Top tips to prepare your home for fall

With fall just around the corner in the Frederick, MD area, it is critical that homeowners start preparing their homes for fall now to mitigate against potential insurance claims. The agents at Wellspring Insurance Network Inc. have put together these useful tips to help homeowners prepare.

Gutters and downspouts 

It is critical that homeowners have their gutters and downspouts cleaned before fall. Failure to do so could lead to clogged gutters and that leads to water damage in your home. Water damage claims can be very costly. If your home is surrounded by trees it is important to make sure the gutters remain clear through the season. 

Trim your trees 

If you have any trees that have limbs hanging over the roof, it is a good time of year to have the tree branches trimmed back. If the branches snap and come down on the roof it could cause major roof damage. 

Check your windows and doors

You will want to check the seals on your windows and doors to make sure there are no gaps. If you find any gaps, you will want to make sure they are sealed up. Not only will this prevent moisture from getting in and causing damage, but it will also help with your energy efficiency and keep your heating bills lower.

Roof inspection 

Fall is also a good time to have your roof inspected. If the inspector finds any damage it is a good time of year to have the repairs made so the roof is not further damaged during the fall season. As leaves start to put weight on the roof, it is imperative to make sure it is structurally sound which an inspection will confirm. 

If you are interested in learning more useful tips to avoid insurance claims and repairs for fall, reach out to an agent at Wellspring Insurance Network Inc today. We proudly serve the Frederick, MD area.

Is basic auto insurance enough coverage

When it comes to auto insurance you may be asking yourself  "is basic auto insurance enough coverage"? In the state of Maryland, basic auto insurance is 30/60/15. This is liability coverage that protects other drivers and passengers in the event of an accident where you may be at fault. The state also mandates that you have an equal amount of coverage for uninsured and underinsured motorists. When you have questions about the amount of auto insurance you need Wellspring Insurance Network Frederick, MD has the answers you need. 

The reality of the question is basic auto insurance enough coverage is it depends on you and your vehicle. Do you have assets? You may need more than basic liability. Do you have a lease or a loan on your vehicle, if you do, basic insurance is not going to be acceptable to your lender. You need to have collision and comprehensive coverage in addition to the liability. These coverages protect your vehicle in the event of an accident if you are at fault or partially at fault. Most people can’t imagine being without a vehicle which makes these coverages something you should consider even if you don’t have a car loan or lease. 

Collision coverage repairs or replaces your vehicle in the event of a collision. The policies do have limits so be sure you have what you need. Auto policies come with a deductible, commonly $500 or $1000. It is less expensive to have a larger deductible but it means you pay more out of pocket. 

Comprehensive insurance covers for events beyond your control such as theft, vandalism, and weather (hail, wind, rain). 

Basic auto insurance coverage may be enough for you or it may not be right. Talking to the knowledgeable team at Wellspring Insurance Network Frederick, MD will help you to make the right decision. Stop by the office or give us a call for a quote.