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...t epoxy injection system that will bond cracks chemically,” he adds. Window...

In an earlier article, we discussed tips to get your home ready for the fall season.  These tips are important, so there could be no potential denial of coverage should you need to file a claim. In this article, we want you to know what happens when you don’t clean out your gutter and the potential damage it could cause. Leaking gutters.  On the extreme side leaky gutters can also cause leaky roofs, mold, and it can rot away at the surroundings. Leaky roofs.  If your gutter is filled with debris, any rain, snow, or ice, won’t be able to go anywhere, causing a leaky (and expensive repair) roof. Basement leaks.  Gutters usually end up at the foundation of the house.  If there is any damage to the run off, then the water can wind up in your basement. Rotted Wood.  Some houses and/or foundations are made of wood.  If the gutter is not properly taken care of, the build-up will cause wood to rot. Cracks in foundation.  Same principle as above.  Any debris left can create cracks in the foundation. This fall, don’t let your gutter get the best of you.  Stay tuned for Scurich’s tips to clean out your gutter. Content provided by Transformer Marketing.

...ing your roof, or buying stronger roofing materials. Older homes can be retrof...

Homes take a beating on the outside, from wind, rain, sun, insects and snow. Summer gives you a chance to repair damage, protect your home and keep its face to the world looking bright. Home maintenance is like housework, flossing and exercise: You might as well work it into your routine, because the penalties are worse than the jobs themselves. Here’s just one example: Cleaning the gutters costs nothing if you do it yourself, and roughly $100 to $200 if you hire a service. Ignore the job, though, and a ruined roof or damaged foundation could cost you thousands or tens of thousands of dollars to repair. Here’s why: Leaky or overflowing gutters can rot fascia boards (the roof edge under the gutters), soffits and rafters. Water may drip onto window trim, rotting it. Leaky gutters let water pool at the foundation, causing basement leaks, mold and even foundation damage. 1. Paint Fresh paint doesn’t just make your home look great. It’s a protective skin against UV light and moisture. Earth911 tells where to get free paint: Many household hazardous waste (HHW) facilities around the country have product exchange rooms, sometimes called swap rooms or swap shops. These rooms offer safe, unopened HHW items for public consumption, keeping them out of the landfill and letting you save some money. Call your city to ask about your local HHW facility. Other sources for cheap paint: Habitat for Humanity’s ReStores (find one near you) sell “gently used” tools and supplies for home projects at low cost. See EcoBusinessLinks’ national directory of recycled and surplus building materials and suppliers. Search online for a city’s name and “salvaged building supplies” or “recycled building materials.” 2. Mulch Laying a 1- to 3-inch layer of mulch on garden beds spares a lot of weeding. Mulch smothers weeds by depriving them of oxygen and light and it holds moisture in the soil, saving water and giving plants a consistent source of moisture. Mulch includes many materials placed on the ground to prevent weeds from growing, including rocks, gravel and plastic. Leaves, grass clippings and tree bark are organic materials most often used on garden beds. Hay and straw also are used in vegetable gardens. Organic mulch breaks down into nutrients that feed plants. Be careful in vegetable gardens to avoid mulch with pesticides, herbicides or other garden chemicals. Also, used incorrectly, mulch can damage or kill trees and ornamental plants by depriving them of oxygen, so leave a 3- to 5-inch space around stems of younger plants and give mature tree trunks eight to 12 inches. North Carolina State University’s Cooperative Extension Service explains how to safely use mulch. Free or cheap sources of mulch: Grass clippings. Let them cool down before mulching. Raked leaves. Shred first with a shredder or lawn mower so air and moisture can reach the soil beneath. Shredded wood or bark. Electric utility companies and tree services may have cheap or free wood chips or shredded bark. Also, some cities collect leaves and branches, chipping them for use by local residents. Cardboard. Ask recycling centers and appliance stores for free cardboard. Wet it down, cut it to fit and place it around plants, covering with soil or bark mulch. This is best in wet climates where cardboard breaks down into the soil. WikiHow gives instructions on using cardboard and has more ideas for cheap mulch. 3. Seal wood decks The cheap way to approach this job is to do it yourself. It’s not difficult, although it’s nice to have help. You’ll spend a couple hundred dollars on supplies and rented tools. Do it annually or every two to three years, depending where you live. Ignore the job long enough and you’ll need to replace the deck, at a cost of thousands of dollars. Read the entire article here. Read more at http://www.moneytalksnews.com/2014/06/02/12-cheap-and-easy-summer-home-projects/#4f2LmYs5xjDE2Rbw.99

...ilable on site. For example, on a roofing job, think about such potential fall...

Last night there was a storm and some of the tiles came off of your roof. Which conversation would you prefer? 1. “Hi Mary, this is John Smith. Some of the tiles came off my roof last night.” “Oh I’m sorry Mr. Smith, yes that storm was really something, wasn’t it? We’ll get help to you right away.” 2. “All our representatives are busy with other customers. Your wait time is approximately 20 minutes. Please hold.” Customers have expressed their greater satisfaction when they have a local agent. A recent study measured the satisfaction of homeowners when they had to file a claim for damages covered under their homeowner’s policy. Local agents are known as the “personal insurance industry”.  Those who have to go through direct channels – typically online or by calling a call center- are much less satisfied with the results. Satisfaction is 50 points higher among customers who file a claim through their agent  than among those who file a claim through “direct channels” For the industry average, the call center experience fails to deliver the same level of service as an agent. Especially during times of hardship when someone’s house has been destroyed or their valuable possessions have been lost, it’s difficult for a call center representative to replicate the personal relationship customers get with an agent. California is subject to storms that can happen at any time.  Your home is probably your largest investment and surely you would like the best coverage and service for it.  Scurich Insurance Services is your local agent.  Why not call them today for a free quote and suggestions for what you need.  They will be ready to help you when you need it. Scurich Insurance Services has proudly served the Monterey Bay area since 1924.  Scurich will take care of all of your insurance needs.  Are you a business owner, did you get a new car or maybe you are looking to protect your family in the event of a tragedy?  Give us a call, we can help! Let Scurich Insurance Services know if you are a Happy Customer! We are located at: Scurich Insurance Services 320 East Lake Avenue, PO Box 1170 Watsonville, CA 95077-1170 Office: 1-831-722-3541 Toll Free: 1-800-320-3666 Website | Facebook | Blog | LinkedIn | Happy Customer

Enjoy longer days and warmer nights while protecting your investment. Summertime is the best time to be outside enjoying the weather. Make sure your deck or patio is ready for the summer sun by keeping in mind the seasonal maintenance tips below. Check deck or patio for possible deterioration and safety hazards such as loose boards and protruding nails. Check electrical outlets for potential fire hazards such as frayed wires or loose-fitting plugs. Be sure not to overload electrical outlets, fuse boxes, extension cords or any other power service. Check all window and door locks to ensure correct functioning. Make sure all locks are secure and there are no holes in any of the screens. Inspect recreational equipment for proper operation and possible dangers (e.g., Are swing sets secure, and do they contain any rusty bolts?). Carefully inspect your toilet. Look for the erosion of plastic floater valves, and check all pipe connections. Clean or replace your furnace filter. Clean the clothes dryer exhaust duct and space under the dryer. Remove all lint, dust and pieces of material. Inspect washing machine hoses periodically, and replace hoses that show signs of wear or leakage. Have your roof inspected by a professional once every few years to identify areas of potential leakage.

Summer Travel Safety Tips During the summer months, many families embark on vacation getaways. Summer travel and readying the car for trips can be the most stressful part of the vacation. Travelers offers some packing and driving tips for families hitting the road for vacation this summer. 74% of Americans taking a summer vacation plan to drive Don't overload When packing, the car can get filled quickly. Spread out the load so the weight is evenly distributed Be a prepared parent Pack snacks, extra clothes and entertaining items that will keep your little ones in the back seat happy. Keep a clear view When packing your vehicle, make sure you maintain a proper line of sight with your mirrors and windows. Ready the roof rack Know your rack's weight limit by checking the user's manual. Recognize the height of your vehicle after packing to prevent damage or accidents. In 2011alone, over 3,000 people were killed in distracted driving crashes.‡ Know the route Familiarize yourself with the route before leaving for your trip. Relying solely upon GPS can lead to dangerous last minute turns and lane changes. Secure your pets Unsecured pets can become a distraction. Secure your pets appropriately and never let them run about the vehicle. Cruise carefully Cruise control can be a helpful tool, but be careful when using it on long trips, as it can make it easier for drivers to lose focus on the road. Take a break When travelling long distances, it's important to take frequent breaks to help maintain focus and avoid fatigue. †TripAdvisor, nc:http://ir.tripadvisor.com/releasedetail.cfm?ReleaseID=764664 ‡ NHTSA: http://www.distraction.gov

...materials such as non-combustible roofing and siding and fire-rated glass or f...