McCurdy Group - Insurance and Financial Consultants
Showing posts with label solar. Show all posts
Showing posts with label solar. Show all posts

Thursday, March 5, 2015

Do you have ice dams?

You can help prevent serious damage to both the roof and inside of your home by minimizing the likelihood that an ice dam will develop, and by removing one as soon as you spot it. Ice dams can form when water from melting snow re-freezes at the edge of your roofline. Without roof snow removal, an ice dam may grow large enough to prevent water from draining off the roof. This water can then back up underneath roof shingles and make its way into your home. 

  


How Do You Know if You Have an Ice Dam?

  • Look carefully at the icicles around the exterior of your house. If they are confined to the gutters and there is no water trapped behind them, then an ice dam has likely not formed. Nonetheless, icicles can pose a danger to people when they fall off, so try to safely knock them down while standing on the ground, making sure not to stand directly beneath them. If you cannot safely reach them from the ground, consider hiring a contractor to help.
  • Check for water stains or moisture in the attic or around the tops of exterior walls on the top floor of your house. Stains and moisture may indicate that an ice dam has formed and water has penetrated the roof membrane.
  

How to Remove an Ice Dam:

  • Melt the ice dam. Fill a nylon stocking with calcium chloride ice melt, and place it vertically across the ice dam so that it melts a channel through the dam. If you try this, make sure you can safely position the ice melt on your roof, and make sure to use calcium chloride, not rock salt. Rock salt will damage your roof. Also, be aware that shrubbery and plants near the gutters or downspouts may be damaged.
  • Get professional help. If you cannot safely reach the roof, avoid using a ladder in snowy and icy conditions. Consider hiring a contractor to remove the ice dam.

I you need the help of a contractor, we recommend Mike Dhembe, he can be reached at http://www.mdhembeschimneysweep.com/ and 508-765-9600.  

If you have any questions or concerns, please give us a call. 

Wednesday, January 15, 2014

Are Solar Panels Covered on a Homeowner's Policy



Many people now use solar panels and wonder if the panels are covered on their Homeowner’s Policies. The answer would be yes BUT.   We need to consider where the panels are installed in order to make sure that they have the appropriate coverage limits.  If they are installed on the house, they are considered part of the Dwelling limit but if they’re installed on the lawn and not connected to the home itself, they could be considered Other Structure or Personal Property Coverage depending on the company’s view. In any case, you need to make sure that you have enough coverage to handle a loss. There are also situations where the electric company pays you for supplying energy back to them; this would be considered a business and needs special attention. There are some carriers that offer the liability and physical coverage to protect this new “business” exposure. It’s best to discuss your needs with your Insurance Agent Professional to have the peace of mind that your interests will be covered.