Fall Home Maintenance Tips

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fall home maintenance

Now’s the time to catch up on all your small home maintenance tasks before they turn into big, expensive problems. In the aftermath of Hurricane Irma, there are also extra safety precautions to take that you might not have considered. Take advantage of the fall weather to protect your home and business from professional liability issues that arise from small oversights and neglect.

1. Clean Out Gutters

Once the leaves stop falling, it’s time to clean those gutters! Be thorough. A debris clogged gutter with backed up water leads to roof damage, water leakage, and mold issues. 

2. Evaluate Tree Damage

Are your trees basically healthy even after storm damage from Hurricane Irma? For major issues, consult a professional to see if your trees can be saved. For minor damage, unleash your inner arborist and remove broken branches, jagged limbs, and prune smaller branches down to where they meet large limbs.

3. Prepare for a Polar Vortex

If a cold snap comes knocking, you’ll want to make sure your home remains energy efficient and protected from the wind and chill. Seal up cracks and reduce drafts by adding weather stripping or calking between gaps in windows and doors. If you have a furnace, have it inspected for leaks and change the filter.

4. Test Detector Batteries

Replace the batteries in your smoke and carbon monoxide detectors and do a test by pressing the test button or holding a smoking candle near the unit. Now’s also a good time to make sure your fire evacuation plan is up-to-date and all fire extinguishers charged (as indicated by the pressure gauge).

At Synergy Insurance Group, we strive to meet the unique coverage needs of all our clients. We understand that friendly, professional know-how and dependability is the first step toward a great relationship. If you’re looking for the peace of mind that homeowners insurance, business insurance, or auto insurance can afford, please contact us at Synergy Insurance Group today to see how we can help.

Are you prepared if another hurricane were to hit Florida? Make sure your home, family and belongings are safe by downloading our Disaster Preparedness Plan! Just click the image below to get your copy.

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Storm Prep to Avoid Scams

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assignment of benefits

It happens all too often. A vicious storm wipes through the region, causing damage to trees, vehicles, and homes. Maybe you were one of the victims, or maybe you were one of the lucky ones. A day or two following the storm, your family was approached by an individual offering to inspect your roof, replace the crack in your windshield or trim the tree in your front yard – for FREE. The individual holds out a form asking you to sign, promising to work with your insurance company so you don’t have to worry about a thing. Without giving it much more thought, you sign the form. You just became a victim of AOB fraud.

AOB scams like this happen every day, especially in climates that are subject to severe weather and frequent storms, such as Florida. The fact is becoming a victim of an AOB scam can end up costing families more than what they realize. Storm season is here, so taking certain precautions now can save you time and money down the road.

These tips can help you not only prepare for the upcoming storm season, but to also prevent an AOB scam.

What is an AOB?

Assignment of Benefits (AOB) is an agreement between a homeowner and an insurance company, which stipulates the transfer of rights, benefits, and financial interest to a third party. The insurance company is then responsible for making payments to the contracted third party for any repairs related to a claim. Although this agreement takes the pressure off the homeowner to deal with a contractor and the insurance company in the event of a claim, the homeowner also loses the ability to work with the insurance company.

AOB fraud occurs when a contractor or other third party approaches an individual or family claiming to be affiliated with the homeowner’s insurance company, and gets the homeowner to sign an agreement promising to make repairs to a property and to handle the insurance paperwork. The third party then collects the insurance money and takes off, leaving the homeowner stranded – without repairs or insurance money.

Storm Preparation to Avoid Scams

The good news is there are some things homeowners can do to prevent AOB scams. So, the next time there is severe weather in the forecast, here are some things you can do to not only protect your home, property, and vehicle from damage, but also to protect your family from an AOB scam.

  • Gather paperwork on previous repairs
  • Walk around the outside of your home and property and take pictures to assess current conditions before a storm
  • Re-assess your home and property after a storm, taking pictures as necessary to determine if there is legitimate damage
  • Prepare a list of legitimate, credible third party contractors directly from your insurance company to call in the event repairs are needed

By taking the time to follow these steps before and after the next storm, homeowners will save themselves a great deal of time, money, and hassle by avoiding an AOB scam.

homeowners insuranceHow Synergy Insurance Can Help

If you believe you have become a victim of an AOB scam or if you have questions regarding storm preparation, contact your Synergy agent today.

If disaster were to strike, would all of your valuables be accounted for? Download our Home Inventory Checklist today, and take the guesswork out of your insurance claim.

Do’s and Don’ts of Home Renovations

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homeowners insurance

Starting a home improvement project is exciting, but it can expensive. Home projects involve the cost of construction, labor and job materials. On top of that, improvements and additions can also cost homeowners even more in insurance.

Some examples of projects that may increase homeowners’ insurance premiums include installing a pool, hot tub or even a trampoline. While these home and property additions are fun, there are other home improvements that can actually save money and lower insurance premiums. These projects include a new roof and making plumbing, electrical, and heating or cool system updates.

Choosing a home improvement project that is enjoyable versus practical can be difficult. When it comes down to it, choose a home improvement project that increases the safety and efficiency of your home. It will pay for itself in the long run.

Here are some “Do’s” and “Don’ts” for home renovation projects.

Home Renovation Do’s

  • Do repair or install a new roof when needed. Never underestimate the importance of taking care of “the roof over your head.”
  • Do make upgrades, improvements, and regular maintenance to your heating/cooling system, such as your central air system.
  • Do upgrade the electrical in your home, including the electrical box that sits outside of your home. This is especially important for older homes. Upgrading your electrical can help you avoid fires.
  • Do upgrade the plumbing in your home. Pay close attention to areas that are prone to leaks, like sinks. Taking care of your plumbing can avoid leaks that can damage your home’s interior, your furniture, and other important belongings.
  • Do-It-Yourselfers, do wear safety equipment. Hard hats, gloves, and goggles are key when attempting a home renovation project.
  • Do ask for help. Seek advice from others who have done similar projects.
  • Do upgrade old appliances for new, higher efficiency models. Check your stove, fridge and washer/dryer.
  • Do enjoy it. Home improvement can be rewarding.
  • Do create a plan for your project.

Home Renovation Don’ts

  • Don’t attempt a project you’re not comfortable with.
  • Don’t start a home renovation project without a budget and a plan.
  • Don’t work with a contractor who is unlicensed.
  • Don’t begin a home renovation project without first discussing it with your insurance company. You will be surprised how much a project can impact your insurance premiums!
  • Don’t waste time and money. Create a plan and stick with it.

One of the best things you can do to save money while making home improvements is to choose the home renovation projects that make your home safe and more efficient. These can reduce your insurance premiums and increase your return on investment. Also, making sure you have the proper coverage can save you time and money down the road. Get a free quote on any of our products today!

If you have questions regarding a home renovation project and if you’re concerned about how this will impact your insurance premiums, call Synergy Insurance to speak with a licensed agent today. While you’re reviewing your current homeowners insurance, check out our Home Insurance Claims eBook, filled with real-life scenarios and whether or not they would be covered with a basic home insurance policy. Click the image to get started!

Homeowners Insurance - Home Insurance

Springtime A/C Maintenance For Your Home

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Floridians quickly turn on the A/C in their homes without giving it much thought. Warm weather is the norm in Florida so few homeowners may take the opportunity to have their A/C unit serviced before temperatures soar into the 90’s.

Although the spring might be a time for backyard barbecues or lazy afternoons on the beach, it’s also the best time to have your A/C unit serviced and also look for any needed repairs in preparation for the upcoming hot summer season. Taking the time now to make sure your A/C is working properly will ensure that your home is safe and comfortable all summer.

How do you know if you need to have your A/C unit serviced or repaired? Read on for some tell-tale signs that your A/C might need some work and also some tips on how to keep your unit running smoothly.

  • Keep your unit clear of bushes and shrubs. One of the easiest and money-saving things you can do to ensure that your A/C unit runs smoothly is to keep the area around your unit clear. Be sure to trim or cut back any bushes or shrubs growing near it. Sticks, branches, and leaves can find their way into your unit, which can cause a clog resulting in a malfunction.
  • Replace the filter. The most common reasons for A/C unit failure is due to a dirty filter. Replacing the air filter in your unit is easy and relatively inexpensive. By taking the time to check and replace your filter as needed, your A/C unit will not only run smoothly but also keep the air in your home clean.
  • Schedule an annual check up. Every A/C unit should be inspected by a pro at least once per year, even if you are good about checking it on a regular basis. The best time to get your A/C serviced is now – before the summer really heats up.

Although it may cost a little to have a service tech look at your unit or to perform an annual “tune up”, this can actually save you money. If your A/C unit goes down in the middle of the summer, then it can end up costing you more to get emergency repairs.

If the A/C unit in your home is acting or sounding a little funny or if it isn’t turning on at all, then it is time for maintenance and service. Even if your A/C unit sounds or seems to be running fine, there could be some issues you may not be aware of.

spring cleaning
If you’re going to be replacing your A/C unit, make sure and talk to your insurance agent first. They will be able to find you the best ways to keep your homeowner’s insurance premiums affordable.

Skip the dangerous this year, and stick to all-natural remedies for spring cleaning! Check out our Spring Cleaning eBook for some safe and effective ways to make your home spotless this year. Click the image to get your copy!

Spring is the Best Time for Routine Maintenance

homeowners insuranceSpring is by far the best time for scheduling routine maintenance, service, and making any necessary repairs to the A/C unit in your home before it gets too hot. Take the time now to schedule maintenance on your unit to ensure your home is safe and comfortable for the summer.

Here at Synergy Insurance Group, we’re dedicated to making sure you’re taken care of. Our insurance agents will help you find the best rates for your homeowner’s insurance. Contact us today to get a free quote on any type of coverage!

Theft and Home Insurance: Are You Covered?

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auto insurance

Criminals are always trying to plot out their next great score. Modern times allow for frequent trips to stores or the mall, kid’s lives are filled with endless activities, and we spend a lot of time away from our homes. There are big incentives for thieves to hit empty cars or homes, and Synergy Insurance Group wants you to know more about how insurance works to protect you and your family in different situations. Read more

7 Questions For Your Home Insurance Agent

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home insurance

Shopping for homeowners insurance is just as important as shopping for the right home. When you’re first looking at buying homes, it pays to be in the know when it comes to home insurance, because the type of policy you can get should influence the location and condition of the home you buy. Here are seven questions and answers to ask a home insurance agent before you settle on your new house. Read more