Home Insurance

Important details about Home Insurance

Home Insurance and Important Details about Your Home Insurance

Posted on by Shield Insurance Agency

Shield Insurance Blog | Home Insurance | Start A Quote Today!

Home insurance is a type of insurance that provides financial protection for homeowners and their property. It is designed to cover the costs of repairing or replacing a home and its contents in the event of damage or loss caused by various perils. Home insurance also provides liability coverage, which protects homeowners in the event that someone is injured on their property and files a lawsuit.

Types of Home Insurance

There are several types of home insurance policies available, each offering different levels of coverage. The most common types of home insurance policies include:

  • Homeowners’ Insurance: This type of insurance is designed for homeowners who live in their own homes. It provides coverage for the structure of the home, as well as personal property and liability protection.
  • Condos/Strata Insurance: This type of insurance is specifically designed for condominium owners. It provides coverage for the interior of the unit, personal property, and liability protection.
  • Tenant/Renter’s Insurance: This type of insurance is for individuals who rent their homes. It provides coverage for personal property and liability protection but does not cover the structure of the home.
  • Seasonal/Secondary Residences: This type of insurance is for homes that are not occupied year-round, such as vacation homes or second homes. It provides coverage for the structure of the home, personal property, and liability protection.
  • Heritage Homes: This type of insurance is for homes that are designated as heritage properties. It provides coverage for the unique features and historical value of the home, as well as personal property and liability protection.
  • Short-Term Rentals: This type of insurance is for homeowners who rent out their homes on a short-term basis, such as through platforms like Airbnb. It provides coverage for the structure of the home, personal property, and liability protection.

Levels of Home Insurance Coverage

Within each type of home insurance policy, there are different levels of coverage available. The levels of coverage determine the amount of protection provided and the cost of the insurance premium. The most common levels of home insurance coverage include:

  • Basic Coverage: This level of coverage provides protection for the structure of the home and limited coverage for personal property and liability.
  • Broad Coverage: This level of coverage provides more comprehensive protection for the structure of the home, personal property, and liability.
  • Comprehensive Coverage: This level of coverage provides the highest level of protection for the structure of the home, personal property, and liability. It typically includes additional coverage for perils such as water damage, earthquakes, and sewer backups.

Understanding the Perils of Home Insurance

Perils are events or circumstances that can cause damage or loss to a home or its contents. Common perils covered by home insurance include fire, theft, vandalism, and natural disasters such as hurricanes or tornadoes. It is important to review the specific perils covered by a home insurance policy to ensure that it provides adequate protection for your needs.

Personal Property Coverage

Personal property coverage is a key component of home insurance. It provides protection for the contents of a home, such as furniture, appliances, electronics, and clothing. In the event of damage or loss, personal property coverage will reimburse homeowners for the cost of repairing or replacing their belongings.

Personal Liability Coverage

Personal liability coverage is another important aspect of home insurance. It provides protection in the event that someone is injured on your property and files a lawsuit. Personal liability coverage will cover the cost of legal fees, medical expenses, and any damages awarded to the injured party.

Shield Insurance Agency

When it comes to choosing the right home insurance policy, it is important to work with a reputable insurance agency. Shield Insurance Agency represents over 40 insurance companies, ensuring that they can find the best coverage options for their clients. Whether you are a homeowner, condo owner, renter, or have a seasonal residence, Shield Insurance Agency can help you find the right policy to protect your home and family.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

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Delivery Man Saves Elderly Woman Stuck in Window

Stuck In Window For 5 Hours Delivery Man Saves Elderly Woman

Posted on by Shield Insurance Agency

FOX 13 Tampa Bay | June 29, 2023 | Stuck In Window | Home Insurance | Start A Quote!

A newspaper delivery man has become a local hero after he rescued a 78-year-old woman who had been stuck in a window for five agonizing hours.

The story unfolded when the woman, identified as Nancy Reyburn, found herself trapped in a precarious situation as she attempted to break into her own home through a window after she had locked herself out. In her desperate efforts to get inside, she became stuck.

“Because of surgery, I had with two hip replacements, I can’t get past mid-part of my leg,” Reyburn told Fox 13. “I’m reaching around the more moving I did, the worse I felt.”

Stuck In Window For 5 Hours

She was stuck in the window for five hours. No one could hear her and hope was running out.

“I was asking God, ‘please this is not the way I want to be found’,” Reyburn recalled.

And just when it seemed that all hope was lost, out of the corner of her eye, she saw the blinking orange light on top of Jose Sanchez’s car.

Sanchez said he was on his normal paper route early Tuesday morning when he heard screaming and saw Reyburn stuck in the window.

“How I screamed, I have no idea,” she said.

Sanchez stuck by her and called 911, and help was finally on the way. Some are calling him the neighborhood guardian angel.

“I’m touched, because I care for these people in this park, they’re like my family, and they’re retired, and I try to watch out for them,” Sanchez said.

“Yes, I do believe in angels and people are put in a place for that time and that night, morning was my time to be helped by Jose,” Reyburn added.

Watch the good news video below.

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Homeowners Insurance: Protecting Your Home and Family

Homeowners Insurance: Protecting Your Home and Family

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Homeowners Insurance | Start a quote today!

As a homeowner, you know that your home is one of your most valuable assets. It’s where you
and your family live, where you create memories, and where you feel safe and secure. But what
happens if something unexpected happens, like a fire, theft, or natural disaster? That’s where
home insurance comes in.

Home insurance, also known as hazard insurance, is a type of insurance that protects your
home and personal property from damage or loss. It can also provide liability coverage if
someone is injured on your property. But with so many options out there, how do you choose
the right home insurance policy for you and your family?

Affordable Homeowners Insurance

One of the most important factors to consider when choosing a home insurance policy is
affordability. You want to make sure that you’re getting the coverage you need at a price you can
afford. That’s why it’s important to shop around and compare quotes from different insurance
companies.

At Shield Insurance Agency, we understand that affordability is a top priority for homeowners.
That’s why we offer a variety of home insurance options to fit your budget. We also offer bundle
home and auto insurance policies, which can save you even more money.

Free Homeowners Insurance Quote

Before you can choose the right home insurance policy, you need to know how much coverage
you need and how much it will cost. That’s why we offer free home insurance quotes. Our
experienced agents will work with you to determine your coverage needs and provide you with a
quote that fits your budget.

Protection for Your Home and Family

Home insurance isn’t just about protecting your home and personal property. It’s also about
protecting your family. If something happens to your home, you want to make sure that you and
your family are taken care of. That’s why it’s important to choose a home insurance policy that
provides adequate coverage for your needs.

At Shield Insurance Agency, we understand the importance of protecting your home and family.
That’s why we offer a variety of home insurance options, including liability coverage, to ensure
that you and your family are protected in the event of an accident or injury on your property.

Homeowners Insurance Deductible

When choosing a home insurance policy, it’s important to consider the deductible. The
deductible is the amount you’ll have to pay out of pocket before your insurance coverage kicks
in. A higher deductible can lower your monthly premiums, but it also means that you’ll have to
pay more out of pocket if something happens to your home.

At Shield Insurance Agency, we’ll work with you to determine the right deductible for your needs.
We’ll help you find a balance between affordability and coverage so that you can have peace of
mind knowing that you’re protected.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we represent over 40 insurance companies. This means that we
have access to a wide range of home insurance options, so we can find the right policy for you
and your family. We’ll work with you to understand your needs and find a policy that fits your
budget.

Contact Shield Insurance Agency for a Free Quote Today

If you’re in the market for home insurance, contact Shield Insurance Agency today for a free
quote. Our experienced agents will work with you to find the right policy for your needs and
budget. We’ll help you protect your home and family so that you can have peace of mind
knowing that you’re covered. Contact us at (616) 896-4600 for a free quote today.

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Flood Insurance: Protecting Your Home and Family

Flood Insurance: Protecting Your Home and Family

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Flood Insurance | Start a Quote Today!

As a homeowner, you know that your home is one of the most important investments
you will ever make. It is where you and your family live, where you create memories, and
where you feel safe and secure. However, your home is also vulnerable to natural
disasters such as flooding, which can cause significant damage and financial loss. That
is why it is essential to have flood insurance as part of your home insurance policy.
Home Insurance Flooding

Many homeowners assume that their home insurance policy covers flooding, but this is
not always the case. Most standard home insurance policies do not cover flood
damage, which means that if your home is damaged by flooding, you will have to pay for
the repairs out of your own pocket. This can be a significant financial burden, especially
if the damage is extensive.

Rain Storms

Rain storms can cause significant flooding, even in areas that are not considered
high-risk flood zones. It is important to remember that flood insurance covers damage
caused by any type of flooding, not just from rivers and lakes. This means that even if
your home is not located near a body of water, you may still be at risk for flooding during
a rainstorm.

Home Flood Insurance Quote

To protect your home and family from the financial impact of flooding, you need to have
flood insurance. Flood insurance is a separate policy that covers damage caused by
flooding. It is important to note that flood insurance is not included in your standard
home insurance policy, and you will need to purchase it separately.

Home and Flood Insurance

Flood insurance can be purchased as a standalone policy or as an add-on to your
existing home insurance policy. If you live in an area that is prone to flooding, it is
recommended that you purchase flood insurance as an add-on to your home insurance
policy. This will ensure that you have comprehensive coverage for all types of damage,
including flooding.

Homeowners Insurance with Flood Coverage

If you are purchasing a new home, it is important to consider flood insurance as part of
your home insurance policy. Many mortgage lenders require homeowners to have flood
insurance if they live in a high-risk flood zone. Even if you do not live in a high-risk flood
zone, it is still a good idea to have flood insurance to protect your home and family from
unexpected flooding.

Flood Insurance Quote

If you are interested in purchasing flood insurance, it is important to get a quote from a
reputable insurance agency. Shield Insurance Agency represents over 40 insurance
companies, which means that we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Protection for Your Family and Home

Flood insurance provides protection for your family and home in the event of a flood. It
can cover damage to your home, personal belongings, and even living expenses if you
are forced to evacuate your home due to flooding. This can provide peace of mind
knowing that you and your family are protected in the event of a natural disaster.

Shield Insurance Agency Represents Over 40 Insurance Companies

At Shield Insurance Agency, we understand the importance of protecting your home and
family from unexpected events such as flooding. That is why we represent over 40
insurance companies, so we can provide you with a variety of options for flood
insurance coverage. Our experienced agents can help you find the right policy to meet
your needs and budget.

Contact Shield Insurance Agency at (616) 896-4600 for a Free Quote Today
If you are interested in purchasing flood insurance, contact Shield Insurance Agency
today for a free quote. Our experienced agents can help you find the right policy to meet
your needs and budget. Protect your home and family from the financial impact of
flooding with flood insurance from Shield Insurance Agency.

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Condo Insurance: Protecting Your Home and Your Wallet

Condo Insurance: Protecting Your Home and Your Wallet

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Condo Insurance | Start a Quote today!

As a renter or homeowner of a condo, it is important to understand the importance of having condo insurance. Condo insurance, also known as renters condo insurance or condo homeowner insurance, is a type of insurance that provides coverage for your personal belongings, liability, and the interior of your condo unit.

The cost of Condo Insurance

The cost of condo insurance can vary depending on a number of factors, including the location of your condo, the neighborhood and city you live in, and the type of coverage you choose. However, the cost of not having condo insurance can be much higher in the event of a disaster or accident.

One of the benefits of living in a condo is the sense of community and the shared responsibility of maintaining the property. However, it is important to remember that the responsibility for insuring your personal belongings and the interior of your unit falls on you, not the homeowners association (HOA).

When shopping for condo insurance, it is important to consider the coverage options that are available to you. Some policies may only cover the interior of your unit, while others may also provide coverage for your personal belongings and liability.

In addition to the coverage options, it is also important to consider the cost of the policy. While it may be tempting to choose the cheapest policy available, it is important to remember that the cost of the policy should not be the only factor you consider. It is important to choose a policy that provides adequate coverage for your needs and fits within your budget.

Shield Sells Condo Insurance

At Shield Insurance Agency, we understand the importance of protecting your home and your wallet. That is why we represent over 40 insurance companies, allowing us to provide our clients with a variety of coverage options at competitive prices.

When you contact Shield Insurance Agency for a condo insurance quote, we will take the time to understand your unique needs and provide you with a policy that fits your budget. Our experienced agents will also provide you with information about the coverage options available to you, so you can make an informed decision about your insurance needs.

In addition to providing you with a policy that fits your needs and budget, Shield Insurance Agency also provides exceptional customer service. We are committed to building long-lasting relationships with our clients and providing them with the support they need when they need it most.

Living in a condo can be a great experience, but it is important to remember that accidents and disasters can happen at any time. By having condo insurance, you can protect your personal belongings, your liability, and the interior of your unit in the event of a disaster or accident.

If you are in need of condo insurance, contact Shield Insurance Agency at (616) 896-4600 for a free quote today. Our experienced agents will work with you to find a policy that fits your needs and budget, so you can have peace of mind knowing that you are protected.

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Fireplace Safety Tips

Fireplace Safety Tips

Posted on by Shield Insurance Agency

Foremost Blog | August 26, 2021 | Fireplace Safety | Home Insurance | Start a quote today!

As the weather gets colder and your fireplace becomes more than a decorative focal point, be sure it’s up for the task of keeping your family warm and toasty – and safe. Our list will help you keep track of proper maintenance and make sure your fireplace is ready for regular use this winter.

Inspect the fireplace and chimney

Have a professional inspect and clean your fireplace and chimney each year before you begin using it for the season. If you’re using a gas or wood fireplace, open the chimney flue prior to starting the fire to let fresh air feed the flames and allow smoke to exit. Close the flue once the fire is put out.

It’s also important to keep the area surrounding the fireplace free from flammable objects. Be extra cautious of this during the holidays. Keep decorations and stockings a safe distance away from a fire and don’t ever use your fireplace to burn Christmas trees or wrapping paper. Pine boughs and paper burn intensely and can lead to a roof or chimney fire.

Gas fireplace safety tips

Gas fireplaces are exceedingly popular for their efficiency and cleaner burning properties. Enjoy them safely by acknowledging the following safety conditions:

Know your clearance zone. Many gas fireplaces have technology that makes it safe to place electronics and décor near the fireplace or on the mantle. However, certain items should never be placed within your fireplace’s clearance zone. These items include paper items like books, newspapers, and magazines; fabrics, like blankets or drapes; and wood.

Proper ventilation is key. Natural gas and carbon monoxide can kill. Make sure your flue and vents are all functioning properly.

Maintain your safety barrier. Whether it’s glass or metal, keep your safety screen in excellent condition. This will prevent flames or burning material from getting out of your fireplace, and keep flammable items from getting in.

Electric fireplace safety tips

Electric fireplaces make it possible to have a fireplace in a location that wouldn’t normally be able to fit one. The flame isn’t real, but that doesn’t mean they are without risk. As a source of heat, an electric fireplace should always be treated with care. In addition to maintaining the clearance zone discussed above, observe the following safety tips when using an electric fireplace.

Use proper cords. Many companies do not recommend using extension cords for electric fireplaces. Some will allow grounded, heavy-duty cords that are the appropriate gauge and wattage rating. Make sure to follow your manufacturer’s specific guidelines to ensure your safety.

Plug into an appropriate socket. An electric fireplace is essentially a forced air heater, and it is subject to the restrictions of a standard household socket, wiring, and fuse box. Be sure not to draw more power from your socket than it can handle, or else you run the risk of starting a real fire.

Wood fireplace safety tips

Replaced by more efficient, cleaner, and safer options, wood fireplaces are less popular than they have been in the past. However, it’s difficult to deny the ambiance of a crackling fire with real burning wood.

Consider what type of fire you want so that you can select the right type of wood. If the fire is more for aesthetics, lighter wood or a synthetic log are good choices. If your fireplace is being used for heat, oak or ash may be a better fit, since they’re heavier and burn hotter.

  • Avoid using wood from recently cut trees. They contain high levels of moisture, which can lead to more smoke and deposits forming inside the chimney.
  • Synthetic logs can burn unevenly, so be careful when using them. Even though they’re not real wood, the flue should still be open for proper ventilation as they still produce carbon monoxide.
  • Wood should be seasoned and dry – appear darker, have cracks at the ends, and will sound hollow when hit against another piece of wood.
  • Have a metal container handy when removing and storing hot ashes. Store it outside at a safe distance from your home, since embers and ashes can stay hot for a while.
  • Start your fire with newspaper, dry kindling, or organic fire starters. Never use gasoline, kerosene or charcoal starter.
  • Use a stainless steel liner to help keep the fire and ashes contained.
  • Install heat-proof glass doors to keep live embers from escaping the fireplace.
  • Look for signs of creosote and soot buildup. Creosote is a dark substance that can accumulate if the wood isn’t burning completely. It’s a highly flammable fuel and can burn at about 2000°F. Soot, which can also be flammable, is softer than creosote. Both should be cleaned out of the chimney regularly.

With these fireplace tips, you can help ensure that a cozy fire will be a safe and welcome addition to a chilly winter season.

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Failing to properly maintain your washing machine can result in expensive repairs and a shorter life overall for your appliance. Certain problems such as hose malfunctions can also result in water damage to areas of your home surrounding the washer.

8 Washing Machine Maintenance Tips

Posted on by Shield Insurance Agency

Nationwide | September 15, 2021 | Washing Machine | Home Insurance | Start A quote today!

Washing machines provide homeowners with endless utility. The ability to wash everything from clothes to bedding at home with minimal effort is life-changing. But most don’t realize there is a laundry list of washing machine maintenance boxes to check. Failing to properly maintain your washing machine can result in expensive repairs and a shorter life overall for your appliance. Certain problems such as hose malfunctions can also result in water damage to areas of your home surrounding the washer.

That said, much of washing machine maintenance boils down to proper usage of the appliance and some regular cleaning and checking of its important features. Let’s get into eight easy washing machine care tips to keep yours operating safely and effectively.

1. Check the hoses of the Washing Machine

Water damage in homes is often caused by the washing machine leaking. When the washer is the culprit, that leak can frequently be traced to the hoses. The wear and tear of regular use cause traditional rubber hoses to lose flexibility over time, and water will ultimately win that battle. You should check your hoses for cracks, blistering, or kinks every few months to confirm that none of these warning signs have developed. If they have, it’s recommended that you replace the hose. Even if your hoses remain in good shape, you should still replace them every five years or so.1

2. Clean the lint filter of the Washing Machine

A clean washer filter is essential for a well-functioning washer! Most homeowners are familiar with the lint traps in their dryers and regularly clean them out in between cycles, but did you know your washer may have a lint filter too? Newer, high-efficiency models have self-cleaning pump filters for getting rid of lint, however, many washers have lint traps for filtering the general debris that comes out of clothes and other fabrics mid-wash. If your washer has a filter, you should check and clean it at least four times per year to ensure that debris doesn’t build up and cause mildew.2

3. Don’t overload the Washing Machine

Just a few more shirts, what could go wrong? Plenty! Overloading the washer is a common mistake many homeowners make with their washers. Oversized

loads add pressure that can throw the machine off balance mid-cycle and cause damage to various parts. Just remember: you can always do another load after this one!

4. Leave the washer door open after use

The inside of your washing machine doesn’t dry immediately after the cycle finishes. Moisture lingers for a while after you remove the load and closing the washer door can cause it to stick around even longer, eventually causing mold and mildew. Always leave your washer door open for at least 15-30 minutes after using it to help air circulate and dry the inside. You can also wipe down the gasket or rubber seal around the washer door to accelerate the process.

5. Use recommended laundry detergent

The detergent you use matters. Always check your washer’s manual to see which kinds of detergent are recommended. Detergents that are too heavy in alkaline can damage the machine and any clothes or other fabrics you load them with. This is particularly important with high-efficiency models. Powdered or high-efficiency detergent can be used with these models to minimize residue build-up. Using high-efficiency detergent can also save energy since less water is required to wash it away.2

6. Clean the washer

Even a washing machine needs to be cleaned sometimes to remove detergent residue, dirt, soap scum, and hard water build-up.3 Luckily, DIY solutions of white vinegar and baking soda can be used on most washers. Simply run a cycle on hot with the solution or use a self-cleaning cycle if your model has the option. This solution can be used as high efficient washer cleaner as well.

7. Clean the drain pump filter

If you notice your washer having trouble draining, it’s time to have a look at your drain pump filter. Debris can build up in the filter and cause the drain pump to clog, preventing your washer from draining properly between cycles. You can typically find the filter on the front of your machine, either in plain sight or behind a kick strip.5 Simply unscrew and pull it out to clean.

8. Keep your washing machine level

Keeping your washing machine on an uneven surface can unbalance it, causing it to rock and vibrate. In addition to being very loud, this can also damage various parts of your washer. Make sure that your machine is on a level surface, with all four legs firmly planted on the floor.

It’s easy to forget that the things we use to clean also need to be cleaned themselves from time to time. But if left unchecked, appliances like your washing machine and dryer can quickly go from a beloved appliance to an expensive repair. It’s best to take maintenance measures first, but when hoses burst or machines start causing unexpected damage to your home, it’s important to have homeowner’s insurance. Learn what coverage a homeowner’s policy provides against water-related damage.

1https://www.tlcplumbing.com/blog/preventing-washing-machine-hoses-bursting/, Accessed July 2021
2https://www.consumerreports.org/laundry/energy-saving-laundry-tips/, Accessed July 2021
3https://www.thespruce.com/how-to-clean-a-washer-lint-trap-2147322, Accessed July 2021
4https://simplegreen.com/cleaning-tips/rooms/laundry/high-efficiency-washing-machine/, Accessed July 2021
5https://www.ariel.in/en-in/washing-machine-101/how-to-use-a-washer/how-do-i-check-pump-filter, Accessed July 2021

Disclaimer:
The information included is designed for informational purposes only. It is not legal, tax, financial, or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state, or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide, Nationwide is on your side, and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2021 Nationwide and Shield Insurance Agency

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Did you know that every year, the probability of your house getting struck by lightning is 1 in 2001? Luckily, the probability of you getting struck by lightning is only 1 in 500,0002, but that begs the question – what happens if your home is that 1 in 200?

Protect your house with a lightning protection system

Posted on by Shield Insurance Agency

Nationwide | March 14, 2022 | lightning | Home Insurance | Start A Quote Today!

What happens if lightning strikes your house

Did you know that every year, the probability of your house getting struck by lightning is 1 in 2001? Luckily, the probability of you getting struck by lightning is only 1 in 500,0002, but that begs the question – what happens if your home is that 1 in 200?

No one wants to think the worst can happen to them, but it’s important to be prepared in the instance lightning does strike because it can wreak havoc on your house, property, and family.

Lightning is extremely common across the U.S., and during severe storms, you can experience dozens of lightning strikes an hour. Lightning can strike just about anywhere, so how can you tell if lightning has struck your own home?

An average flash of lightning is around 300 million volts and 30,000 amps3 in strength. That can do some severe damage. If your home has been struck by lightning, you’ll likely experience the aftereffects almost immediately. These effects include:

  • Loud ‘boom’ that shakes the house
  • Power outage
  • Fire
  • A burning smell
  • Electrical buzzing
  • Charring
  • Holes in the roof/walls
  • Burnt electrical switches

If you notice any of these signs during a severe storm where lightning is present, it’s important to first call your emergency department to get the fire department and local authorities to your property immediately to ensure everyone is safe.

Once you’ve secured the safety of everyone in the house, you might be wondering what’s going to happen to your property – and you’re not alone. In 2021, there were over 71,0004 insurance claims filed in the U.S. for lightning losses. Luckily, most homeowners insurance policies cover lightning damages.

Nationwide offers comprehensive homeowners insurance coverage to give you peace of mind even during the most harrowing of circumstances.

However, there are steps you can take to protect your home against damaging lightning strikes.

What is a lightning protection system?

A lightning protection system is used to prevent property damage due to lightning. The system works by diverting the electric charge produced by the initial strike to the ground through the path of least resistance5.

An effective lightning protection system comprises four key compartments: copper air terminals, copper cables, copper-clad ground rods, and surge suppressors.

From the outside, the only visible aspect of the system is the lightning rods connected to the chimney or roof.

What are lightning rods?

Lightning rods are used to protect a house against damage from lightning strikes. It’s important to note that these rods don’t prevent lightning from striking, but work to divert the energy the lightning produces so it doesn’t damage your home or property.

Lightning rods must be connected to an accompanying lightning protection system to ensure maximum benefit from electrical surges and damage.

But lightning rods are just one key component of lightning protection.

Electrical surge protection

There are many steps you can take inside the home to protect against lightning damage. In many instances, lightning can cause electrical fires, so ensuring your outlets are protected is key to ensure your entire home is safe against detrimental lightning.

One way to do this is by installing a whole-home surge protector for appliances and electronics throughout the home in the case of voltage spikes. These surge protectors will limit the damaging effects of a power surge to ensure that your appliances don’t die or worse, catch fire.

Additional lightning protection tips

Thunderstorms are a common occurrence across the country, but that doesn’t mean you have to bear the brunt of weather damage.

Always make sure you take shelter during a storm if you aren’t already indoors. Being inside will keep you away from the most harmful aspects of a severe storm.

When you’re in the home, it’s important to avoid water, electronics, corded devices, concrete surface, windows, and doors6. These all provide easy access for lightning strikes to wreak havoc as electrical currents make their way to the ground.

Before your next storm, make sure to catch up on our thunderstorm tips so you can weather the storm with ease and peace of mind.

1http://lightningsafety.com/nlsi_pls/probability.html, Accessed Sep 2021
2https://www.cdc.gov/disasters/lightning/victimdata.html, Accessed Sep 2021
3https://www.weather.gov/safety/lightning-power/, Accessed Sep 2021
4https://www.iii.org/fact-statistic/facts-statistics-lightning, Accessed Sep 2021
5http://www.lightningsystemsofva.com/html/what.htm, Accessed Sep 2021
6https://www.cdc.gov/disasters/lightning/safetytips.html, Accessed Sep 2021

Disclaimer:
The information included is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state, or federal regulations. Nationwide Mutual Insurance Company, its affiliates, and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide, Nationwide is on your side, and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2022Nationwide and Shield Insurance Agency

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How to Start An Online Store

How to Start An Online Store

Posted on by Shield Insurance Agency

Nationwide Blogs | November 01, 2020 | Online Store | Business Insurance | Start A Quote Today!

Starting a business is easier than ever thanks to greater online opportunities and the burgeoning “gig economy.” For many people, opening an online store has been a major success. Some 25 million people sell products on eBay’s marketplace alone.[1]

But the process is more complicated than putting your goods on a website and waiting for someone to buy them. Before you jump in, here are some e-commerce tips and things you need to know about how to sell your products online.

Learn the marketplace for an Online Store

Selling a product online requires some advanced knowledge about how online sales and e-commerce work to prevent missteps. Regardless of what platform you’re using — eBay, Amazon, Craigslist, Etsy, or something else — you should become a customer before you attempt to sell your own products. This will familiarize you with the sales process and what to expect from it.

It can also help you because you’ll receive feedback online, which is important when opening a store. New sellers can sometimes have a harder time selling products because there’s no feedback letting buyers know what it’s like to deal with your shop. If you can use the same account to become a seller, try to get at least 20 feedback ratings as a buyer before you start to sell online.

Do market research

Just as with a brick-and-mortar store, you’ll be responsible for attracting customers and standing out from your competitors. The foundation of a successful online store is rooted in research to get an idea of what to sell online.

This is an important part of e-commerce and being an online seller. To evaluate what’s already selling, look at the list of top-selling products and get an idea of what’s happening in the marketplace. What are the high-demand, trending products consumers currently want? Do you have special knowledge about a particular industry or type of product? You may be able to leverage this background to tap into a niche market, which can help you expand your business.

Decide what products to sell at the Online Store

Before opening your online store, you’ll need to decide what kind of product you’ll be selling. From merchandise lying around the house to original products, there is a wide variety of options to consider. Whatever you decide, it’s important to choose something that you will be passionate and excited about as you will be working with these products day in and day out.

Keep a business mindset

For your online business to be successful, it has to be taken seriously as a business. That means creating a business plan, setting goals, tracking what works and what doesn’t, and using market research tools to stay on top of trends and selling prices. If this process of selling is more than just a hobby, you should treat it as such, and that means keeping your customers happy.

Providing great customer service is an important component of building and maintaining your customer base, and it can turn a negative experience into a positive one for buyers who may leave reviews about your company online. Try to respond to emails within 24 hours. Remain positive and calm when dealing with a difficult situation, and ask buyers what type of resolution they’d value from you. Let them know that you’re listening, you understand their question or issue, and you’d like to help find a solution for them. This can go a long way in favorably impacting their impression of your company.

A few negative reviews can hurt your selling rating, which is something to guard carefully. If you have a 95% seller rating but someone else has a 98% rating, regardless if their price is higher, people may pay the extra money because that higher rating appears more trustworthy and the higher rating makes buyers feel secure.

Protect your assets with insurance

As your business grows, you may want to expand your inventory to sell from a converted garage or even a rental storage unit. Many high-dollar sellers choose to keep inventory in another location after they’ve outgrown their closet, spare bedroom, or other storage space.

Make sure your inventory and any business equipment are protected by insurance. Check with your Nationwide representative to see what kind of coverage is best for your small but growing online business.

[1] http://expandedramblings.com/index.php/ebay-stats/

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When to Replace Your Roof

When to Replace Your Roof

Posted on by Shield Insurance Agency

Nationwide | September 09, 2022 | Roof | Home Insurance | Start a quote today!

Homeownership comes with lots of responsibilities, and one of the most expensive is replacing your roof at the end of its life expectancy. But before choosing to replace your roof, there are some things to consider—and you should always consult a professional before making any decisions.

How often does a roof need to be replaced?

How often a roof will need to be replaced depends on a number of factors, such as the quality of the roof’s installation, the quality of materials used, and the type of roof. Generally speaking, this is how long a roof made of each material can last: [1]

  • Composition shingles: 12-20 years
  • Asphalt shingles: 15-30 years
  • Wood shingles: 30-40 years
  • Rubber roofs: 30-50 years
  • Metal roofs: 40-70 years
  • Clay tile roofs: 50-100 years
  • Slate tile roof: 75-200 years

Harsh winters and severe humidity can cause these materials to wear down faster. Looking at your roof after high winds and intense storms can help you keep your roof in top shape. Whether conducted by yourself or led by a roofing contractor, a twice-a-year inspection of your roof might also help you spot any damage before it becomes too great. [2]

Signs that a roof needs to be replaced

While there are a few things that can indicate your roof is no longer in its best shape, any one sign on its own doesn’t necessarily mean your roof needs to be replaced. If you are worried about any visible signs of damage to your roof, a professional can help you decide whether a total replacement is necessary.

Loose, cracked, damaged, or missing shingles

Missing, loose, or damaged shingles can be detrimental to the integrity of your roof and can lead to problems such as water damage and lack of insulation. Finding exposed spots on your roof where shingles are missing or damaged can be difficult. Professionals are usually much faster at spotting missing shingles than homeowners. But if you’d like to take a look for yourself, you can safely do so with both feet on the ground using binoculars or with the help of a drone. You’ll want to look at each shingle to ensure that they’re sitting flat. Any shingles that are missing should catch your eye fairly quickly. If enough shingles are damaged or nails are exposed, patching your roof probably won’t suffice; you will need a total replacement. [2][3][4]

Signs of water damage, mold, or roof rot

Boards of wood that span the trusses of your roof are known as roof decking or sheathing. Wet wood decking leads to wood rot, which can cause issues in additional areas of your home. Your roof probably has wood rot if the roof deck has dark spots, discoloration, crumbles, or cracks; feels spongy, or has a damp, musty smell. A roofer can also detect wood rot by stepping on shingles above the rot and feeling them give more than usual. If you suspect you may have wood rot, seek the help of a professional home inspector. Initial signs of water damage to your roof may go unnoticed until the damage becomes substantial. These are some signs of water damage to look out for: [5]

  • Fungal and mold growth, which can reduce air quality
  • Bulging or bowing, which will be visible on the roof from the outside; the shingles above this part of the roof might not work properly, and the roof decking can eventually fall in
  • Damage to wood in your home, including structural wood
  • Damaged insulation, which can increase the cost of heating and cooling your home
  • Damage to other home systems, such as your electrical system, particularly if wood rot goes unresolved

Damaged flashing

Flashing helps protect your roof from leaks. It’s made of sheet metal, galvanized steel, or aluminum, and you can typically find it around plumbing vents, skylights, and chimneys. When working properly, flashing helps divert rainwater to the ground. However, when flashing fails, there are several noticeable signs: [6]

  • Cracks, dents, and bends: This makes your flashing more prone to rusting
  • Rust: If your flashing has rust, it will need to be cleaned, sealed, or replaced
  • Missing parts: Repairs should be made promptly if any of your flashings are missing
  • Holes: Sometimes small animals can create tiny holes in your roof that can result in leaks and should be sealed as soon as they are noticed
  • Leaks inside your house: You may find indicators of leaks around your fireplace, windows, skylights, and attic
  • Mold or stains on fascia boards: If your flashing wasn’t installed correctly, mold and water stains might develop on fascia boards
  • Damaged shingles or siding: This will look like bending or darkening on your shingles or siding near the flashing

A professional who is inspecting a roof for leaks or failed flashing will look out for loose nails, holes, and broken seals at flashing edges.

The current roof was installed 20+ years ago

If your roof was installed 20 or more years ago, consult a professional home inspector or roofer. Roofs typically last about 20 years, and your roof may be reaching the end of its life span. [1]

Additional consideration: Are you planning on selling the house?

A new roof can be expensive, but one benefit is that it can add value to your home. While you may not necessarily recoup the cost of a roof replacement in the sale of your home, there are still several benefits to having a new roof installed. You may be more likely to get the full asking price for your home, spend less time with your home on the market, or have shorter negotiations. [7]

If you suspect your roof is damaged or you’re nearing the end of your roof’s life expectancy, consult a trusted professional before making any decision on repairs. Your roof is an essential part of your home, protecting the structure from leaks and damages. Furthermore, Nationwide and Shield Insurance is here with personal insurance plans to protect your home in case of disaster.

[1] “How Long Do Roofs Last? 5 Roof Types and Their Lifespans,” fixr.com/resources/how-long-do-roofs-last (accessed June 2022).

[2] “How Often Should You Replace Your Roof?” roofadvisor.com/how-often-should-you-replace-your-roof (accessed June 2022).

[3] “Should I Replace My Roof? Here Are 21 Things to Consider” familyhandyman.com/list/should-i-replace-my-roof-here-are-21-things-to-considerfamilyhandyman.com/list/should-i-replace-my-roof-here-are-21-things-to-consider (accessed June 2022).

[4] “How Can I Tell If I Have Missing Roof Shingles?” hopewell-roofing.com/can-tell-missing-roof-shingles (accessed June 2022).

[5] “What is Wood Rot & When to Replace Roof Sheathing,” io.com/na/pro/building-professional-tools/roofing-101/rotted-roof-deck-how-to-replace-roof-sheathing (accessed June 2022).

[6] “Roof Flashing Failure: Why It Occurs and Ways to Address It,” negutters.com/blog/roofing/roof-flashing-failure-why-it-occurs-and-ways-to-address-it (accessed June 2022).

[7] “How Much Value Does a New Roof Add?” zillow.com/sellers-guide/should-i-replace-my-roof-before-selling (accessed June 2022).

Disclaimer: The information included here is designed for informational purposes only. It is not legal, tax, financial, or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. © 2022 Nationwide and Shield Insurance Agency

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