How To Prepare Your Home for Storms

hail storm repair

No matter where you live, you’re bound to be hit by a storm eventually. Whether it’s rain, snow, or just high winds, the weather can do some severe damage to your home and property. Because of that, you want to make sure you take every precaution you can to help ensure that your home stays safe. Here are some ways that you can help prepare your home for a storm. 


Shutters are vital in protecting your windows. If your home has shutters, you want to check them and make sure they close all the way and can be locked into place. Additionally, if you find that the shutters have started to crack or warp, you’ll want to get them replaced as soon as possible. 

If your home doesn’t have shutters, you’ll want to get them installed as soon as possible. Windows are major vulnerable spots on a home, and if even one breaks, it could cause a catastrophe in the rest of the home, depending on the severity of the storm.


If you are in an area prone to winter storms, you’re likely no stranger to hail storm repair Lakewood CO on your roof. Replacing torn or missing shingles immediately is a big part of protecting the integrity of the roof. However, you want to make sure that you don’t just look for obviously damaged roofing.

Walk on your roof and feel for any soft or spongy spots. Those spots could be a sign of water damage that is hidden under the surface. If you find any soft spots, call as soon as possible to have them looked at to prevent them from getting worse. 


During storms, tree branches can quickly become projectiles. To avoid that from happening, keep trees trimmed all year long. If you notice branches that have died, cut them down as soon as possible. It’s also helpful to have any questionable trees evaluated by an expert, so you know if they should be cut down. You want to have them removed before they’re knocked onto your house during a storm. 

It’s the Season for Waterproof Vinyl Flooring


This is the time of year when many people across the country are installing waterproof vinyl flooring in their kitchen and basements.

The summer months often bring heavy rainstorms and hurricanes, which all lead to flooding. In many northwestern and southeastern states (where frequent hurricanes and torrential rains are common), waterproof flooring is becoming a standard in newly constructed condominiums and single-family homes. Once wood or vinyl floors become over-saturated with water, they will usually shrink and become discolored. It can be very expensive to replace water damaged floors, which are typically not covered under standard home insurance policies.

Waterproof floors are also highly recommended for homes with basements. The basement area is generally the primary place where flooding occurs after a hurricane or heavy thunderstorm. For those who choose to replace their floors as part of a DIY project, it is important to make sure you are using the right waterproofing materials. If the right materials are not used, it can lead to uneven floors and buckling.

If you are still insistent on installing your own waterproof vinyl floors, it is best to use vinyl planks designed with four-layer construction. These are not always easy to find, which means you may have to shop around several home specialty stores. As you can see, installing your own vinyl flooring can be time consuming and costly. That’s why it’s best to hire a professional floor installer. This will help to ensure you will receive a high quality product and the correct measurements for your kitchen or basement floors.

Another area of the home that is prone to flooding is the bathroom. Flooding can not only occur from heavy rain storms, but also from leaky sinks and toilets. Having waterproof vinyl will help save your floors – and in some cases ceiling tiles if your bathroom is located on the second level of your home.

Knowing The Story Behind Progressive Auto Insurance

If you have only recently learned about Progressive Auto Insurance because of their television ads and funny spokeswoman, you might be interested to know they have been in the business since 1937. In fact, it is only in recent years that Progressive Auto Insurance has become better known to the average consumer, but they have been writing policies for many drivers, over the years. Based outside of Cleveland, Ohio, they have more than 28,000 employees in over 450 offices, but you can purchase coverage online, over the phone or through independent insurance agents. The method you choose can determine your premium cost because the less personalized service you require, the lower the premium.

Progressive Auto Insurance has quickly grown because they have a goal to become the #1 consumer choice for car policies and because there are a number of ways to obtain protection, they have streamlined the process. With their ‘Name Your Price’ ad campaign, many consumers have investigated the possibilities of saving hundreds of dollars on their annual premium. Independent insurance agents can assist those that have questions about the best policies for their car, boat, home and they also offer life, health, renters, RV and motorcycle coverage, too.

With the one-stop approach, Progressive Auto Insurance offers many of the things consumers are searching for, in a complete protection package. Because you can get multi-policy discounts and you can complete the process over the Internet, many consumers have found they are a user-friendly option. You can get instant online quotes with basic information, which makes it easier to compare them to other companies. Independent insurance agents might be a good source to consider because they represent a number of the most affordable companies, with Progressive Auto Insurance being one of them.

The financial stability of Progressive Auto Insurance is evident in the fact they have annual premiums that exceed $14 billion, making them one of the largest U.S. private passenger insurers. Because they offer 24-hour, in-person and online services, the company makes it convenient to save money on your premium, which is why many consumers have been switching to Progressive Auto Insurance. If you haven’t heard that much about the insurer besides what you see in their advertisements, you can find out quite a bit on their website.

With the Internet, it has become easier to comparison shop for many things, including the protection for your vehicle and other possessions. Progressive Auto Insurance has become a leading carrier, offered by independent insurance brokers because of their competitive pricing, quick claims services and comprehensive offerings of protection for your entire life. It doesn’t matter whether you are only purchasing coverage for your car because you can still take advantage of discounts that make it more affordable.

Most people that are comparing quotes from a number of major insurance carriers will consider Progressive Auto Insurance as a leading contender. There are few other major carriers that offer you the options available through this insurer, where you can purchase your low-cost policy online, over the phone or through an independent agent.

What’s in a quote? If it’s an insurance quote – quite a bit

The most common question most people ask when looking for auto insurance is “what is it going to cost,” and they proceed to seek out a quote from whichever company they last saw on television or a billboard offering a good deal.  Our primary focus immediately  turns to finding the cheapest car insurance quote possible, but we often times don’t realize exactly what we are getting in a new policy.

This is where we stress savings and tend to stray, only to find out at a very inopportune time that we are not covered as well as we initially thought we were.  When an unfortunate accident or loss of property occurs is really not the best time to find out that you are not properly covered, and with the average car insurance quote, there are a variety of vital bits of info that you should be aware of.  One important point that you should pay careful attention to is gaining an understanding of the abbreviations and terminology used in the quote.

Some abbreviations you’ll want to note before reading another car insurance quote are:

  1. “PD” or Property Damage – the amount indicated under this portion of the quote will let you know how much damage the company will pay for should you accidentally crash into someone’s vehicle or other property.  (If you are in an accident, your insurance company will be your biggest ally, coming to bat for you when the property owners come after you to file suit against you).
  2. “BI” or Bodily Injury – this amount will indicate the amount of medical costs your insurer will pay in the event you have an accident and injure other people.  (Under the heading of bodily injury, you will likely see numbers that indicate how much is available for one passenger and a maximum number that covers all passengers together).
  3. “UM” or Uninsured Motorist – the amounts under this category will tell you how much coverage you have should an uninsured driver cause you injury.  (Typically, when another driver is at fault – you will seek payment for damages from their insurance company, but if the other driver has no insurance, having uninsured motorist coverage as part of your policy will make sure that you are still covered.)

There are other points to be understood when reading a car insurance quote, but these are a few of the most important; remembering these will help you to make a more informed decision when choosing your next insurance policy and carrier.