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Protect Your Home While Using a Grill with Homeowner’s Insurance

Summer is the perfect time to open up that grill and start cooking some burgers. But did you know that a grill can actually be considered a hazard to your home? A flame that gets out of control, hot coals or even simple smoke damage can all be reasons to file an insurance claim. Yet if you don’t have a quality homeowner’s insurance policy, you might not be covered, leaving you with lots of expensive bills to pay. This is an obvious cause for concern.

How can you protect yourself if your grill does cause damage? And what can you do to prevent any damage from occurring? Well, read on to learn about some basics of grill safety, along with some tips about homeowner’s insurance.

Grill Safety Basics

The first thing you should be aware of when it comes to your gas or charcoal grill is the structural soundness of the grill. Check your grill for cracks or brittleness. If there are any structural issues, you may need to repair or replace it. If there are blockages, use a pipe cleaner to clean those out. Blockages can cause a dangerous buildup of flammable materials, so you want to check for this regularly.

When you’re actually grilling, keep the grill away from your house or garage. Operate it on a level surface, so everything’s even. Don’t let children or pets near your grill. Also, to protect yourself from burns, use oven mitts that reach high on your forearms. Finally, do not store or put your grill away until it has completely cooled down. If you store it beforehand, it may cause a fire.

If There’s an Issue

If in fact you do encounter an out-of-control fire or too much smoke while grilling, be careful. Keep a fire extinguisher close at hand for any events like these. Don’t automatically throw water on a flaming grill, as that could produce more smoke, causing breathing issues, as well as make the fire worse. And of course, call 911 if there is a true emergency.

How Homeowner’s Insurance Can Help

If you only have minor damage to your home, you may not need to file a claim. It could potentially not be worth it if you have a large deductible. In the case of major damage, homeowner’s insurance usually covers damage to the house and personal possessions, as well as damage to insured properties like an unattached garage and injuries to any guests.

Interested in learning more about how homeowner’s insurance can help you enjoy peace of mind while grilling outdoors? Contact an ABCO agent today.

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What Prevents Homeowners from Being Approved for Insurance?

After shopping around and finding the right insurance, some homeowners are shocked to find they have been denied coverage. It’s not as uncommon as many searching for insurance are lead to believe. There are five common factors that often lead to insurance coverage being denied.

  1. Credit History. While your history of credit isn’t the only factor in being approved for insurance, it is certainly a factor. Insurers will want to see that you are not a liability and can make your payments.
  2. Geographic Location. Depending on how risky where you live has been deemed, you may not be able to get insurance. For instance, due to the wildfires in California, it is much more difficult to get coverage.
  3. Claim History. The more claims you have in your history, the bigger risk you are to insure. Claims can do more than just higher your premium; they can affect whether you can renew or get a new policy. Typically, insurers try to stay clear of those who have filed a claim in the past three years. If you’re close to the three-year mark of your last claim, it could pay to wait the remainder of the time before trying for a new policy.
  4. House Materials. Depending on the materials used when building your home, your roof and siding could be more susceptible to damage from weather elements, UV rays, and even deterioration that begins inside. Keeping everything in working order and performing regular maintenance will help you be approved for coverage.
  5. Pet Breed. Dog owners may have a harder time finding insurance, depending on their dog’s breed. Since dog bites account for one-third of all liability claims, insurance companies tend to steer away from dogs with a history of aggression or a breed that is considered aggressive.

If you are concerned about renewing a homeowner’s policy, don’t do it alone. Contact an ABCO agent today and we will work with your specific needs to find the right insurance company and policy for you. We take all factors into account before applying, taking the stress out of homeowner’s insurance.

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How to Save Money on Teen Car Insurance Rates

Adding a teenage driver to your policy could cost more than many unsuspecting parents realize. In some states, a rate can increase as much as 227% after adding a teen to an existing policy. While the cost will be much larger than adding an adult due to the inexperience of teen drivers, there are some ways to cut down on some of the costs.

Discounts for Teen or First Time Drivers

  • Good Student. For students with a GPA of 3.0 or above, or rank in the top 20 percent of their class, they could save anywhere from 5 to 25% on their insurance, depending on the company.
  • Driving Training Program. There are options in driving school and defensive driving classes that can save your teen between 5 and 15 percent on their insurance rates. Some insurance companies feel the driver’s education courses are part of the licensing process, but most give a good discount for defensive driving.
  • Low Mileage. If your teen only drives to school and back, or only runs errands, they could save big. These discounts start at 10,000 miles, but those that drive 7,000 or 5,000 annually could have huge savings.
  • Special Programs. Some insurance companies have their own programs set up for discounts. If your teen completes one of these programs, they could get a chunk cut out of their policy. These discounts vary highly from company to company.
  • Family Plan. Adding your teen driver to your plan could save on their premium through a family plan.
  • Student Away. If your child will be attending college more than 100 miles away and won’t be taking a car, they can get a significant discount since they won’t be driving. The discount can range between 5 and 35% off.
  • Car Monitors. Pay as you drive programs could be the best bet for a responsible teen driver that doesn’t use the car much. It tracks miles driven, braking, speed, and time of day to give significantly discounted rates.

Getting their first license and car should be an exciting time for a teen. Contact an ABCO agent today to shop around the different insurance companies and find out what discounts can work in your teen’s favor today!

ABCO Insurance - Renters Insurance

Avoid Traps When Renting Your First Apartment

Getting your first apartment can be exciting, but it can also quickly turn into a nightmare of hidden costs and financial pitfalls. For those who have rented before, it becomes far easier to avoid costs and to know what to look for in a new place, but where do you start when it’s your first time?

Understanding the snares that trap first time renters can help avoid costs, extra time and loss of your peace-of-mind.

Read the Lease

While it may seem like a good idea in the moment, it’s not a good idea to simply skim your lease agreement. This is the first and biggest mistake most first time renters make. When talking to a potential landlord, they will often word agreements verbally in a way that seems agreeable, but they are working in service of their own profits most times.

Take a Good Look at the Place

In the excitement of your very own place, you may just skim the area. It is important to look at more than how much space you have. Instead, check for damage and have it indicated on a legal document that the damage occurred before your move-in.

Also, check the security and if the doors and locks work well. It is also important to check water pressure that the bigger appliances work, and that the burners of the stove come on.

Put Everything in Writing

Don’t leave important agreements up to hoping your landlord is a good person.

This is especially important when you own a pet. A lot of first time renters assume if a lease doesn’t say they can’t have a pet, they are fine to move their furry family members in. Having it in writing protects you from having a huge issue down the line and will help clarify the contingencies of your pet agreement, such as how much extra you pay and how many pets are allowed. Other financial agreements should also be clearly written out on a formal document to ensure your agreement holds up.

Buy the Right Renters Insurance

Renter’s insurance can be difficult to figure out, and not all insurance brokers are on your side. If a water pipe breaks, you could lose out on all the new furniture you just spent your savings on. However, be sure to look over every word of the insurance agreement. Be sure to understand what type of insurance you have and under what circumstances, and not just how much value for which you are covered under the policy.

If the ink is still wet on your first apartment’s lease, contact your ABCO agent to make sure you have the renters insurance you need to protect yourself and your assets. Contact us today!

ABCO Insurance - Restaurant Insurance

A Beginner’s Guide to Restaurant Insurance Basics

Opening a new restaurant can be daunting. From fire regulations to finding the best equipment at the lowest cost, it’s easy to overlook important insurance information in your policy. When it comes to insurance for restaurants, the lower price is often not better, and may wind up costing you more eventually.

How do you avoid these unnecessary costs? The first step is understanding what each part of your insurance does to protect your business.

Common Restaurant Insurance Types

  • Property insurance. This type of insurance covers exactly what it says: your property. However, many property insurance policies leave out natural disasters such as flooding, and may have limitations in fire coverage. Be sure to understand how much this insurance covers for the price you pay.
  • General liability. In general liability, your restaurant has an umbrella coverage for things like slip and fall accidents and patrons becoming ill, regardless of fault.
  • Liquor liability. If you have a liquor license, your general liability won’t cover everything. This specific insurance gives you the right protection against patrons drinking and driving from your establishment, along with other liquor-related protections.
  • Auto liability. Planning to offer a delivery service? Be sure to check if your general liability covers your vehicles. If it doesn’t, this insurance can help cover accidents and other damage you may not foresee.
  • Workers’ Compensation. Accidents happen. Even the most seasoned staff members can be injured at work. This coverage will save your business costly bills in the event your workers are injured.
  • Unemployment insurance. This type of insurance covers employees after they no longer work for your establishment. There are many laws and regulations that govern what type of insurance your business is required to offer.
  • Life insurance. One of the more overlooked types of insurance, this type of policy can help satisfy a lender helping with your mortgage and financing. It is also good sense to have this type of policy in general to ensure your family isn’t left with bills they can’t afford should anything happen to you.
  • Fire insurance. Your property insurance will cover fires, but it may not be enough. Be sure to understand how much coverage you have in the event of a kitchen mishap.

ABCO Insurance will help you find just the right amount of restaurant insurance your business needs to protect employees, guests and your assets from accidents. Call us today at 888-400-2226!

Commercial Insurance 101: What Coverage Comes with General Liability Insurance?

Liability Insurance

Small business insurance is critical.

Even if you do not have employees, you have liabilities as a business owner; therefore, you need adequate coverage.

The most basic form of commercial insurance, and one that every business should have is general liability insurance.

The coverage for general liability is typically the same for most insurers, but it is important that you review your existing policy and make sure you have adequate coverage and getting the most out of your coverage.

Items Covered by Your General Liability Commercial Insurance

  1. Lawsuits and Settlements

Your general liability insurance covers you in the event your business is sued and a judgment is awarded. It also covers medical expenses in case of a bodily injury lawsuit.

  1. Injury Damages

If there is a claim against your small business for bodily injury or property damage, you should have coverage through general liability to cover these losses.

  1. Advertising Injuries

Your general liability insurance should protect you in the event your advertising violates a copyright for someone’s advertising or branding.

  1. Electronic Data Liability

Your general liability should have some coverage for electronic data. This includes breaches or data that is lost during a hacking or natural disaster, computer malfunction and more.

Items Not Covered by General Liability Commercial Insurance

  1. Employee Injuries

Employee injuries do not fall under general liability; instead, you would need workers’ compensation coverage to help employees if they are injured while performing job duties.

  1. Professional Errors

If you offer a professional service to customers, you may not have adequate coverage with just general liability. Professional mistakes are not covered under general liability policies; therefore, you need professional liability coverage. This is especially true if you are at risk for a lawsuit for your solutions, services or opinions shared with customers.

  1. Punitive Damages

While lawsuit costs are covered through general liability insurance, punitive damages are not. Punitive damages are those designed to punish a defendant in a civil liability case. So, they would require gross negligence or malicious acts. Rarely would general liability cover these types of damages.

  1. Warranty of Work

General liability does not include your company’s warranty on your work. It is known as the workmanship exclusion, and most general liability insurance policies will have clauses that explicitly state the warranty is not covered by the plan itself.

  1. Auto Coverage

You need a business auto insurance policy if you have company vehicles or have employees that drive company-owned vehicles. Your general liability insurance will not cover any auto-related accidents or damage.

Speak with an Insurance Agent About Adequate Commercial Insurance

Every business is unique, and every business has a different set of commercial insurance requirements. Depending on your net worth, company operations and the number of employees, you may need more coverage or less coverage. So, it is best to speak with an insurance broker that can perform a risk assessment and help you find the right mixture of policies to protect your assets.

Why $1 Million in Umbrella Insurance Coverage is Not Enough for Many Businesses

Umbrella Insurance

As a business owner, you know the importance of insurance coverage to protect your assets.

You have general liability, and you might even have an umbrella policy. However, the amounts of your coverage could significantly impact how your company recovers. Homeowners are encouraged to have a minimum of $1 million in umbrella insurance, but this may not be enough for a small-business owner.

When your company lacks proper insurance coverage, you may be forced to pay the judgment from business assets and possibly future earnings. In this case, it is unlikely your company would survive the storm.

Why Umbrella Insurance is Necessary for Every Company

Even if you have general liability coverage, you may face a settlement or repair that exceeds your liability coverage limits. Without umbrella coverage, also known as excess liability insurance, you would have to pay the expenses out-of-pocket.

For a small premium, you can protect your company, employees and business assets. Your umbrella insurance policy adds a layer of protection along with the numerous other policies you could hold, such as employer’s liability, general liability and more.

Also, the SBA recommends getting umbrella insurance, as most contracts will require a company to have general liability as well as umbrella insurance before doing work on their behalf.

Personal Injury Settlements Exceed Most Policy Limits

Forbes points out that 13 percent of personal injury liability lawsuits and settlements exceed $1 million. Also, this does not account for the lawyer’s fees that you would have on your end to defend your company, costs of repair inside your building, or having to shut down and miss sales opportunities during a lawsuit or investigation.

With a higher umbrella policy, you could cover these costs as well as the chance of a higher settlement.

Forbes also recommends having coverage that is equal to your small business net worth as a minimum. If you have limited coverage, you could be forced to liquidate your company to pay for the judgment, so having coverage that equates to your present value of income is also important.

Umbrella Insurance Coverage is Not as Expensive as You Think

Considering the protections and coverage that comes with umbrella insurance, the cost is more than reasonable.

An umbrella policy averages $150 to $300 per year for a $1 million limit, says the Insurance Information Institute. The more you add to your policy, the higher the policy costs increase. For example, the next million you add to a $1 million policy will most likely cost about $75 per year in extra premiums, while each million after that is just $50 per year.

When deciding how much umbrella insurance your small business needs, consider your existing policy limits, and risks your business carries. Then, speak with an insurance agent to have your business insurance needs assessed based on your net worth, company assets and potential liabilities.

Does Your Home Have Any of These 9 Dangerous Electrical Outlets?

Dangerous Electrical Outlet - Electrical FireElectrical fires can be severe.

In fact, home electrical fires account for 51,000 fires per year and more than 500 deaths, says the Electrical Safety Foundation International.

Approximately 5,300 fires are caused by electrical receptacles, and most of these fires are easily prevented with routine maintenance and knowing the warning signs of a faulty outlet in your home.

If you are like most homeowners, you do not think much about your wall outlets. You know how to plug in items correctly, and you are careful not to overload them, but what about the dangers lurking behind that plastic plate?

The National Fire Protection Association contributes 2,590 home fires per year to faulty outlets, and homeowner’s insurance pays the tab of $94 million in property damage per year.

As a homeowner, you need to be proactive and ensure your home does not have dangerous outlets. This includes ensuring they are in the right place and safe, working condition.

Warning Signs of a Potential Outlet Hazard

  1. Your Outlet is Next to the Shower or Bathtub

An electrical outlet should always be as far from a water source as possible. Therefore, you should have a minimum of 3 feet between your outlets in the bathroom and your bathtubs and showers. While a GFCI receptacle improves the situation and may be safe enough to leave it, it is best to contact an electrician and have the outlet moved; the cost is much less than the cost of losing your home in a house fire.

  1. Outlet is Next to the Wash Basin

An outlet can be located off to the side of a sink or wash basin, but it cannot be directly over it. Otherwise, you may have a cord that rests inside the wash basin, which could potentially rest in pooling water and lead to a short or fire.

  1. Overloading the Outlet or Power strip

Outlets, even with multiple plug options, are not capable of handling massive loads. Power strips extend a number of items a single outlet can handle, but they too have a capacity. When you plug multiple high-voltage items into a single outlet or power strip, you run a high risk of overloading that circuit.

Also, adapters plugged into a power strip to allow additional plug-in space increases the risk even further.

Always select a model that has a circuit breaker attached when purchasing power strips. If that power strip becomes overloaded, the circuit will trip, and you can avoid a fire and costly claim submitted to homeowner’s insurance later.

  1. Unprotected Outlets

Young children are fascinated and often drawn to outlets.

If they were to place a finger over that strip, they might be shocked or burned. Also, if a child were to insert a metal object into that outlet, they could cause severe electrical shock but also cause a fire.

Child safety wall plates are the best solution, but if you do not want to replace the outlets in your home, you can install plastic outlet covers.

  1. Cracked Outlet Covers

Sometimes it is not the outlet or the wiring behind the outlet; instead, it is the outlet cover.

Cracks and missing pieces on the outlet cover allow dust and debris to accumulate next to the electrical wires. This in turn could lead to a devastating fire; especially if there is a short in the outlet.

  1. Loose Outlets

Have you ever plugged something in only for the cord to quickly fall back out?

Over time, the blades inside an electrical outlet become loose. While it is a nuisance to you, loose blades are also an extreme fire hazard. These free blades cause extra heat to generate, which may lead to a fire.

If you notice your outlets are no longer keeping plugs in, replace them.

  1. Forcing a Plug into an Outlet

Older homes may have oddly shaped outlets that do not accommodate all types of plugs.

While you may think you could jam in that appliance, these outdated electrical outlets must be replaced first. Forcing the plug into where it doesn’t fit can cause permanent damage, but also cause an electrical fire.

  1. Outlets that Work, then Don’t Work

Sometimes an outlet works fine, but other days it is not functioning. This could be an indication that there is a problem with the outlet or the wiring to the outlet. Do not attempt to fix this yourself; instead, contact a qualified electrician to diagnose which component is faulty.

  1. GFCI Outlets No Longer Grounded

Modern homes come with GFCI outlets pre-installed. These often have indicator lights on the outside of the outlet, letting you know if the outlet is safely grounded.

The Bottom Line: Knowing the Warning Signs Could Save Your Home and Your Life

While your homeowner’s insurance policy covers fire damage and the unexpected, it will not replace the memories and items you have collected over the years. You can protect your home and your loved ones just by monitoring your outlet usage and looking out for the warning signs that you have a potential outlet hazard.

By being a proactive homeowner, you can lessen the chances you will have a household fire in the future and give yourself peace of mind.

Make Sure Your Homeowner’s Insurance Policy is Up-to-Date

While you are going around the house checking outlets and looking for potential hazards, do not forget to check your homeowner’s insurance policy annually to see if you have the right amount of coverage for your home’s value as well as your possessions.

Get quotes on new homeowner’s insurance policies by contacting ABCO Insurance Agency today at 888-400-2226 or contact us online.

Clear Those Winter Hazards Quickly to Avoid a Premises Liability Issue Later

Winter hazard - icy sidewalkWinter can make life complicated.

From the longer commute times to work to poor weather conditions, and of course, the snow and ice.

As a homeowner, you are required by law to remove that snow and ice from your sidewalks. While you can let it pile on the driveway, your sidewalks and entries to your home must be cleared and safe for visitors, delivery personnel and more.

Premises liability addresses a property owner’s responsibility to offer visitors a safe place. The most common type of premises liability cases in the winter are slip and fall.

Slip and fall cases are incredibly complicated, especially because the issue of who clears the snow and when it should be cleared creates numerous legal questions.

Who is Responsible for Clearing Snow and Ice?

As a homeowner, you are responsible for all snow and ice removal on your property. This typically includes sidewalks, walkways and driveways. Any areas where people must walk on your property must be cleared to prevent slips and falls.

If someone was injured, you could be legally responsible for their injuries and the financial burden of those injuries.

Somethings to Consider about Snow and Ice Removal

Say a mailman was walking up to your door to deliver a package. If he or she were to fall on the ice you failed to salt, you could be responsible for all their injuries.

With your homeowner’s insurance policy, your policy might cover some of the costs if that person is injured, but only to the maximum value of your policy.

If the medical costs are higher than your policy limits, you could be personally liable for the remaining costs.

Snow and Ice Must be Cleared in a Reasonable Amount of Time

Under most premises liability laws, it is required that you remove snow and ice within a reasonable amount of time. What is “reasonable,” however, is not always defined by law. Therefore, it was difficult to decide what a reasonable timeframe was.

Naturally, if the snowstorm just hit and someone fell within a few minutes, that is not a reasonable amount of time. However, having snow that sits on your walkway for three days is more than reasonable.

Tips for Avoiding Premises Liability

Homeowners can do things to prevent a premises liability claim against their home in the future, most of which is common sense or just acting quickly.

As a homeowner, you can respond quickly by clearing your sidewalk as soon as possible, especially if you live in an area that receives snow and plenty of foot traffic. Also, do not forget that small children will be walking on your sidewalk to go to school in the morning. So, it is in your best interest to remove that snow before school hours.

Before the snow and ice arrive, have salt treatments on hand. Some homeowners put a bucket of salt on their porch so that they can sprinkle it every time it looks icy.

Act When Out of Town Too

If you are out of town, you are still responsible for clearing snow and ice from your property; after all, the world will not stop using your sidewalks just because you are out of town. Therefore, it is your responsibility to make arrangements with a company or friend to clear your sidewalks and salt the icy walkways while you are on vacation.

Keep on Top of Snow Removal

Snow is easiest to remove when it is in light layers. The more you allow to accumulate, the harder it will be to remove. A snow blower does better on larger volumes of snow.

So, if you do not own a snow blower, go shovel as the light layers of snow first appear so that it is easier to lift and keep from your driveway and sidewalks.

Do Not Forget About Icicles – a Premises Liability Issue

You may be diligent about removing snow and ice from walkways and your drive, but what about icicles?

If an icicle were to break off, it could severely injure someone, and you would be just as responsible for that injury.

Check your gutters and downspouts to ensure they are draining properly. When water pools inside of them, it will eventually freeze and form icicles. Also, if your downspout is not draining properly, it may leave icy patches on the sidewalk or walkways below.

If there are any icicles present, it is in your best interest to place cones around that area so that no one walks underneath them and puts themselves at risk. By placing cones or tying off the area, you are being proactive and preventing injuries.

Look for Other Tripping Hazards That Could Spark a Premises Liability Lawsuit

While snow and ice are your most common winter hazards that can cause a dangerous slip and fall, you still must look for other dangers.

Uneven sidewalks can lead to trips and falls; therefore, have them repaired or put warning signs so that people walking on them know there is rough pavement.

Also, keep all driveways and walkways to your home well lit. If someone were to fall because it was too dark in front of your home, you are just as responsible as if they slipped on ice. To save on electricity, you can use motion sensing lights to click on when someone walks up to the house and turn off after a few minutes.

Verify You Have the Coverage

Not all homeowner’s insurance policies cover premises liability issues. Therefore, now is the time to review your policy and make sure you are protected. Whatever insurance cannot cover will become your personal responsibility, so ensure you have adequate coverage.

Contact ABCO Insurance Agency to explore your options for homeowner’s liability coverage by calling 888-400-2226 or contact us online.

Buy a Roof Rake to Protect Your Roof from Excess Weight in Winter

A Roof Rake Can Help Prevent a Costly Homeowner's Insurance Claim

It can be easy to take a good roof for granted, especially if it has never experienced a problem before. Your roof may be performing its intended function of keeping moisture and the elements from dropping in on your home, but certain seasonal conditions can put your roof at greater risk.

We all know that roof maintenance isn’t the most exciting task. In fact, it’s something that many homeowners elect to put off until a problem arises. But a bit of preventive maintenance can help you stop a lot of these problems from occurring in the first place.

Does your homeowner’s insurance cover you if the weight of a heavy, unexpected snow damages your roof? And even if it does, do you really want to deal with this type of inconvenience? Sometimes something as simple as a roof rake can be enough to protect you from this issue during the winter season.

How Much Snow Can a Roof Handle?

Admittedly, the thought of a roof becoming damaged is enough to make any homeowner feel stressed. Even minor damage can be catastrophic to the inhabitants and property inside a home. And while every roof is at risk for this type of problem if the weight of the snow gets too heavy, each roof is different. Some can handle more weight, but it is best not to take chances.

Even if your homeowner’s insurance covers damage to your roof, no one wants to deal with this type of problem. We all know how frustrating even a small leak can be – imagine sustaining major damage to an entire roof! The good news is that the excess weight on your roof can be cleared off using the right equipment. A roof rake makes sure you aren’t risking roof damage when the winter snow begins to pile up.

Why You Shouldn’t Risk It

Let’s say you live in an area where the winter weather isn’t too bad usually. Unless your area has never seen a freak snowstorm come in, it is better to be cautious and invest in a roof rake. Doing so gives you the tool you need should this type of problem arise. And if the item doesn’t end up finding use during the winter season, it can be easily stored away.

How to Gauge Your Roof’s Tolerance

If you want to know exactly how long you should wait before breaking out the roof rake, you should use the size of your roof as a guiding factor. Any more than 20 pounds of snow per square foot could cause damage to your roof, especially if it is older or not built to hold up to the winter weather.

Double-Checking Your Roof’s Weight Limit

If you aren’t sure about how much snow your roof can safely handle, you may want to check with building authorities or architectural experts to get an analysis. This is a part of the process for acquiring homeowner’s insurance in some cases, so this can be a good opportunity to find out how much weight is too much.

What to Know About Snow Accumulation

When snow accumulates on your roof, you may begin to take notice – especially if you’re worried about the weight of the snow posing a threat to your roof’s well-being. The solidity of a roof depends on its ability to balance weight properly, but sometimes a large snowfall that stacks up quickly thanks to cold temperatures can be too much for a roof to handle.

When a roof is built in such a way that it is noticeably slanted, snow and ice can run off as the temperature warms up. But even in this case, a heavy buildup can damage certain areas of the roof quickly. A roof rake can make it easy for you to handle buildup and stop it before things get too bad.

How Easy is it to Break Up Snowfall?

If a large amount of snow has fallen quickly on your roof, you may be able to break it up with a roof rake. Sometimes the way snow falls means that it can pack together quickly, so working on part of it can mean you disrupt the entire accumulation. This can help accelerate the melting process provided the climate is warm enough.

How Ice Complicates Matters

A layer of ice is much harder to get rid of than a pile of snow, so keeping an eye on the temperature can help you make sure you have as much time as possible to prevent ice from forming on your roof. Keeping the snow off improves your changes of avoiding the freezing temperatures which can make snow temporarily difficult to remove.

When Snow Removal is Necessary

Breaking out the roof rake and tending to your home’s roof can be a very involved task, and most people would rather avoid it unless it is absolutely necessary. But in some cases, there are no alternatives to treating your roof if you want to avoid damages.

Whether you’re dealing with fresh snow, packed snow, ice, or any combination of the three, every second you wait is another second that your roof has to sustain a large amount of weight it may not be designed to handle. Even a robust roof designed for winter weather isn’t impervious to damages when conditions get bad enough, so investing in a roof rake can be a wise move for any person.

How Long Does It Take to Clear Your Roof?

The time it takes to clear your roof can vary depending on a number of factors. But one thing is certain – letting snow sit on top of your roof for long periods of time can have negative consequences. Most people would rather exert the effort to clear their roof off periodically during a snow storm using a roof rake if their other option was shelling out for costly repairs. A bit of simple maintenance with this type of tool can go a long way in protecting your roof in winter weather.