In today’s world, the most valuable asset owned by people is their home. And when considering any size home improvement project, protecting this investment should be a top priority.
If you are planning for renovating or remodeling your home and facing difficulty in finding the proper contractor, here are some tips to be keep in mind while selecting a contractor for your home improvement project.
How to find a Qualified Contractor:
One source for locating a qualified, experienced contractor is from other people who have had similar remodeling work done. When talking with contractors, request references, and take the time to check them out.
Check with a service that keeps track records of various contractors.
You can also use online resources and directory for locating a qualified contractor in your area.
You can also use sites like LocalContractorBids.com, where you can submit your project so that contractors can place a bid on your project. After reviewing all the bids, you can select the most appropriate one.
Hire only a home improvement contractor with strong referrals and high rankings. Depending on the type of project you are planning, you may need to deal with any of the following professional contractors:
Architects are designers of homes, buildings, and home improvement remodeling projects. You may want to consult one if your project includes new construction or structural changes.
Questions you should ask to Possible Candidates:
How long have you been contracting? What licenses and certifications do you carry? How many projects have you completed in the last year; what were they, and who were they for? How many years have you been working on home improvement projects? “What references do you have? Will, there be any subcontractors, and if so, what are their credentials? What insurance coverage do you have? What permits are required for my project?”
Also, check with the appropriate government office to see whether or not there are any unresolved complaints against the contractor before making your final selection.
Call all references and ask questions such as: Was the project completed on time, and were you happy with the results? How well did the contractor communicate with you throughout the project? Were there any cost over-runs?
Also ask if the contractor employees were on time, courteous, and whether or not they cleaned up the home improvement site when they were finished?
Please feel free to contact our office at 218-628-6180, as I am sure we know some contractors we can reccomend. Also, as we head into Fall please keep us in mind for any coverage changes you might want to make such as reducing insurance on your summer toys.
The FBI reports that in 2014 there were over nine million home property crimes in the United States. There are many things that you can do to protect your home from potential burglaries. Most homeowner’s insurance policies do cover loss from burglaries, but we know you would prefer not to have to deal with this situation.
Get a security system.
Be careful with your trash; don’t toss out personal information.
Stop your mail and newspaper when traveling.
Limit landscaping close to your house.
Don’t advertise your vacation on social media.
Leave lights on when gone.
Always lock your garden sheds and garages.
Use a variable light timer to activate lights inside your home.
Lock your doors and windows.
If you are gone, arrange for your lawn to be mowed.
Have adequate exterior lighting.
Protect what matters most to you with Duluth, MN. Car,Home, Health, Life & Business insurance. We offer the best combination of competitive rates, coverage and personal service in Duluth.
Many schools may not be opening, or you may be doing online school as a result of COVID. Some parents may be thinking of homes schooling their kids rather than enrolling them in school this fall.
At first, opting for home schooling is such an overwhelming matter. Most parents thought that it is impossible to teach a child through home schooling method.
On its basic concept, home schooling refers to the alternative way of educating children. It differs from the usual type of schooling because the learning process is done at home, and the teachers are usually the parents themselves. They only use a particular type of teaching method that can be obtained in different institutions that provide home schooling programs.
For parents who find home schooling a bit of an overwhelming task, here is a list of some tips on how to get you started in home schooling your child:
1. Arrive at a decision
The problem that most parents encounter when opting for home schooling is the fact that they find it hard to finally decide whether to home school their child or not. This is because deciding on this kind of thing is relatively important, especially because the future of the child is dependent on it.
However, the choice should be based on the capacity of the parents to conform to the requirements in home schooling their child. They should be able to wholly participate with whatever items that were entailed in the program in order to provide the best education for their children.
2. Keep in mind that home schooling is a process
Since home schooling is a process, parents who want to home school their children should take things one at a time. For instance, if they have a pre-school child, they should focus more on what pre-school students should learn. They should not delve more on how to teach higher levels of education that are fit for students in higher levels.
3. Know your state laws regarding home schooling
In the United States, each state has its own laws regarding home schooling. Hence, it is best to know what your state asserts about home schooling so that you can provide the best education for your children in conformity with the law.
4. Look for a support group
Home schooling should not be the sole responsibility of the parents. That is why it is important for the parents to find a local support group wherein they can mingle with other homeschoolers who can provide them with additional pointers regarding the process. Each member in the support group can help each other regarding the best technique in teaching their children.
5. Do your homework
Nothing can get you started on the right track than doing your homework first. In this way, you will be able to know the important details you need to be familiar with in order to provide the best education for your children. Knowing what you have to do will give you the best guidance in home schooling.
6. Identify your child’s learning manner
It is best to assess your child’s learning manner first before you choose on a particular home schooling method. Conforming to your child’s learning manner will provide the best way on how to home school your child.
There are many choices available when teaching your child through a home school program. Though it is still best to always pattern the program that you will choose on your child’s learning style.
7. Organize the things needed in home schooling
Just like a typical school, home schooling your children would also need different materials and a proper place where they can easily and comfortable learn new things each day.
Hence, it's best to organize the place first by providing them with adequate space for their learning. Most children would respond to the process easier if they were comfortable with the place where their classes are held.
8. Have a budget for home schooling
Some parents tend to overindulge with the materials needed in home schooling. It does not necessarily mean that because you have lowered your expenses because you have opted to home school, as compared to sending your children into a typical public or private school, you can spend more.
It is still a must that you have to set a budget for home schooling. There are many books and other materials that can be found on the Internet which are definitely priced cheaper.
Indeed, home schooling is not just a process but also a lifestyle. Its something that parents should be best acquainted with in order to give their children with the best education they need.
As summer draws to a close all of us at Benes Insurance ~a Strong Company would like to thank you for your continued business.
Are you one of the people who think you don’t need lifer insurance? Please think again. Life insurance provides real security for those you care about. Life insurance benefits can provide financial security and resources for your family or loved ones after you are gone. Let’s look at a few of the reasons to consider life insurance:
Payment on Debt– If you have any outstanding debt (mortgage, credit cards, etc.) at the time of your death, it does not go away. Your estate will still be responsible to settle all accounts. Life insurance can provide the financial resources to cover debt.
Continuation of Income- Life insurance can provide the funds to replace your income upon your passing. Family income will certainly diminish with the loss of an income earner, which means your family will experience a lower standard of living. The death benefits of a life insurance policy can prevent this from happening, or at least keep the impact to a minimum, by replacing income lost with the demise of the breadwinner.
Unpaid Medical Expenses- It is highly likely that you will incur medical expenses prior to your death. Some of which may not be covered by health insurance. Adequate life insurance proceeds ensure that these final expenses are covered.
Funeral Expenses- Most people don’t plan for, or fund, funeral expenses. Again life insurance is there to help.
The good news is that life insurance rates are low and there are many different kinds of products to select from. One question we often get is, “How much life insurance do I need”? The answer to that depends on your individual situation, but the general guideline is, a life insurance limit of at least ten times your annual gross income is a start. For example, if you earn $50,000 per year, your family would need to replace somewhere close to that amount. A $500,000 life policy could return $45,000 to $50,000 annually, depending on interest rates.
The most cost effective type of policy is term insurance. Term insurance provides protection for a specific, limited amount of time, usually in five-year segments, such as for 10, 15, 20, 25 or 30 years. Typically you pay annually and the premium is locked in for that period of time.
Everyone is looking for a way to save on their auto insurance. We recommend you contact our office and we will search the market for the best possible combination of coverage, price, and service. Here are a few ideas to help you get the process started.
Your auto insurance deductible is the amount you pay from your pocket before making an insurance claim. The disadvantage of raising your claim is when you make a claim, you will pay more. However, if you are a safe driver, you will overtime save more money by raising your insurance deductible. Look at your previous insurance claim history and make a discreet decision for yourself.
If your car is not worth much, why pay for comprehensive and collision insurance coverage? Additionally, your insurance broker might be able to pull up the true worth of your vehicle, which may help you in making this decision.
Some auto insurance companies will give discounts if you drive less than a certain number of miles or drive less than a certain distance to work.
If you are considering moving, it will be a good idea to call your insurance agent and get his opinion on the insurance costs in the new city or state.
Your vehicle will also determine your overall insurance costs. Some of the cars are favorite for thieves since they fetch a good price. Some cars are more expensive to repair. It makes a lot of sense to do an adequate amount of research before you make your auto purchase.
Many manufacturers offer somewhat similar model names for vehicles, but insurance costs may vary. Additionally, 2 or 4 doors or the wrong model can impact your auto insurance quote.
A lot of companies will offer discounts if you and your spouse are insured with the same insurance company. Additionally, if you seek home insurance, life insurance, auto insurance from the same insurance company, you will get some discounts. Check with your insurance agent on saving money.