Tips

Spring Car Maintenance Tips for a Smooth Ride

Posted on by McGriff Williams in McGriff-Williams News, Tips |

As the seasons change and winter gives way to spring, it’s the perfect time to give your vehicle the care and attention it needs. The harsh winter months can take a toll on your car, causing everything from wear and tear on mechanical components to aesthetic damage from road salt and grime. Taking the time to perform thorough spring maintenance can extend the lifespan of your vehicle, improve safety, and enhance overall performance. Whether you’re planning road trips, commuting to work, or just running errands, a well-maintained car will ensure a smooth and stress-free ride. Below, we’ll cover a comprehensive list of essential spring maintenance tips, why they matter, and how they contribute to keeping your car in optimal condition.

Inspect and Replace Windshield Wipers

One of the first things you should do when the seasons change is check your windshield wipers. Winter conditions, including ice, snow, and freezing temperatures, can cause the rubber on wipers to become brittle and cracked. If your wipers leave streaks or fail to clear water effectively, it’s time for a replacement. Visibility is crucial for safe driving, especially during spring showers. Installing a fresh set of wiper blades is a quick and inexpensive way to improve your driving safety.

Check and Rotate Tires

Tires are one of the most critical components of your car, directly affecting handling, fuel efficiency, and safety. Cold temperatures cause tire pressure to drop, and as the weather warms up, it’s essential to check and adjust the pressure to the manufacturer’s recommended levels. Driving with improperly inflated tires can lead to poor fuel economy, reduced traction, and uneven wear. If you used winter tires, now is the time to switch back to all-season or summer tires. Additionally, rotating your tires ensures even wear and extends their lifespan, helping you get the most out of your investment.

Get an Oil Change and Check Fluids

Regular oil changes are vital to maintaining your engine’s health. Over time, oil breaks down and loses its ability to lubricate and protect engine components. If it’s been a while since your last oil change, schedule one this spring to keep your engine running smoothly. While you’re at it, check other essential fluids, including coolant, transmission fluid, brake fluid, and windshield washer fluid. These fluids play a crucial role in your car’s performance and safety. Topping off or replacing them as needed can prevent costly repairs down the line.

Give Your Car a Thorough Wash and Wax

Winter roads are often treated with salt and chemicals to prevent ice buildup, but these substances can be highly corrosive to your vehicle’s paint and undercarriage. A thorough wash, including the underbody, will remove any lingering salt and debris, preventing rust and corrosion. Follow up with a coat of wax to protect your paint and give your car a fresh, polished look. Regular washing and waxing not only improve aesthetics but also preserve the longevity of your car’s exterior.

Test and Inspect the Battery

Cold weather can be tough on car batteries, leading to reduced performance and potential failure. As temperatures rise, check your battery’s charge and inspect the terminals for corrosion. If your car struggles to start, or if your battery is more than three years old, it may be time for a replacement. A well-functioning battery ensures reliable starts and prevents the inconvenience of unexpected breakdowns.

Examine Brakes and Suspension System

Winter driving, with its icy roads and potholes, can put extra stress on your vehicle’s braking system and suspension. Worn-out brake pads, leaking brake fluid, or unusual noises when braking should not be ignored. Have your brakes inspected to ensure they’re in good condition and replace any worn components. Similarly, the suspension system, including shocks and struts, should be checked for signs of wear, as they play a crucial role in handling and ride comfort.

Replace Air Filters

Spring brings an increase in pollen, dust, and other allergens, making it an excellent time to check and replace your car’s air filters. A clean engine air filter ensures optimal fuel efficiency and performance, while a fresh cabin air filter improves air quality inside your vehicle. Replacing these filters is a simple maintenance task that can make a big difference in both comfort and efficiency.

Inspect Lights and Signals

As daylight hours increase, it’s still important to ensure all your lights and signals are functioning properly. Check headlights, brake lights, turn signals, and interior lighting for any burned-out bulbs. Replacing faulty lights enhances visibility and safety for both you and other drivers on the road.

Examine Hoses and Belts

Under-the-hood components like hoses and belts are susceptible to cracking and wear, especially after exposure to extreme winter temperatures. Inspect them for signs of fraying, cracks, or leaks. A damaged belt or hose can lead to engine overheating or system failures, so replacing worn-out parts before they fail is a proactive step in preventing more significant issues.

Update Your Emergency Kit

With the arrival of spring, it’s a good time to check and update your car’s emergency kit. Warmer weather may require different supplies than winter, such as bottled water, sunscreen, and a flashlight with fresh batteries. Be sure to keep essentials like a first-aid kit, jumper cables, a tire repair kit, and extra fluids in your vehicle. A well-stocked emergency kit provides security in case of unexpected breakdowns or road trip mishaps.

Check the Air Conditioning System

As temperatures start to rise, you’ll want to make sure your air conditioning system is in good working order. Turn it on and check for any unusual noises or weak airflow. If the system isn’t cooling properly, it may need a refrigerant recharge or have a clogged cabin filter. Addressing these issues early will ensure a comfortable ride throughout the warmer months.

Clean and Organize the Interior

Spring cleaning shouldn’t just be for your home—your car’s interior deserves attention, too. Vacuum carpets and seats, wipe down surfaces, and remove any clutter that accumulated over the winter. A clean and organized car not only looks better but also creates a more enjoyable driving experience.

Spring car maintenance is an essential part of vehicle ownership, helping to ensure safety, efficiency, and longevity. By addressing winter wear and preparing your car for the warmer months, you’ll enjoy a smoother, more reliable driving experience. Taking the time to perform these maintenance tasks can prevent costly repairs, improve fuel efficiency, and keep your vehicle looking great. Whether you’re heading out on a road trip or just commuting to work, a well-maintained car will get you there safely and comfortably. Make it a habit to prioritize regular maintenance, and your car will reward you with years of reliable service. Happy driving!

 

Making sure your home is properly covered for a disaster

Posted on by McGriff Williams in Home Insurance, Tips |

How to avoid being underinsured

For many people, their home is their greatest asset, so it is crucial to avoid being underinsured. To properly insure your home, it is important to ask your insurance professional four key questions.

  1. Do I have enough insurance to rebuild my home?

Your policy needs to cover the cost of rebuilding your home at current construction costs. Unfortunately, some homeowners simply purchase enough insurance protection to satisfy their mortgage lender. Others confuse the real estate value of their home with what it would cost to rebuild it.

  1. Do I have enough insurance to replace all of my possessions?

Most homeowners insurance policies provide coverage for your personal possessions for approximately 50 percent to 70 percent of the amount of insurance you have on the structure of your home. If you have $100,000 worth of coverage on the structure of your home, you would be covered for $50,000 to $70,000 worth of the contents of your home, depending on the policy.

The best way to determine if this is enough coverage is to conduct a home inventory, which details everything you own and the estimated cost to replace these items if they are stolen or destroyed by a disaster.

  1. Do I have enough coverage for additional living expenses?

Coverage for additional living expenses pays the extra costs of temporarily living away from your home if you can’t live in it due to an insured disaster such as a hurricane. It covers hotel bills, restaurant meals, transportation and other living expenses incurred while your home is inaccessible or being rebuilt.

  1. Do I have enough insurance to protect my assets?

Although not a key element in disaster planning, it is also important to have adequate liability protection. This covers you against lawsuits for bodily injury or property damage that you or your family members may cause to other people. It also pays for damage caused by pets.

Your answers to these 4 questions will give you a good idea if your home is properly covered.  Don’t wait until it’s too late to know if your home insurance policy will cover your home and its possessions.

Source:  https://www.iii.org/article/making-sure-your-home-properly-covered-disaster

Space Heater Safety

Posted on by McGriff Williams in Tips |

In the chillier months, space heaters become a go-to solution for warming up specific areas in our homes. While these portable devices offer convenience and immediate heat, it’s crucial to prioritize safety to avoid potential hazards. A cozy evening by the space heater can quickly turn into a safety concern if not used responsibly. From proper placement to regular maintenance, following these key practices will help you harness the warmth of a space heater while keeping potential risks at bay.

Placement: Place space heaters on a level, flat surface away from foot traffic. Keep them at least three feet away from flammable materials such as curtains, bedding, and furniture.

Ventilation: Ensure that the space heater has enough space around it to allow proper airflow, and never use it in enclosed spaces.

Power Source: Plug space heaters directly into a wall outlet, avoiding the use of extension cords or power strips. Overloading electrical circuits can lead to fire hazards.

Supervision: Never leave a space heater unattended. Turn it off when leaving the room or going to sleep.

Maintenance: Regularly inspect their space heaters for any signs of damage or malfunction. Malfunctioning heaters should be repaired or replaced immediately.

Quality and Certification: Choose space heaters with safety certifications from recognized organizations. This ensures that the product has undergone rigorous testing for safety standards.

Automatic Shut-off: Space heaters equipped with automatic shut-off features provide an extra layer of protection. These can prevent overheating and reduce the risk of fires.

Children and Pets: Keep children and pets away from space heaters. The exterior can become hot and pose a burn risk.

Read the Manual: Thoroughly read and understand the manufacturer’s instructions and safety guidelines provided in the user manual.

Emergency Preparedness: Install smoke alarms and carbon monoxide detectors. Regularly test these devices and replace batteries as needed.

Prioritizing space heater safety is paramount to enjoying their warmth without compromise. By following these guidelines, you can create a cozy environment while minimizing the risk of potential hazards. Remember, responsible usage, regular maintenance, and awareness of safety features are key elements in ensuring that your space heater enhances comfort without sacrificing security. As the temperatures drop, let’s embrace warmth with confidence, knowing that our safety practices make all the difference. Stay warm, stay safe!

Homeowners Insurance – A Guide to Dwelling, Personal Property, Liability, and Additional Living Expenses

Posted on by McGriff Williams in Home Insurance, Tips |

Navigating home insurance can sometimes feel overwhelming, but understanding it is essential for protecting one of your most significant investments—your home. Many homeowners often find themselves confused by the specifics of coverage, which can lead to costly gaps if not addressed. Home insurance typically includes four key areas: dwelling coverage, personal property protection, liability, and additional living expenses. Homeowners must understand what each type covers and assess whether they need these protections in their home insurance policy.

Dwelling Coverage

At the heart of your home insurance policy is dwelling coverage. This is the part that protects the physical structure of your home—everything from the walls and roof to the floors and built-in appliances. If disaster strikes—think fire, lightning, vandalism, or severe weather—this coverage helps you repair or rebuild your home.

How Much Dwelling Coverage Do You Really Need?

Finding the right amount of dwelling coverage is essential. You want to ensure you have enough to completely rebuild your home if needed. This isn’t necessarily the same as your home’s market value; it’s based on how much it would cost to rebuild. The following tips may help you with making this decision.

Get a Professional Appraisal: A professional can give you an accurate estimate of your home’s rebuilding cost.

Understand Local Building Costs: Research what it costs to build a home in your area, as this can vary widely.

Factor in Upgrades: If you’ve made any renovations or have unique features, make sure those are accounted for in your coverage.

Review Regularly: Life changes, and so do your home’s needs. Regularly check your coverage to ensure it matches your home’s value.

What’s Not Covered?

While dwelling coverage is pretty comprehensive, there are some things it typically doesn’t cover.  Understanding this in advance is essential, as it allows you to decide whether to consider adding coverage for these events.

Flood Damage: You’ll need separate flood insurance for that.

Earthquake Damage: Like floods, earthquakes often require additional coverage.

Maintenance Issues: Damage due to lack of upkeep, like mold or pest infestations, usually won’t be covered.

Personal Property Coverage

Personal property coverage protects your belongings. This includes furniture, electronics, clothing, and more. If something happens—like theft or fire—this coverage helps you replace those items.

How Much Personal Property Coverage Do You Need?

The following steps will assist you with determining what personal property you own and its approximate value. Once you have this figured out you can decide how much it would cost you to replace if something happens to it.

Inventory Your Belongings: Keep a list of your possessions and their estimated value. This could be a spreadsheet or a handy app designed for home inventory.

Replacement Costs vs. Actual Cash Value: Make sure you know if your policy offers actual cash value or replacement cost coverage. Actual cash value takes into consideration the depreciation of your goods meaning you could receive less than the amount you spent when you purchased the items.  Replacement costs coverage pays the amount you spent on the items at the time of purchase.

High-Value Items: If you have expensive items like jewelry or collectibles, consider getting valuable items insurance.  These items are typically not covered by standard personal property insurance.

Business Property: If you run a business from home, your business equipment may not be covered under standard personal property insurance. You may need to consider extra coverage for these items.

Liability Coverage

Liability coverage is a critical safety net that protects you financially if someone is injured on your property or if you accidentally damage someone else’s property. This coverage helps with legal fees, medical expenses, and any settlements that may arise.

Liability coverage is essential for several reasons

Accidents Happen: Even the most cautious homeowners can face lawsuits due to unexpected events.

Protection Against Legal Fees: Legal expenses can add up quickly, and liability coverage can help cover those costs.

Sense of Security: Knowing you have this coverage allows you to enjoy your home without constant worry.

How Much Liability Coverage Do You Need?

Most home insurance policies offer liability coverage ranging from $100,000 to $500,000. Depending on your situation, you may want to consider higher limits. Here’s how to decide:

Your Assets: If you have significant assets, higher liability limits can help protect them.

Risk Factors: If you frequently host gatherings or have a pool, you may want to increase your coverage.

Umbrella Policies: For extra protection, consider an umbrella policy that provides additional liability coverage beyond your home insurance limits.

Additional Living Expenses Coverage

Additional living expenses (ALE) coverage, also known as loss of use coverage, helps cover the costs of living elsewhere while your home is being repaired or rebuilt after a covered loss. This includes hotel bills, restaurant meals, and other necessary expenses that go beyond your normal living costs.

Why is ALE Coverage Important?

ALE coverage is a lifesaver for several reasons:

Avoids Financial Strain: If your home becomes uninhabitable, this coverage helps you maintain a similar standard of living without breaking the bank.

Temporary Housing Solutions: ALE can cover costs associated with staying in a hotel or renting a place while your home is being fixed.

Essential Expenses: It can also help with essential expenses like transportation and laundry while you’re displaced.

How Much ALE Coverage Do You Need?

The amount of ALE coverage you need will depend on a few factors:

Duration of Repairs: Consider how long it might take to repair your home based on its size and the extent of the damage.

Local Cost of Living: The cost of living in your area can greatly affect how much ALE coverage is necessary.

Policy Limits: Review your insurance policy to understand the limits of ALE coverage, as some policies have specific timeframes or dollar amounts.

What’s Not Covered?

While ALE coverage is helpful, there are limitations:

Non-Covered Events: If your home is damaged due to an event not covered by your policy, ALE won’t apply.

Normal Living Expenses: ALE is intended for expenses that exceed your normal living costs, so regular bills like your mortgage typically won’t be covered.

Understanding home insurance coverage is vital for protecting your home and belongings. By getting familiar with dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage, you can make informed choices and ensure you have the right protection in place.

With this knowledge in hand, you can approach your home insurance policy with confidence, knowing you’re well-prepared for any unexpected challenges that might come your way. Protect your investment, safeguard your belongings, and enjoy the security that comes with comprehensive homeowners insurance coverage.

Protecting Your Home from Storm Water Damage

Posted on by McGriff Williams in Tips |

A heavy rainstorm has finally stopped. Or maybe a long winter has finally ended, and the deep snows have begun to melt. While good weather may seem like a relief, the potential for water damage may just be beginning. Storm water runoff can quickly overwhelm natural and manmade systems, leading to flooding and property damage. The steps you take today to prepare your home and yard for proper drainage can help avoid time-consuming and costly repairs when the bad weather does blow through.

In a natural environment, storm water runoff is absorbed by soil, evaporates into the atmosphere or flows into bodies of water, such as streams, lakes or rivers. Homeowners may need to recreate the natural environment on their property to address storm water runoff. This includes planting trees and other vegetation, building rain gardens and installing rain barrels or cisterns to collect roof water.

How Can You Protect Your Home from Storm Water?

“The key to developing a yard drainage plan is to understand the specific characteristics of your property and implement the system that works best for you,” says Mike Koppang, a Travelers Risk Control professional. During a storm, you can go outside and observe how the water flows. Take note of the different grades and slopes and whether they divert the flowing water away from your home. Look for any low spots that collect or pool water and for any steep slopes that have indications of surface erosion.

Consider the steps needed to protect your property from water runoff. Rain that falls on roofs, driveways, patios, roads and other impervious areas moves across the ground surface at greater speeds. The property adjacent to these areas could be more susceptible to damage. Frozen soil can also increase risk of damage by preventing water from being absorbed by the soil. Replacing impervious areas with pervious surfaces, such as permeable paving stones or pavers, can also help.

Other questions you might consider:

Is storm water that falls on impervious surfaces diverted away from your house? This is the work of things like roof gutter downspouts, driveways, walkways and patios. Runoff from these surfaces should be directed to an area that has the ability to absorb or slow the surface flow, such as landscaped areas, and away from your house.

Does your house have a stream, pond or lake close by? Consider the flood potential and how it may impact your property. You can research local flood maps that will detail flood water levels for various storm events and their flood potential.

Does your driveway or other impervious surface have a negative pitch back toward the house? Consider installing trench drains or area drains to help prevent pooling and divert water away from the house.

Do you have retaining walls on your property? If so, it is important that the walls have a drainage system in place to alleviate pressure behind the wall. Periodically clean weep holes to ensure they are not clogged. Surface water should not be allowed to cascade over the top of the wall and instead should be diverted to the end of the wall or around it.

Is a portion of your house below ground level, such as a basement? Make sure any sewer and water lines, or any other pipes or lines that penetrate subsurface walls, and foundation cracks are properly sealed. Basements that are prone to water intrusion should have a water collection system in place, such as a sump pump system. This system should be maintained with a battery backup for continued operation in the event of a power failure. Consider elevating mechanical systems or installing curbs around areas that need protecting but cannot be elevated, such as finished areas and storage areas. Exterior basement window wells should have covers and the ground surface of the well should be below the well rim.

Do you have a sewer or septic system and property with known high-water tables? Have the system checked by a professional. If the groundwater rises too high, it can affect the efficiency and operation of the system. In some cases, this may lead to sewer back up or waste leaching above the ground or back into the house.

Surface storm water is not the only consideration for protecting your home. It is also important to assess the functionality of your whole home envelope system. Make sure that your house exterior is maintained, including roofing, flashings, weather barriers, windows, doors and sealants.

While you cannot prevent against all damage from storm water runoff during large acts of nature, these steps can help protect your home when storms do hit. A homeowners insurance policy through us can help protect your home during Spring storms. Contact us for a quote today.

Source: https://www.travelers.com/resources/home/maintenance/protecting-your-home-from-storm-water-damage