasonal outings accordingly. Going out on non-windy days will help limit your exposure so you can enjoy your day
  • Park your car inside a garage and away from trees, if possible. This will help you avoid pollen and mold spores.
  • In the interest of spring cleaning, washing your hands, vacuuming rugs, and changing sheets often will lessen the chances of pollen clinging to material in your home.

It’s easy to get excited about spring time and the changing of seasons. Keeping the above reminders in mind to ensure your health and safety will make it even easier to enjoy this fun time of year!

Protecting Your Home for The Winter

house-54585_640All homeowners know that the winter brings severe weather and with it more wear and tear on their homes. In preparation for the coming winter months, what can you do ahead of time to protect your home?

  • Roofs take a beating in the winter, so this is a good time to make sure that shingles are secure, there are no missing roof parts, no bubbles, no missing tiles, holes, leaks, etc. Now is also a great time to get your roof inspected and make any necessary repairs to avoid the unwanted effects of high winds, heavy snows and pounding rainstorms. If you know there are any damage risks, attend to it now so that a small difficulty doesn’t turn into a disaster later on.
  • Check skylights, vents and chimneys to make sure that no repairs are needed and everything is tight and secure from any water leakage.
  • Check leaders and gutters and make sure that they are clear of leaves, tree branches and any other debris associated with the Fall season. Clogged downspouts often lead to freezing and ice damage later in the season.
  • Make sure that trees and branches are trimmed back and pruned so that any dead branches or tree overhangs don’t fall and damage your roof, chimney, skylights, windows and doors.
  • Make sure furnaces are cleaned and in good working order so that you don’t run the risk of being without heat on those bitter cold days that are sure to come.
  • Check carbon dioxide and smoke detectors, making sure that they are working properly and their batteries have been changed.
  • Check water pipes for any leaks. A small leak can be managed by changing a pipe or repairing a portion of a pipe. If you have an automatic sprinkler system, be sure to contact your service company for a shut-off as well. A large leak can be a nightmare and do considerable damage to your home.
  • Chimneys need to be maintained and cleaned.
  • Make sure you clean out the lint filter in your dryer every time you use it to prevent build-up of lint which is certainly a fire hazard.
  • Check your electrical outlets, plugs and cords for any deficiencies such as wear and tear, overload, and fraying cords.

In short, maintenance is the key to preventing homeowner claims that may be caused by the elements or a lack of attention. If you are in doubt about how to protect your home, speak to your agent. “An ounce of prevention” is surely worth your time so we urge you to embrace this opportunity to safeguard your home.  Good luck and stay warm this winter!

Homeownership is More Affordable Today Than Many Believe

Today’s real estate market is quite unique.  While rents are rising at double-digit rates, home prices are still reasonable and mortgage rates are still at record setting lows!  In fact, the government’s Home Affordability Index reflects that buying a home has not been this affordable since the late 1940s when the suburbs were built to accommodate soldiers returning from the war!

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As a public service, earlier this year Mortgage Wealth Advisors created the Home Opportunity Initiative

The Home Opportunity Initiative was created to spread the word to communities throughout New York about the amazing home affordability being experienced right now and to educate people on their options for homeownership.

“There are many families completely unaware of how much more buying power they have in today’s market versus 5-10 years ago,” said Warren Goldberg, President of Mortgage Wealth Advisors, Inc.  “We’ve seen lots of families in a position where their home no longer meets their needs as their family has grown or evolved over the past 5-10 years.  We created The Home Opportunity Initiative to get the word out and to educate families on their options for homeownership.”

If you would like more information about The Home Opportunity Initiative or would like a no-cost evaluation of the opportunities that may exist for your family, contact Mortgage Wealth Advisors at 516-302-1090.

________________________________________________________

Warren Goldberg          

Certified Mortgage Planning Specialist ®

President and Founder

 waren

 

 

Tel:       516-302-1090   

Direct: 516-584-7218   Fax: 516-584-0053

255 Executive Drive, Suite 410

Plainview, NY 11803

WGoldberg@MortgageWealthAdvisors.com

Warren@WarrenGoldberg.com

www.MortgageWealthAdvisors.com

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Are Your Holiday Gifts Insured?

present_pileThe shopping season is in winding down right about now, and your loved ones have received all their gifts. Whether it is a new gaming system, new shoes, a big screen TV, a new iPhone or laptop,  special jewelry or a trip for 2 to a ski resort or sunny spa for a week, you may want to be sure that these gifts are protected by insurance if something unfortunate were to happen to them.

Does your Homeowners Policy cover any or all of these items while in your home BEFORE you give them away as gifts?  Do you have a Floater Policy (aka Inland Marine Policy) to add that special valuable jewelry item you received from your loved one? Did you purchase Travel Insurance for that exciting trip?

An Inland Marine policy or Floaters policy can cover those valuable gifts such as computers, fine arts, furs, golf equipment, jewelry, music instruments, and even camera equipment for All Risk, World Wide coverage with no deductible when scheduled on this type of policy.

Your Homeowners insurance may provide some coverage as well; however, every policy offers different features. A simple call to your agent can give you the detailed information you need to be sure.

Travel Insurance can protect you and your passenger should you need to cancel the trip due to a sudden illness that prevents you from going.  Or when on the trip, is an accident, sickness or injury covered by your current health insurance if you leave your home state? What if you require to be evacuated or airlifted for care – would your health insurance cover that expense? And if your trip was cut short due to a sickness or injury, would you get reimbursed to travel again at a later time?  You can have all of these situations covered with the right insurance.

Receiving electronics for the holiday is an awesome gift as well; however, will your homeowners or renters policy automatically cover it?  Every insurance company has their own interpretation of coverage and a call to your agent is strongly suggested to be sure you understand any limitation in your policy or instructions on what to do to protect your precious gift.  Sometimes purchasing the protection right from the electronic vender is the simplest and most economical way to get the best protection.

We hope you received all the gifts on your wish list this Holiday season! Keep Insurance on your list as well.  Do not hesitate to contact us if you have any questions at 718-386-5050 or info@jpins.com.