Important Home Maintenance Tips for Spring

As the cold temperature of winter disappears, and the warm, gentle weather of spring arrives, you should take advantage of the moderate temperature to follow an annual spring maintenance routine. As the agents at Ganley Family Insurance know, the weather in or around Brecksville, OH can get hectic during winter, which is why preventative action is so important. It prevents a wide range of problems and taking a few hours of your day to check your house could help you avoid expensive repairs and irritating problems. Inspecting the exterior of your home is probably the most important thing to do, as winter weather can take a heavy toll on the outside of your home.

Check the roof of your home. While you may think that you’ll need a ladder to inspect your roof, you can use binoculars to spot problems. The main things you should check for are:

  • Shingle-shift, which could indicate that the fasteners have failed and need to be replaced.
  • Try to spot any missing or cracked shingles.
  • Check if there are any nail-pops, which refer to when nails press the tabs of the shingles up. Nail-pops cause water damage when it rains.

Inspect the windows. Make sure that the weather stripping and caulking on your windows are still in place. If you have double-glazed or triple-glazed windows and noticed condensation inside the glass during winter, then the weather seal was damaged, and you’ll need to replace either the window or glass.

Finally, check your foundation. Search your home’s foundation from top to bottom and look for masonry cracks. If you do see cracks, it’s likely not a job that you can fix yourself. Look into hiring a foundation specialist who’s able to use a two-part epoxy injection system that chemically bonds cracks.

Home repairs can be expensive, which is why it’s important to have home insurance. Serving Brecksville, OH, Ganley Family Insurance can help you find out what kind of policy is best for your situation. Or, if you already have insurance, you can discuss additional coverage for financial protection against common home issues.

Pest Infestation and Home Coverage

Can a homeowner expect his or her homeowner insurance to help with covering the cost of a pest infestation cleanup? That depends and may be, but most likely no. While that answer can be confusing, a lot depends on the wording of a given policy and what kind of infestation and damage has actually occurred.

With pest remediation the wording of a homeowner’s policy matters tremendously, according to Ganley Family Insurance. Unfortunately, a large number of cases pests are considered a homeowner’s maintenance issue. Some policies are very specific about using wording that specifically spells out pest types that are not covered. In other cases, if the conditions identify that the damage happened over time and could have been avoided by care, the insurance provider still won’t cover the damage. For example, rats chewing into wires and causing a home fire may be denied if there is proof that the rat presence was known for a long time and nothing was done about it. Pests from home gardens can be another preventable source.

Interestingly, if a house guest is injured by a pest, such as a rat or spider bite a policy may cover the medical costs and related care. This would be considered an injury on the premises which many insurance plans do address (although a rat or spider bite is not likely to rack up thousands upon thousands of dollars in medical costs unless there is a major infection involved).

It’s critical to work with one’s insurance agent ahead of time to be prepared. For those in the Brecksville, OH area, help is available with Ganley Family Insurance. Their agents are trained and experienced in all kinds of damage situations, including those involving pests. They can clarify language clauses and point out what would like to be covered and what would not. And for Brecksville, OH residents, knowledge is half the battle in protecting one’s home.

 

3 Tips to Preventing Holiday Home Accidents

Holiday season offers a wonderful opportunity for socializing with family and friends. At the same time, having a house full of visitors increases the risk of accidents. A homeowner’s insurance policy from Ganley Family Insurance in Brecksville, OH, can protect you and your guests in the event of an accident. By taking the following precautions, however, you can make accidents at home that much harder to happen.   

Fire Prevention

Check all holiday lights before putting them up to ensure they are in good condition and have no loose wiring. Keep your Christmas tree and decorations away from portable heaters and out of areas that receive a lot of foot traffic. Switch from real candles to LED operated ones that are just as attractive and safer to use around children.

Practice safe cooking habits when in the kitchen. Don’t leave food on the stove unattended and abstain from drinking alcohol until the meal is served. Make the kitchen a “kid-free” zone when cooking lavish holiday meals to reduce the risk of accidents.  

How to Avoid Slips and Falls

Declutter stairs, halls and living areas so guests can move about freely without the risk of tripping and falling. Repair loose floorboards and secure carpets and rugs to the floor to avoid tripping and sliding. For evening gatherings, make sure entryways, stairways and garden walkways are well lit so guests can see where they’re walking.   

Care of Children   

Children are a wonderful part of family gatherings. For their safety, encourage parents to supervise their kids at all times. When selecting kids’ games and toys, make sure they’re safe and age appropriate for playing. Don’t let kids run, jump, or rough house inside the house where they can hurt themselves or others.

For more holiday safety tips and greater insight into home insurance options, contact Ganley Family Insurance in Brecksville, OH.

 

Protect your home this new year

The new year is a time for fresh beginnings and a time to tighten up any loose ends before you the next year starts. If your home is not secured with the proper home owner’s insurance, now is the time to choose the policy that is right for you. Our agents at Ganley Family Insurance will help you choose the right insurance for your Brecksville area OH home. Whether this is your first home or your third time around, we will assess the needs of you and your family to provide the right insurance for you to take into the new year.

When you purchase your dream home in the Brecksville area, you deserve to protect it to the best of your ability this upcoming year. Whether you are worried about break-ins or weather damage during tornado season, our agents will help you decide the right insurance for your home. We understand how confusing the world of homeowners insurance can be. Our agents encourage you to think of the questions and concerns you may have about purchasing homeowners insurance. We will walk through the process with you, step by step, and go over your options the guide you in making the best decision.

Don’t wait until the new year to purchase or switch your home owner’s insurance. Contact our office today to set up an appointment with one of our knowledgeable agents. Drop by our office and we will assist you or set up an appointment while you’re there. We will discuss how we can make this upcoming year the best one for you, your family, and your home.  

How to Protect Your Family and Home During the Holidays

The holidays are quickly approaching. Due to the nature of the holidays, homeowners are at increased risks of filing a home insurance claim. However, there are measures you can take to protect you and your family this holiday season in Brecksville, OH.  

Take Measures to Prevent Break-Ins  

During the holidays, home break-ins are common. Owners who are busy shopping may forget to set their home alarm or close a window. Unfortunately, thieves see these mishaps as opportunities. However, you can prevent this from happening to you by taking measures to prevent break-ins, including:  

  • Have a neighbor watch your home.  

  • Avoid posting on social media that you are leaving your home.  

  • Ensure all entryways to your home are secure.  

  • Leave a light on in your home.  

The best way to discourage a home break-in is to give the appearance that you are at home. In most cases, thieves avoid homes that look as if someone is home because they want to avoid confrontation.  

Reduce Your Liability By Celebrating Responsibly  

When many people celebrate the holidays in Brecksville, OH, they do so with friends, family, and spirits. Unfortunately, as the homeowner, you may be responsible for your guests getting home safely. To avoid potential liabilities, make sure you have a designated driver for everyone that comes to your holiday celebration and drinks.  

Protect Your Home from Home Fires  

At Ganley Insurance, we’ve found that many people increase their chances of experiencing a fire during the holidays. Some common fire hazards include decorating with lights or an unsupervised stove top. You can avoid this problem by taking measures to reduce the odds of experiencing a fire by educating yourself on home fire prevention techniques.  

For many of our clients at Ganley Insurance, the holidays are their favorite time of year. However, it can be a dangerous time of year as well. You can reduce risk exposure by taking common-sense measures to prevent risks.  

 

3 things to check in your home for fall

The advent of cooler weather is an important time for homeowners in Brecksville, OH.  With the change in seasons comes a raft of new chores, however. Fortunately, at Ganley Family Insurance we know what you need to do to get ready for the fall.

  1. Pack away your summer stuff.  Along with storing your bathing suits and tank tops, take the time to pack away your yard toys and patio furniture. Place everything in a dry space away from water leaks or other hazards. When winter storms hit, this will give you one less thing to do.
  2. Prep your yard.  Trim back tree branches that could fall and damage your home or cars.  Also rake up leaves and remove debris from your roof and the sides of your home. As this material gets wet, it can decay and rot the structure of your home, leaving you with massive repair bills next spring.  If you can, make sure to remove this material from your roof as well.
  3. Prepare your HVAC system.  Fall is a good time to have your unit professionally serviced, since many companies tend to be slow this time of year.  Also make sure that your outside unit is clear of debris and weeds.  Remove dust form your heater coils and ductwork with a vacuum cleaner.

This fall, if you’re thinking about getting a new home owner’s insurance policy, or if you just want to save money on the policy you already have, call the agents at Ganley Family Insurance.  They have years of experience helping people in the Brecksville, OH area find a policy that’s right for them.

6 Reasons Your Home Insurance Policy Matters

You likely already know your home insurance policy does matter, but the mere fact of thinking about what insurance really means can make you consider events you’d prefer not to dwell on. Ganley Family Insurance serves Brecksville, OH wants you to keep your home safe though, so learn more about why it should be on your mind. 

1. You Have More Than You Think 

Most people don’t realize just how much valuable possessions they’ve managed to accumulate. When people move, they may think that they have a lot of ‘stuff’, but some of that stuff is worth a lot. Home insurance can make sure you keep it. 

2. Natural Disasters Can Come From Nowhere 

And there’s nothing worse than feeling unprepared for them, or wondering what will happen you if something happens to your home. 

3. Snow Is Here to Stay 

Ohio can get some wicked snow, and even if it’s not a natural disaster, it can cause some damage to both the inside and outside of a home. Having a means to claim these repairs can save you more money than you think. 

4. Criminals Can Strike Anytime 

And they may do more than just take your jewelry. Without the right kind of coverage, you may be left to pick up the pieces on your own. 

5.  Floods Cause Major Damage 

Unless you bought extra insurance, floods are not typically covered. This can come as a surprise to many homeowners who find this out too late.  

6. Insurance Means Someone Fighting on Your Side

And no one understands this more than Ganley Family Insurance. If you’re looking for a new quote serves Brecksville, OH, then give us a call for more information or to ask questions about your current policy.

Tips For Buying Life Insurance

Life insurance is not usually something that people think about unless they have a reason to consider it. At the same time, it is something that everyone should have, no matter their health state or age. Unless you work in the insurance field, it can be difficult to know exactly how much life insurance you need. You do not want to run the risk of buying too little or too much coverage. Before you purchase life insurance, you need to answer some basic questions so you can make sure you get the right amount of coverage. These questions can get you started:

  • How much debt do you owe? You will want to determine the exact amount of debt you have and how much it would cost to pay it all off if you were to pass away tomorrow. The last thing anyone wants is to leave their family members with debt that will need to be paid off. If you make sure you have enough life insurance to pay for the debts, then you will not have to worry about this.
  • Have you planned for the funeral costs? Funerals are very expensive and you should set aside enough money in your life insurance to pay for it all so that someone else does not have to.
  • Do you care for any individuals financially? If you have people that rely on your income for survival, you need to make sure you leave them enough money to take care of themselves until they can get back on their feet financially after you pass.

If you are interested in purchasing a life insurance policy, please contact us at Ganley Family Insurance today. We serve Brecksville, OH and will be happy to assist you with all of your insurance needs.

Which type of motorcycle insurance is best for you?

Motorcycle insurance is a requirement for anyone who wants to ride their bike on public streets, but there are several different types of coverage. Much like auto insurance, motorcycle riders can opt for minimum coverage that would only cover the expenses of the other parties involved in an accident in which they are at fault. They can also choose to pay a little more to get coverage that would cover their own damages, or even a policy that would pay for the bike in the event that it was damaged or stolen.

Choosing the right level of coverage can be tricky, however. There are a number of options available, making it hard to choose exactly how much and what type of coverage is right for you. In order to figure it out, think about what would happen if you were in an accident on your motorcycle. Would you be able to afford your own medical bills? Could you afford to replace your bike? If you can’t afford to replace your motorcycle, would you be ok waiting a few months or years until you had saved enough money to buy another one?

If you depend on your motorcycle to get to work or school in Brecksville, OH, then you need to have comprehensive insurance coverage. This type of coverage would provide funds to repair or replace your bike if anything happened to it. If you have a recreational bike, you may be able to get away with just a collision policy.

If you’re trying to figure out what type of motorcycle insurance policy is right for you, call the agents at Ganley Family Insurance. They’ll be able to help you find the right insurance policy at a price that fits your budget.

5 Ways to Keep Your Family Safe on Your Boat in Brecksville

Owning a boat is your ticket to a wonderful ride on the lake, but there are also inherent dangers that come with being on the water. Keeping your family safe is paramount and it’s easy when you have the right tools. Here are 5 ways to have a great summer. 

1. Teach Everyone the Procedures

When people panic, all reason can go out the window. You need to have a designated plan that can be implemented immediately after problems occur. All of the steps need to be rehearsed at length. While your kids may find it annoying to run through it over and over, it will ultimately be in their best interest to do so. 

2. Wearing Life Jackets 

Even if you and your family are excellent swimmers, things can happen that can render you temporarily unable to swim. Enforce this rule so you have consistent measures to stave off a drowning accident. 

3. Install a Carbon Monoxide Detector 

This horrible type of poisoning is often undetectable until it’s too late. You face this danger with boats, and it’s worth having a detector so you know when it reaches unsafe levels. 

4. Have a Float Plan 

If something goes wrong, a float plan will tell officials where you are so they can find you. Telling a friend may mean wasting time if they’re unable to remember your exact location or wait too long to call in your absence. 

5. Buy Insurance 

From personal injuries to damage to your boat, insurance can help you have the right protection in your corner. Ganley Family Insurance serves the people of Brecksville, and we’re here to get you the details on a new policy, so you can feel even more secure when you’re on the water.