Posts Tagged ‘advice’

What are Common Damages Associated with Slab Leaks?

As your Texas insurance agency, we believe that it is important for you to know all about your home and the damages that may come with it. Many times, your home will face simple damages such as a broken window, or even a leaky ceiling. However, some damages are not so easy to detect or fix! Yes, we are talking about slab leaks.

Here are a few signs that are sure to determine if you have a slab leak or not:

#1: Water spots on your floor. Obviously, water spots are a sure sign of slab leaks. If you notice any damp, moist or just plain wet spots, you should contact a plumber immediately. This means that the leak has reached your flooring, which can be damaging

#2: A settled foundation. You may feel a shift in your foundation, which is usually caused by a slab leak.

#3: Low water pressure. Does your showerhead seem to be softer than usual? A reduction in water pressure is a sign of a leak.

#4: A sudden change in your water bill. Oh great, a really expensive water bill! What gives? Unless you have started leaving your sinks on 24/7, it is mostly likely a slab leak.

If you begin to notice these changes in your home, it’s time to call a plumber. Slab leaks will cause water damage to your foundation and even your home- which is not a good thing! Once you hang up with your plumber, you better get your Texas insurance agency on the line! Thankfully, a typical home insurance policy will cover the physical structure of your home- just what you need.

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Let the Experts Answers your Life Insurance FAQs!

With life insurance being such an important policy, we believe that everyone should be well informed on it. Many times, people pass on life insurance because they do not fully understand it.

What is the difference between term life and whole life?

Term life will cover a period of your life- whether 5 years or 30 years, you will be covered for exactly that time frame. It offers lower premiums for higher coverage. Whole life will cover your entire life as long as you continue to pay the monthly premiums. These are higher premiums than term life, but in the long run, it is much more valuable.

What age should I purchase life insurance?

There is really no specific age to purchase life insurance, though many experts suggest that you should have coverage when you are in your 20’s or married. Once you are married, you have more responsibilities and share your life with someone. It’s important to keep them covered if something should happen to you.

Do I need life insurance if I am single?

Many people do not feel the need to insure their life if they are single- but do you have a family? If something were to happen to you and you are not insured, they would be burdened with your funeral costs. That is the last thing your family needs during such a horrible time. Any debts or loans you leave behind may be passed on to them. Basically- yes, you should have life insurance even if you are single.

How will smoking affect my life insurance?

If you are a smoker, you should expect to pay a little more due to the risks associated with smoking. No, you cannot lie to about it- there will be medical tests conducted and nicotine will show up.

There are a million other life insurance questions that are left to be answered. It’s impossible to cover it all in one blog post! But remember, at Dagley Insurance and Financial Services, we are always to clarify any questions or issues you may have with your insurance policy. Whether you want to know more about life insurance, health insurance, Texas business insurance or even renters insurance, we are here to help!

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The TOP 5 Reasons You Should Purchase Life Insurance

It’s week two of Life Insurance Awareness Month and we are just getting started! With so many people without life insurance, it’s crucial to speak about the importance of it. It should be a priority when looking into insurance and financial services. Texas residents, pay attention!

Here are the top 5 reasons why you should purchase life insurance:

#1: For your spouse. If you should leave your spouse behind, you leave them with less income. Without life insurance, your spouse may not make enough money to support the home or family anymore. This may result in the loss of home and possessions.

#2: For your children. If you should pass, your children will still want to go to college. Without life insurance, they may be denied that chance because of financial troubles.

#3: To cover funeral expenses. Without life insurance, you burden your family with funeral fees. That is the last thing they need during a time of grief.

#4: To pay off taxes and debt. Just because you have passed, doesn’t mean your debt will go away.

#5: You can personalize. Life insurance policies, such a term life, are able to fit your specific needs.

We take this month seriously at Dagley Insurance & Financial Services. Texas residents should too! Life is too short to have to worry about the unexpected. Trust us- you will feel much better knowing that your family is secure if something were to happen. Now go out and live your life!

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Hurricane Safety: Prepare Ahead of Time to Protect Your Family & Home

With hurricane season quickly approaching we, at Dagley Insurance & Financial Services, want to ensure that our clients and the surrounding community are sufficiently prepared. By understanding what you can do before, during and after a potential hurricane, you can better ensure the safety of your home and loved ones.

Below you will find wealth of tips and safety advice from the Federal Emergency Management Agency (FEMA). FEMA is an outstanding resource that can provide you with the most effective and reliable safety solutions. You can also learn what additional safety precautions, activities and projects people like you are implementing to help reduce and prevent the devastating impact of severe hurricanes.

Before a Hurricane Strikes:

  • Make plans to secure your property. Permanent storm shutter offer the best protection for windows; a second option can include boarding up your windows with marine plywood.
  • Install straps or additional clips to securely fasten your roof to the frame structure; this can help reduce roof damage.
  • Be sure trees and shrubs around your home are well trimmed.
  • Clear loose and clogged rain gutter and downspouts.

During a Hurricane:

  • Listen to the radio or TV for information; keep a battery-operated radio ad back up in case electricity goes out
  • Turn off utilities if instructed to do so; otherwise turn the refrigerator or thermostat to its coldest and keep its doors shut
  • Turn off propane tanks, avoiding using the phone except in serious emergencies

After a Hurricane:

Recovering from any type of natural disaster typically takes a good amount of time; it’s not an overnight process. Safety should always remain your highest priority. It’s always a good idea to keep your insurance information handy and in a safe place—that way if you have questions, need help assessing damage or need to place a claim, all of the information needed is at your fingertips.

Need help reporting a claim? You can always call us or fill out our online claim form—at Dagley Insurance we care deeply about your safety and the safety of your home, so please do not hesitate to call us with any questions regarding the claims process, hurricane season or how we can help you better protect your property today.

Also, make sure to take a look at our previous blog post regarding Hurricane Preparedness Week to learn more about what your emergency preparedness kit should include!

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