A Simple Guide to Documenting Your Home’s Contents for Insurance

Life is full of surprises, and while we hope they are always pleasant, sometimes the unexpected can take the form of a fire, storm, or other event that damages or destroys our home and belongings. In those challenging moments, the last thing you want to worry about is trying to remember every single item you owned. That’s where a comprehensive home inventory comes in. At Bieritz Insurance we believe in empowering our clients with the tools and knowledge to navigate these situations with greater ease. Creating a home inventory might seem like a daunting task, but it’s a simple yet incredibly valuable step you can take today to protect your future and streamline the insurance claims process.

Why a Home Inventory Matters:

Imagine facing the aftermath of a significant event. Trying to recall every piece of furniture, every article of clothing, every electronic device, and every personal item you owned can be overwhelming and emotionally taxing. Without a detailed record, you might forget valuable items, leading to a lower insurance settlement than you deserve. A well-documented home inventory serves as a crucial record for your insurance company, making the claims process smoother, faster, and ultimately less stressful. It provides clear evidence of what was lost or damaged, helping you receive a fair and accurate settlement to rebuild your life. 

Making Inventory Easy: Simple Methods for Success

The good news is that creating a home inventory doesn’t require hours of meticulous handwriting. Modern technology offers several user-friendly methods to document your belongings effectively:

1. The Visual Approach: Photos and Videos

• Room by Room: Walk through each room of your home and take photos or videos of everything. Open drawers and closets to capture their contents. Don’t forget less obvious areas like the attic, basement, and garage.
• Focus on Details: For valuable items, take individual photos and close-ups. Capture identifying details like serial numbers, model names, and any unique features.
• Narrate Your Videos: If you choose video, consider narrating as you go, describing the items and their approximate value or any distinguishing characteristics. This can be incredibly helpful for future reference.

2. The Traditional Route: Lists and Spreadsheets

• Categorize by Room: Create a list or spreadsheet organized by room. This helps ensure you don’t miss anything.  
• Be Specific: Instead of just writing “clothes,” list types of clothing (e.g., 5 sweaters, 10 t-shirts, 3 pairs of jeans).  
• Include Key Information: For each item, note the brand, model number (if applicable), purchase date (if you remember), and estimated value. Even approximate values are better than nothing.
• Utilize Software: Consider using spreadsheet software (like Excel or Google Sheets) or dedicated home inventory apps. Many apps allow you to store photos, values, and purchase dates in an organized manner.  

3. Combining Methods for Comprehensive Coverage:

The most effective approach often involves a combination of visual and written documentation. For example, you might take a video walkthrough of each room and then supplement it with a detailed list of high-value items with their specific details.

Tips for Maintaining Your Home Inventory:

Creating the inventory is just the first step. To ensure its continued usefulness, remember to:

• Update Regularly: Make it a habit to update your inventory whenever you purchase new items or dispose of old ones. A quick annual review is also a good practice.
• Store Securely: Don’t keep your only copy of your inventory at home. Store it in a safe place like a cloud storage service (Google Drive, Dropbox, iCloud), an external hard drive kept off-site, or even with a trusted friend or family member. 
• Share with Us (Optional): While you don’t need to give us a detailed inventory, letting us know you have one on file can be helpful during the claims process.

Peace of Mind in Preparation:

Creating a home inventory might seem like one more task on your to-do list, but it’s an investment in your future security and peace of mind. By taking a little time now to document your belongings, you can significantly reduce stress and streamline the insurance claims process should the unexpected occur. At Bieritz Insurance, we are committed to providing you with not only the right insurance coverage but also the resources to navigate life’s challenges. If you have any questions about your homeowners insurance or creating a home inventory, please don’t hesitate to reach out at 607-547-2951. We’re here to help you protect what matters most.

Protecting Your Home and Preventing Insurance Claims

As winter approaches, homeowners often focus on holiday preparations and staying warm, but it’s equally important to prepare your home for the challenges that the cold season brings. Winterizing your home not only ensures your comfort but also helps prevent common winter-related insurance claims. In this article, we’ll discuss the importance of winter home maintenance and provide tips on insulating pipes, checking heating systems, and maintaining fireplaces to keep your home safe and cozy.

The Importance of Winter Home Maintenance

Winter home maintenance is essential for several reasons, including:

1. Preventing Costly Repairs

Winter can be harsh on your home’s structure and systems. Freezing temperatures, snow, and ice can cause damage that may lead to costly repairs if not addressed promptly. Regular maintenance can help identify issues early, preventing them from worsening.

2. Reducing Energy Costs

A well-maintained home is more energy-efficient, which can help you save on heating costs during the winter months. Proper insulation and sealing gaps and cracks in your home’s envelope can reduce drafts and heat loss.

3. Ensuring Safety

Winter maintenance also includes safety checks. Ensuring that your heating system, fireplace, and chimney are in good working condition reduces the risk of accidents, such as fires or carbon monoxide leaks.

4. Protecting Against Insurance Claims

Many common winter-related insurance claims, such as burst pipes or roof damage due to ice dams, can be prevented with proper winter home maintenance. Avoiding these claims can help you maintain a favorable insurance record and potentially lower premiums.

Winter Home Maintenance Tips

1. Insulate Pipes

Frozen and burst pipes are one of the most common winter-related insurance claims. To prevent this:

• Insulate Exposed Pipes: Use pipe insulation or heat tape to cover exposed pipes in unheated areas, such as basements, crawlspaces, and garages.
• Seal Gaps and Cracks: Seal gaps and cracks in exterior walls and foundation to prevent cold air from reaching pipes.
• Let Faucets Drip: On particularly cold nights, allow faucets to drip slightly. Moving water is less likely to freeze.

2. Check Heating Systems

Your heating system is your lifeline during the winter. Ensure it’s in good condition:

• Furnace Inspection: Have your furnace inspected and serviced by a professional. Clean or replace filters regularly.
• Fireplace Maintenance: If you have a wood-burning fireplace, have the chimney cleaned and inspected to prevent creosote buildup, a fire hazard.
• Programmable Thermostat: Install a programmable thermostat to save energy by lowering the temperature when you’re away or asleep.
• Check Carbon Monoxide Detectors: Ensure carbon monoxide detectors are installed and working correctly, especially if you have a gas furnace or fireplace.

3. Maintain Your Roof and Gutters

A well-maintained roof and gutters can prevent ice dams and roof leaks:

• Remove Debris: Clean leaves and debris from your gutters and downspouts to allow for proper drainage.
• Inspect Roof: Look for loose or damaged shingles and repair them promptly to prevent leaks.
• Prevent Ice Dams: Proper insulation and ventilation in your attic can help prevent ice dams from forming on your roof.

4. Seal Drafts

Drafts around windows and doors can make your home feel colder and increase heating costs:

• Caulk and Weatherstrip: Apply caulk to seal gaps around windows and doors. Install weatherstripping to create a tight seal.
• Use Draft Stoppers: Use draft stoppers at the bottom of doors to prevent cold air from entering.
• Insulate Attic Access: Ensure your attic access is properly insulated and sealed to prevent heat loss.

5. Prepare for Emergencies

In case of a power outage or severe winter storm, be prepared:

• Emergency Kit: Assemble an emergency kit with essentials like flashlights, batteries, non-perishable food, water, blankets, and a first-aid kit.
• Backup Power: Consider investing in a backup power source, like a generator, to keep essential systems running during an outage.
• Emergency Contacts: Keep a list of emergency contacts, including utility companies and local authorities.

The Impact on Insurance

Regular winter home maintenance can positively impact your home insurance in several ways:

1. Prevention of Claims

By addressing potential winter-related issues proactively, you can prevent common claims, such as burst pipes or roof damage, which can result in higher premiums or policy non-renewals.

2. Maintaining a Favorable Record

A history of claims can negatively affect your insurance record and lead to higher premiums. Avoiding claims by maintaining your home can help you maintain a favorable record.

3. Potential Discounts

Some insurance companies offer discounts for homeowners who take measures to reduce risks, such as installing fire-resistant roofing or upgrading heating systems. Check with your insurer to see if you qualify for such discounts.

4. Peace of Mind

Knowing that your home is well-maintained and less susceptible to winter-related issues can provide peace of mind, allowing you to enjoy the season without worrying about unexpected damage or accidents.

Conclusion

Winter home maintenance is not just about comfort; it’s about protecting your home, your loved ones, and your finances. By following these tips and staying proactive, you can prevent common winter-related insurance claims and ensure a safe and cozy winter season. Remember that the time and resources invested in winterizing your home are an investment in the longevity and well-being of your most significant asset: your home. Call our team today at 607-547-2951 for a free quote on your homeowner’s insurance!

Protecting Your Home and Family

Hurricanes are powerful and unpredictable natural disasters that can wreak havoc on homes and communities, even in our region in upstate NY. As a homeowner, being prepared for hurricane season is essential to safeguard your property and loved ones. In this article, we’ll share some helpful tips on preparing your home for hurricane season and explain why having the right insurance coverage is crucial during these catastrophic events.

1. Create a Hurricane Preparedness Plan

Before hurricane season begins, it’s crucial to create a comprehensive hurricane preparedness plan for your home and family. Here’s what to include in your plan:

• Emergency Contacts: Compile a list of important phone numbers, including local emergency services, utility companies, and family members’ contact information. Make sure everyone in your household has a copy.
• Evacuation Plan: Determine the nearest hurricane evacuation routes and shelters. Have a plan in place for where your family will go if you need to evacuate.
• Emergency Supplies: Assemble an emergency kit that includes non-perishable food, water, flashlights, batteries, a first-aid kit, and essential medications. Ensure you have enough supplies to last at least three days.
• Communication Plan: Establish a communication plan with family members, including a designated meeting place if you become separated during a hurricane.

2. Secure Your Home

Preparing your home is vital for minimizing damage during a hurricane. Here’s how to secure your property:

• Trim Trees and Shrubs: Prune trees and shrubs to remove dead branches and reduce the risk of falling debris during a storm.
• Secure Outdoor Items: Secure or store outdoor furniture, grills, and other loose items that could become projectiles in high winds.
• Check Roof and Gutters: Inspect your roof for loose or damaged shingles, and clean gutters to ensure proper drainage.
• Install Storm Shutters: If you live in a hurricane-prone area, consider installing storm shutters to protect windows from flying debris.
• Reinforce Garage Doors: Reinforce your garage doors to prevent them from collapsing during high winds.
• Elevate Valuables: Raise valuable items and important documents off the ground in case of flooding.
• Install Sump Pumps: If your area is prone to flooding, install a sump pump to help prevent water damage in your basement.

3. Review Your Insurance Coverage

Having the right insurance coverage is paramount during hurricane season. Here’s what you need to know about insurance:

• Homeowners Insurance: Review your homeowners insurance policy to understand what it covers. Typically, it covers damage caused by wind, rain, and falling debris. However, it may not cover flood damage.
• Flood Insurance: If you live in a flood-prone area, consider purchasing flood insurance through the National Flood Insurance Program (NFIP) or a private insurer. Standard homeowners insurance policies do not cover flood damage.
• Windstorm Insurance: In some hurricane-prone regions, you may need a separate windstorm insurance policy to cover hurricane-related wind damage. Check with your insurance company to see if this coverage is necessary for your area.
• Coverage Limits: Ensure your insurance policy has adequate coverage limits to rebuild your home and replace personal belongings in the event of a hurricane. Consider increasing your coverage if needed.
• Document Your Property: Create a detailed inventory of your belongings and document your home’s condition before a hurricane. This documentation can be invaluable when filing an insurance claim.

4. Stay Informed and Evacuate if Necessary

During hurricane season, it’s essential to stay informed about storm developments. Use the following resources to stay updated:

• Weather Alerts: Sign up for weather alerts and notifications from the National Weather Service (NWS) and the Federal Emergency Management Agency (FEMA).
• Local News: Monitor local news channels and radio stations for updates on hurricane paths and evacuation orders.
• Emergency Apps: Download emergency apps, such as the FEMA app and weather apps, to receive real-time information and alerts.
• NOAA Weather Radio: Purchase a NOAA weather radio to receive continuous weather updates and emergency information.

If authorities issue an evacuation order for your area, follow it promptly. Your safety and the safety of your family should always be your top priority.

5. Post-Hurricane Recovery

After a hurricane, the recovery process can be challenging. Here are some steps to take once the storm has passed:

• Assess Damage: Assess the damage to your home and property. Document any damage with photographs and contact your insurance company to begin the claims process.
• Safety First: Be cautious of hazards, such as downed power lines and standing water. Avoid using candles for lighting, as they can pose a fire risk.
• Temporary Repairs: Make temporary repairs to prevent further damage to your home. Cover damaged roofs and windows, and address any immediate safety concerns.
• Flood Cleanup: If your home has flooded, it’s essential to remove water and dry out the affected areas as soon as possible to prevent mold growth and further damage.
• Insurance Claims: Work closely with your insurance company to file a claim and document all communication and expenses related to the hurricane’s impact.

Hurricane preparedness is a critical responsibility for homeowners, especially in hurricane-prone areas. By creating a comprehensive preparedness plan, securing your home, reviewing your insurance coverage, and staying informed, you can better protect your property and loved ones during hurricane season.

Remember that insurance coverage is a crucial component of hurricane preparedness. Review your policies, understand your coverage limits, and consider purchasing flood or windstorm insurance if necessary. Being proactive and well-prepared can make a significant difference in how you weather the storm and recover afterward, ensuring that you are well-protected.  If you have questions about your insurance coverage or would like a free quote, contact our team at 607-547-2951.

A Fresh Start for Your Home and Your Wallet

As the days grow longer and temperatures rise, spring is the perfect time to breathe new life into your home. While the idea of spring cleaning often conjures images of dusting, decluttering, and organizing, it’s also an opportunity to enhance your home’s safety and potentially save on your home insurance. In this article, we’ll explore ways homeowners can declutter, make their homes safer, and reduce insurance risks, all while potentially leading to insurance savings.

The Connection Between Spring Cleaning and Home Insurance Savings

At first glance, spring cleaning and home insurance might seem unrelated. However, a well-maintained and organized home can significantly impact your home insurance premiums and coverage. Here’s how:

1. Reduced Risk of Accidents

A cluttered home is more prone to accidents, such as trips and falls. By decluttering and organizing, you create a safer living environment, reducing the risk of injuries that could lead to insurance claims.

2. Improved Home Security

Spring cleaning often involves assessing your home’s security. Installing or updating security measures like deadbolt locks, window locks, and security systems can lower the risk of theft or vandalism, potentially leading to lower insurance premiums.

3. Prevention of Water Damage

Inspecting and maintaining your home’s plumbing and drainage systems during spring cleaning can help identify and address issues before they become major problems. This proactive approach can prevent water damage claims and related premium increases.

4. Proper Fire Safety

Spring cleaning is an excellent time to check and maintain smoke detectors, fire extinguishers, and heating systems. A home equipped with adequate fire safety measures can result in insurance discounts.

5. Home Renovations and Updates

If you plan to undertake any home renovations or updates during spring cleaning, such as replacing the roof or upgrading electrical systems, you may be eligible for insurance discounts based on the improved condition and safety of your home.

Spring Cleaning Tips for Home Insurance Savings

Here are practical spring cleaning tips to help you create a safer and more organized home while potentially leading to insurance savings:

1. Declutter and Organize

• Safety First: Remove clutter, especially in high-traffic areas, to reduce the risk of trips and falls.
• Storage Solutions: Invest in storage solutions like shelving units, bins, and cabinets to keep items organized and out of the way.

2. Home Security

• Evaluate Locks: Inspect and upgrade locks on doors and windows if necessary to improve home security.
• Security Systems: Consider installing or upgrading to a home security system with monitoring services, which can lead to insurance discounts.

3. Plumbing and Drainage

• Inspect for Leaks: Look for signs of leaks or water damage in bathrooms, kitchens, and basements.
• Clean Gutters: Ensure gutters and downspouts are clear to prevent water buildup on the roof and potential leaks.

4. Fire Safety

• Check Smoke Detectors: Test smoke detectors and replace batteries if needed.
• Fire Extinguishers: Make sure fire extinguishers are accessible and have not expired.
• Heating Systems: Have heating systems serviced to ensure they are functioning safely and efficiently.

5. Home Renovations and Updates

• Roof Inspection: If your roof is due for replacement, consider upgrading to impact-resistant roofing materials that may qualify for insurance discounts.
• Electrical Updates: Address any electrical issues or consider upgrading to a modern electrical system, which can reduce fire risks.

6. Review Your Insurance Policy

As you clean and update your home, take the opportunity to review your home insurance policy. Ensure it accurately reflects your home’s features, such as security systems or recent renovations. Discuss potential discounts or adjustments with your insurance provider based on the improvements you’ve made.

7. Bundle Your Insurance Policies

Consider bundling your home insurance with other insurance policies you may have, such as auto insurance. Many insurance companies offer multi-policy discounts.

Benefits Beyond Insurance Savings

While the potential for insurance savings is a compelling reason to engage in spring cleaning and home improvements, there are additional benefits:

• Enhanced Quality of Life: A well-organized and maintained home is more comfortable and enjoyable to live in.
• Peace of Mind: Knowing that your home is safer and less prone to accidents can provide peace of mind for you and your family.
• Increased Property Value: Home improvements can increase the value of your property, which can be advantageous when selling or refinancing your home.

Conclusion

Spring cleaning is not just about tidying up; it’s an opportunity to create a safer, more organized, and more efficient living environment. By addressing safety concerns, improving security, and maintaining your home’s vital systems, you not only reduce the risk of accidents and damage but also potentially save on your home insurance. Take advantage of this season of renewal to invest in your home’s safety and security, providing peace of mind for you and your loved ones while enjoying potential insurance savings. For a free quote on your insurance, call our team at 607-547-2951.

Spring is a time of renewal and rejuvenation, and for many homeowners in our region, it’s also a time to tackle home improvement projects. With the arrival of warmer weather and longer days, it’s an ideal time to get started on projects that can improve the comfort, efficiency, and value of your home. Here are some early spring home improvement projects to consider:

Clean and repair your gutters.

Gutters play a crucial role in protecting your home from water damage, and cleaning and repairing them should be a top priority in the spring. Check for any clogs, holes, or cracks in your gutters and downspouts and make any necessary repairs. Consider adding gutter guards to keep debris from clogging your gutters in the future.

Inspect and repair your roof.

Inspect your roof for any damage caused by winter weather, such as missing or damaged shingles, cracks, or leaks. Repairing any damage now can help prevent more serious problems down the road, such as mold or water damage to your home’s interior. If your roof is more than 20 years old or showing sig

ns of significant wear and tear, consider having a professional roofing contractor evaluate it and make any necessary repairs or replacements.

Power wash your home’s exterior.

Power washing your home’s exterior is an easy and effective way to remove dirt, grime, and algae buildup, and to brighten up your home’s appearance. Power washing also helps to remove mold, mildew, and other allergens that can be harmful to your health.

Repaint or refresh your home’s exterior.

If your home’s exterior is looking faded or outdated, consider repainting or refreshing it with a new color or finish. A fresh coat of paint can not only improve your home’s appearance, but it can also protect it from the elements and improve its energy efficiency.

Install new windows or replace old ones.

Old or poorly insulated windows can be a major source of heat loss and energy waste in your home. Consider installing new, energy-efficient windows or replacing old, drafty ones. Energy-efficient windows can help reduce your energy bills and make your home more comfortable.

Upgrade your landscaping.

Spring is a great time to upgrade your landscaping, whether by planting new trees, flowers, or shrubs, or by installing a new patio, walkway, or retaining wall. Upgrading your landscaping can not only improve your home’s appearance, but it can also add value and enhance your outdoor living space.

Improve your home’s insulation.

Improving your home’s insulation can help reduce your energy bills and make your home more comfortable. Consider having an energy audit performed to determine if your home is adequately insulated and to identify any areas where additional insulation is needed.

These are just a few of the many home improvement projects that you can tackle in the early spring months. Whether you’re looking to improve the comfort, efficiency, or appearance of your home, there are many projects that you can undertake that will not only benefit your home, but also your family and your community. So grab your tools, get started, and enjoy the fruits of your labor this spring!

Finding the right person to work with you on your home improvements can be a challenge.  In our region, it is an industry where very few have websites to provide helpful information about who they are, how long they have been in business or examples of their work.  Instead, much of our connection with potential businesses comes through social media posts and referrals.

The first logical place to begin is to reach out to discuss your project and get a quote for what you need.  Try to connect with at least two or three different contractors and compare them.  Is there something that sets one off from the others?  Maybe better attention to details for what you are looking for or maybe a better way to implement your project that can save you money?

Before making a decision on hiring someone, there are a few things that you can do to learn if a particular contractor might be a good fit for you:

• Check their website (if they have one) and learn about the company and their value proposition for you as a homeowner.
• Do your internet searches for their business (google, facebook, community pages, angie, houzz, homeadvisor, etc.) and check their reviews.
• Ask for examples of their work (photos), along with references from people they have done business with recently that you can contact.
• Are they licensed and insured for the work that they do? (Ask for a certificate of insurance that you can have on file for your project.)
• How do they communicate?  Will they return phone calls or emails promptly within a reasonable timeframe? 
• Are they reliable – showing up on time, letting you know if they are running late?
• Do they provide a warranty period for the work they perform?
• Are there any known complaints filed against them?

It’s good to keep in mind that price is only a portion of the things that go into making the decision to hire a particular contractor.  There is a level of trust and confidence in the relationship and capability that builds up over time when you know you are receiving professional craftsmanship and service for your improvement projects. Chances are, when you find the right person to work with, they will become part of your home’s history and will be someone who will return again and again to help with the work you need to get done.

We are all familiar with ‘Spring Cleaning’ where we open the windows after a long, cold winter and prepare for the beautiful warm summer months that are to come, but it’s also helpful to make yourself an ‘End of Summer’ list as the season dies down. Keep some of the items listed below in mind to check towards the end of August to get your home prepared and in-shape for the fall.

Before the leaves begin to fall – give your gutters and downspouts a check to make sure there are no existing clogs. Remove any brambles and seeds and run some water through to see if there are any leaks that need to be repaired.

Give your windows a fresh cleaning and seal up any gaps with caulking as you go. Leaky windows cost money all winter long with the loss of heat. If repairing and sealing isn’t enough, consider whether you want to replace them.

Similarly, check your weather stripping around your doors. These often disintegrate over time, so replacing them every few years is likely necessary to prevent heat loss and insect intrusions.

Wash your trash bins. As the months get colder, animals and rodents can be attracted to the smells from your trash bins. A quick wash at the end of the summer can reduce or eliminate those smells and help keep pesky animals frommaking unwanted visits.

Spruce up your deck – clean, repair, restain or repaint and then seal it all before the cold weather arrives.

Check your outdoor equipment to make sure everything is in proper working order to get you through the upcoming months. This includes your leaf blower, snow blower, week whackers, and other tools. If you are working with batteries, now is a good time to make sure everything is charged up!

Our team at Bieritz Insurance Agency wishes you all a happy end of summer season!  If we can help you with any of your insurance products, please contact us for a free quote and learn how we can save you money on your insurance.

When embarking on home improvement projects, one of the first decisions is whether to do it yourself or to hire a professional. If you feel you have the skillset to undertake a particular project, then it might make sense to proceed with it. If you are not sure, remember that time is valuable – and if you make a mistake, you may likely have to do all the work over again or possibly end up calling a professional anyway. Make sure you consider your ‘worst case scenario’ and let that help guide you in your decision.

One of the most popular DIY projects is painting. A fresh coat of paint can go a long way to perk up your living spaces and it doesn’t have to be a complicated project. If you are removing wallpaper and repairing walls, however, that might be a different story. If you are doing it yourself, don’t skimp on materials. The money you save on hiring someone will more that cover the increase in cost for quality paint and materials.

Another popular DIY project is switching out your plumbing fixtures. Replacing your old faucets and showerheads can bring a whole level of improvement to your living space – both aesthetically and practically. If you have a leak that can’t be corrected due to a worn out fixture, it can also save water and expense down the road as well. At the same time, plumbing repairs can be tricky for DIY since many homeowners don’t have access to the same tools or expertise as a professional. One wrong move can result in a bad outcome if something breaks – so be prepared for contingencies and have your plumber’s phone number on hand in case something goes wrong.

DIY tiling is another popular home improvement project. A good place to begin might be something small like a backsplash area around your sink or your stove. These types of projects can have a beautiful, personal flair – and will last for a very long time – so make sure you love it or find colors that will blend in well if you change your color schemes in the future. If you are working in areas where there is water, be sure to seal everything appropriately to avoid damage.

If you happen to have skill with wood and woodworking tools, there are a lot of things you can work on – from shelving, to seating, tables, racks and more. If you have an interest in these types of projects, consider taking a local course to better understand the craft and begin practicing with some simple projects.

Finally, if you do decide to take on some of your own home improvement projects, be sure to check with your local codes departments to see if there is any permitting that is required. Find out if there are any permits or inspections that need to happen as you progress through your project and what the procedures and timelines are. This will go a long way towards having a great experience and will save a lot of time and headache down the road.

Remember, if you are making improvements for your home, contact our team at Bieritz Insurance Agency to see if any updates to your homeowner’s policy are needed. We are happy to provide you with information and guidance!

Living in a classic old house is a privilege. Older homes can evoke a sense of beauty, love, charisma.  They have a level of character and craftsmanship that are no longer seen in todays modern houses. However, during the cold winters, an older home can be quite uncomfortable.  If you are looking into insulation, you may find the information here to be helpful. 

Houses built in the midst of the 20th century were not well insulated. They had a natural ventilation system that allowed their walls to be hollow for it to “breathe” through it. Sitting in your living room on a cold winter night will tempt you to get the walls insulated the next morning.

One of the basics of learning about insulation is “R-Value”. The R-Value is the ability of the insulation material to resist heat and avoid its transfer from one place to another through that material. Usually, it is measured between 1.5 to 7 per inch, and the higher the value the better insulation it can provide to keep your home warm.  Before beginning any insulation project, you should also research your local codes as sometimes there are specific requirements for what minimum R-Value is required for attic, walls, etc.   

Here are a few options for insulating your old house, along with their R-value for comparison:

• Fiberglass Insulation

Fiberglass insulation is the most common type of insulation used throughout the United States.  It typically has an R-value between 3.1 to 3.4 per inch. It is placed loosely into the stud bays of walls and rafters, allowing it to trap as much air as possible.   Additionally, an air barrier on the external wall helps to stabilize the efficiency of the insulation by preventing cold air from moving into the wall cavity in cold conditions.  

• Spray Foam

The R-Value of open-cell spray foam insulation is about 3.6 to 3.8 per inch. It is easy to install as it can be blown inside and expands quickly, and you can shave off the excess as it covers the entire wall cavity. If you are spraying it in the cavity, it takes 6 to 8 seconds to set, but when you pour it into the wall cavity, it takes 5 to 8 minutes to fill it up. 

• Closed Cell Foam Insulation 

This insulation is another form of spray-foam, but it is tough and rigid with a much higher R-Value of 6 to 7 per inch (about double that of the other regular insulation).  It also tends to be one of the more expensive options.  Closed cell insulation is best used on new construction projects as it has to be fitted into an open cavity of the wall and cannot be retrofitted. So, unless you are tearing out your interior walls of your home as part of your renovations, closed cell foam insulation is likely not a viable option.  

• Cellulose

  Cellulose has an R-Value of 3.6 per inch. It is newspaper chopped up finely and mixed with boron or boric acid, which serves two more purposes. It acts as a fire retardant and also makes the insulation pest resistant. Moreover, it fends off mold, wood decay, and corrosion.  Thorough safety tests are conducted for open flammability to ensure the insulation is fire resistant.

  The cellulose is inserted with a blower, typically into the wall cavity with 2 holes, one in center and one at top. It is misted with a bit of hydration and then packed into the stud bay.
  A vapor barrier or retarder can be used depending on where you live in the country. This ‘loose-fill’ insulation will degrade and settle over time and it’s typical lifespan is in the range of 20-30 years.

Controlling the movement of Vapor in the insulations above:

Warm air contains a good deal of moisture and will always move towards colder air.  This warm, moist air needs to be prevented from entering into the wall cavity and coming in contact with the insulation.   A vapor barrier, like polyethylene is typically used for this purpose.  It can be stapled to the wall sides and should always be placed on the warmer wall, so if you live in a warm climate, it should be placed on the exterior wall, but in cold climates, it should be placed on the interior side. When the climate is different throughout the year, like here in NY, the vapor can collect on the backside of your drywall during summers, and the vapor barrier will not let it dry out. Hence we can use a vapor retarder that allows the stud bay to breathe and the vapor to escape. 

 If you are doing any major remodeling at your home, don’t forget to let your insurance company know.  Our experts at Bieritz Insurance will be happy to document your updates and assist you in finding your best options and rates if any changes are required.  Contact our team for an appointment or call our office at 607-547-2951.  We are happy to assist you with all your insurance needs. 

New York State is making a huge push to help homeowners and businesses transition out of fossil fuel dependence.  Through NYSERDA (New York State Energy Research and Development Authority), there are currently a number of programs and incentives that can make it possible for homeowners to begin this process.  Although incentives for home solar systems have been around for at least a decade or more and are being phased out a bit, there is still time to configure a home system that can work out to being very close to expense neutral – shifting your payment from your existing utility company to a loan payment for a solar installation.  In some cases, the federal and state tax credits (which can be taken over the course of two years) are refunded to the homeowner and then paid to the loan provider as part of the loan agreement to minimize a good deal of the up-front cost.

In addition to solar incentives, there are currently programs for insulation, heat pump systems for home heating (mostly for geothermal systems currently), heat pump hot water systems, electric vehicle chargers, as well as continued support for energy smart appliances.  For homeowners who want to fully transition, there are discounts, rebates, tax credits and financing options available with some qualifications required (based on income, location, etc.).

If you are interested in learning about what might be possible for you, a good place to start locally is through the Otsego County Conservation Association’s HeatSmart Mohawk Valley program.  Their staff can give you an overview of what might be available for you and will guide you to the resources and application through the NYSERDA portal. They regularly offer overview webinars to help answer questions about how systems work and where to begin so that you can assess your energy usage and needs in order to configure the right systems for your home.  They can also help direct you to NYSERDA recommended service providers (many of which are local businesses) who can also assist you with navigating the process for qualifications for the NYSERDA incentives.

These kinds of home energy upgrades help to make your home infrastructure more climate-friendly by significantly reducing your annual household CO2 emissions (something we should all be acting on),  alleviating existing strains on our energy grid, and increasing the assessed value of your home.  Carbon based energy is a finite resource which is sure to become increasingly expensive, particularly if/when our governments (federal and state) decide to stop providing subsidies for fossil fuels.  Finding a solution to provide our own energy to heat and power our homes is very likely going to be far less costly.

If you plan on making some of these changes to your home (or business), contact our team for a quote on what you can expect for your insurance.  We are happy to assist you at either of our offices: Bieritz Agency, 209 Main Street, in Cooperstown or Morris Insurance Agency, 128 Main Street, in Morris.  You can also feel free to contact us through our website using our Request a Quote Form.  We look forward to hearing from you!

The winter months bring greater fire risks for homeowners.  According to the Red Cross, house fires generally increase during the fall and winter months, with December and January registering the highest numbers.  There are tasks that every homeowner should do each fall as a preventative measure to reduce the dangers of a house fire.

Schedule with your service provider for a home heating system inspection and maintenance.

Changing out your filters and cleaning out any buildup from the prior year can help make your system run more efficiently.  In addition, if you use fuel oil or propane, your annual maintenance can identify if there are any leaks that can cause fires or other contamination.  If you use stationary or portable space heaters, make sure they are placed in a location far from things that can burn like furniture, clothing, and bedding.  (National Fire Protection Association data puts 81% of home heating fire casualties as a result of space heaters.) Similarly, items that are too close to your hot water heater can also be hazardous and potentially could catch on fire.

Check your fireplace and chimney and schedule for a cleaning.

Soot and creosote (which results from burning wood and fossil fuels) can build up inside of your chimney and catch fire if not cleaned regularly.  It can also be a hazard for smoke exposure.  Most chimney fires are quiet and slow burning, and can cause severe damage to your chimney system (flue lining, brick mortar) and to your home (roofing, celings, walls, structural beams).   Having your chimney inspected and cleaned each fall helps to reduce or prevent your risk of a chimney fire.

Stoves can also be a source for home fires.

The best prevention here is to never leave your stove unattended and make sure that there are no combustible materials (curtains, dishcloths, etc.) nearby.  Clean your stove regularly to remove any grease or flammable grime from your cooking surfaces and turn off your stovetop immediately if you see smoke coming from the bottom of your pot or pan when in use.

Make sure you have working fire extinguishers and smoke detectors.

Preventative measures can make a big difference.  The ability to recognize when there is a fire and to put the fire out quickly can be a life saver.  For a home fire extinguisher, the general guidance is to test or recharge them every 5-6 years and to replace them every 10-12 years.  Some fire extinguishers will have a tag that will show the maintenance schedule or expiration date.  If you need to use your fire extinguisher, make sure to have it recharged or refilled so that it is available is you should need it again in the future.  Changing your battery in your smoke detector once a year is about the simplest thing you can do to make sure you are alerted if a fire should start in your home.  That warning is an important part of protecting your home and your family from the dangers of a home fire and can help save lives.

Check on your extension cords and don’t overload them.

With all of our tech devises and gadgets nowadays, it’s easy to have the need for a lot of plugs without the availability of a lot of outlets in our older homes.  Choose the right extension cord for the job and use it as directed – know the wattage capacity of the cord and the wattage use of the devices you plug into it.  Check for overheating or signs of damage regularly.  Overheating at the plug area, the wall socket or the cord itself are all signs that something is not functioning correctly and the cord should be immediately unplugged.  Extension cords should also have fuse protection (a blown fuse will cut off electicity to stop overheating that can cause a fire) and should be listed by a national testing laboratory ( look for UL, ETL or CSA).

In the case of fire, as in so many other things in life, we can look to the adage “an ounce of prevention is worth a pound of cure”.  Take some time to check for hazards and rest more easily knowing that you are being as safe as you can be.  To make sure you are protected with the right insurance coverage, contact our team in Cooperstown, NY at https://www.bieritzinsurance.com/contact-us/.  We will be happy to assist you in finding the right product to affordably meet your needs.

As the weather finally begins to warm, we expect many will be spending some time working on their outdoor spaces.  If you are looking to do some landscaping around your home this season, you may want to consider starting to transition your yard to native plants.  The impending impacts of climate change will find birds and wildlife ranges shifting northwards, and will also increase our prospects for experiencing severe weather events.  Using native plants in your landscaping can provide many benefits including support for local wildlife and making your home more resilient.

What are the benefits of using Native Plants?

Flood prevention and erosion control

As a rule, native plants, trees and shrubs establish strong, deep root systems that are not found with lawn grasses and sod.  These root systems can help to reduce the flooding impacts from major storm systems by storing water during and after heavy rains.  They are also more effective at slowing water down and therefore reducing erosion and loss of soil on your property.  Avoiding flood damage can reduce your insurance claims on your homeowners policy.  Claims on your insurance will typically result in increased rates over time, so therefore, this is an investment that could save you money in the long run.

Increased habitat and less maintenance

Native plants naturally require less fertilizers and  pesticides to keep them healthy and once they are established, they require less watering and maintenance than a grassed lawn.  In addition, they provide important sources of food and shelter for birds, insects and local wildlife. Habitat loss is the number one threat to birds and other wildlife, so every patch we can create is an oasis of much needed space.  Over the past century, the US has lost over 150 million acres of habitat and farmland – a trend that shows no sign of slowing. Converting our lawns can help reclaim over 40 million acres of needed habitat.  Native animals rely on local plant species – for cover from predators and protection from the elements as well as for nuts, seeds, berries and insects that they host.

Healthy ecosystems and beautiful spaces

From an ecological perspective, native plants help to maintain the integrity of the ecosystem and they can help to reduce the spread of invasive species.  They can also be a beautiful addition to your property as many native plants produce showy flowers, abundant fruits and seeds, and brilliant fall foliage.  They are healthy places where you and your family can spend time.

(To be continued in Part 2: Transitioning Your Yard to Native Plants: How?)

While buying a new house is certainly one of the most exciting things anyone can do, the actual process of getting into that house is often full of stress and hard work. Even when the sale has finally closed, you still have an incredibly daunting task ahead of you: moving. Some people choose to do it themselves; others hire professional help. Either way, it’s important to consider your valuable possessions, and what might happen to them during the move. No matter how careful you are, there’s always the risk that something bad can happen to these irreplaceable keepsakes. This is why it’s important to consider moving insurance.

What is moving insurance?

Just like it sounds, moving insurance is insurance that is specifically designed to protect you from loss during the process of moving from one home to another. It is a short-term policy that covers the cost of these items should they be stolen, broken or lost during the move. As stressful as this time can be, the peace of mind that comes from knowing your valuables are protected is often worth as much, if not more, than the items themselves.

Moving company guarantees

But wait, you might ask – don’t moving companies guarantee the items they move? The answer to that question isn’t easy. In theory, a moving company guarantees your items against negligence. This is called “valuation,” and it’s a moving company’s version of insurance (although, it should be noted that for legal purposes they aren’t allowed to call it that).

Most basic moving company contracts will provide some form of valuation, and you can actually upgrade the valuation for more protection. However, this is not always fool-proof. In some cases, the valuation has a limit to the amount of protection offered. This means that more expensive items, such as antiques, heirlooms and large pieces of furniture, might not be covered under the terms of the valuation contract.

In addition, it’s not unusual for companies to try and wiggle out of paying by claiming that events were outside of their control – if you packed some boxes yourself, for example, they could try and claim that it was your faulty packing that led to the damage.

Existing insurance coverage

You might also wonder if your existing home insurance covers this move. Again, it’s a good question that doesn’t have an easy answer, because in truth it depends on the policy and its coverage. It’s safe to assume that it doesn’t cover it, however, since most homeowner policies only cover things while they exist inside the home. Once an item leaves the home, the coverage usually no longer applies. It’s a good idea to contact your insurance company and nail down specifically what is and isn’t covered during a move under your existing policy.

Purchasing moving insurance

So, even though we’ve seen that the moving company and your existing policy might offer some protection, it’s a safe bet that it isn’t enough coverage for the life you’ve built up over the years. This is where moving insurance comes in. This type of insurance is built specifically to cover items while they are being packed up in one place, transported across town, across the country or even internationally and unpacked in a new location.

Even better, most moving insurance policies last for a while, and cover damage of any kind, no matter what. So, if your items are in transit, but have to sit in one place for whatever reason, they’re still covered. If an earthquake happens to damage your items during the move, they’re covered.

In addition, many moving insurance policies also cover internal damage to electronics and appliances. So, even if the item in question looks completely fine, if it doesn’t work properly once it reaches its final destination, it’s possible to file a claim to get the item replaced.

Of course, different types of moving insurance plans can cover different sorts of items, events and amounts, but in general this sort of coverage provides you with the satisfaction of knowing that you’re covered, even if unforeseeable problems occur during the move.

Contact us today

If you are looking at a move in your near future, you’re probably stressed out enough as it is. You owe it to yourself to purchase the peace of mind that comes from moving insurance, and we are ready to help you. Please contact us at Bieritz Insurance today so our team can help assess your needs and come up with a plan of protection for you and your valuables. We look forward to hearing from you!

For many, there’s nothing more exciting than buying your first home. Being a homeowner is the ultimate rite-of-passage into a world full of adult responsibilities, and to many it is the ultimate goal.  Buy a home can be a daunting prospect – it is a long-term commitment.  Most people have heard horror stories, such as home sales falling through at the last minute – even up to the day of closing – or a beautiful house turning out to be a money pit. How can you make sure that something like that doesn’t happen to you? You can’t plan for every contingency, but do everything in your power to avoid those sorts of problems simply by arming yourself with knowledge beforehand.

Here are some things to know as a first-time home buyer that can help you avoid some of the worst pitfalls.

Clear Your Credit Now

The biggest barrier that prevents most people from even being able to consider buying a house is their credit score. If you’ve not given much thought to your credit up until this point, it’s time you take a good look at it now. That number for your credit score has serious ramifications on what is and isn’t possible. A high credit score can open many doors, and can make home ownership both possible and affordable.

The good news is that it’s easy to check your credit score. Many banks offer free credit reporting for their customers, and there are other services that allow you to see your current credit score and investigate what factors might be having an impact.

Things like the number of accounts you own and the total amount of debt you currently carry can play a big role in whether a financial institution will be willing/able to lend to you. Monitoring your credit lets you see where you stand, and lets you fix any mistakes or problems that your report might show before you begin the process for a home purchase.

Find a Mortgage Before You Find a House

After deciding to buy a house, many first-time buyers make the mistake of house-hunting right away, before they’ve actually secured a mortgage offer from a lending institution. This is a mistake for several reasons.  First, they run the risk of looking for houses that are out of their price range. Not only is this a waste of time; it also makes for great disappointment later. Imagine, finding the perfect house, only to realize later than you can’t afford it!  Securing your funding in advance will help to avoid this kind of heartbreak. A second reason to get a mortgage before you shop is because no offer on a home will be taken seriously without a mortgage letter in hand, stating that the prospective buyer actually has the money to pay for it. Until that happens, any other offer with an actual mortgage lender behind it will be considered and accepted first.  The third reason to get the mortgage secured first is that it can take time to get through that process. Many documents have to be collected and sent in, and underwriters and other deciders need to review all of the information before deciding whether to extend a mortgage offer, and for much. This can all take time (a few months is not rare) – time that could mean the difference between having an offer considered or rejected.

Think About a Down Payment

Another financial question to consider is the down payment. How much money are you able to save up in the amount of time you have available to you? How much you actually need can depend on which loan program you go through. A regular bank is most likely going to require a down payment of some sort (although the old-fashioned requirement of 20% down is no longer the industry norm). Some programs, though, such as VA Mortgages or USDA Mortgages can offer customers the possibility of no-down payment loans, which can make home ownership a much easier proposition for many people.

Make Sure You Will Have Money Left Over

Between paying the down payment, discount points and other possible fees, it’s easy to leave the closing with zero money left in the bank. Don’t let that happen! After you move in you’re going to find dozens of things you might need to buy, from light bulbs to new locks, and having a little extra set aside is going to be extremely helpful.

Consider Purchasing a Home Warranty

Early on in the process of making an offer and negotiating terms, it’s vital to request that the seller purchase a home warranty. Even with a thorough home inspection coming back clean, chances are good that something in the house is going to break after you move in, and the peace of mind that comes with a full-coverage home warranty can not be understated.  NOTE: If a Home Warranty is not available, then you can consider adding insurance for your home equipment and infrastructure.  We have information about this at the link below:

Insurance for your Home Equipment and Infrastructure

If you are interested in buying a home and need more information about how we can help with your insurance needs, please contact us today!