ICE DAM ALERT! Definition & How They Forms
A cycle of melting and refreezing occurs when snow accumulates on a roof. Two key factors that interact to cause a problem include the outside temperature and the temperature inside the attic of an affected home. The warmer the temperature is inside the attic, the more the snow will melt at the roof surface. Typically, the melted snow should flow off the edge of the roof. When the air temperature is very low, the melted snow refreezes at the edge of the roof, where the interior roof surface is not being warmed by the attic. The refreezing forms an “ice dam,” which is a collection of ice that blocks the path of other melting snow. As this dam continues formation to a certain height, the melting snow behind it will leak back under the roof shingles and eventually into the home’s interior. On those roofs with a low slope, even a small amount of “ice damming” will result in water backup and damage in short order.
Typically, but not in all cases, your homeowners policy will respond to the damage from an ice dam. However in almost all cases your deductible WILL apply to this loss. Often at $500 or more and with a major disruption in your life as water begins to flow into your home, you are far better of too be proactive in preventing this loss.
If you would like more information on how you can prevent Ice Dams on your home, see this link.http://www.fmins.com/publicDocs/pdf/FI/LossControl/IceDamming.pdf
If you need help finding a contractor who can assist in the removal of a dam please call our office and we will be glad to assist you.
The Smith & Eddy Team
Robert A. Smith
Dear valued Smith and Eddy clients and business associates, It is with heavy hearts that we write to inform you of the untimely death of our owner, Robert A. Smith. Robert built a legacy in Smith and Eddy Insurance and we wanted you to know that not only has Robert instilled his core values into the business, but into each and every employee as well. His commitment to customer service was second to none. He was also very proud to be able to say that Smith and Eddy was locally owned. More importantly, he would want his legacy to live on. Robert lived to serve his community, shared his passion of community support to all of us, and insisted that we give back to our community any way possible. It is with great honor that we continue to take his legacy far into the future. We are committed to continue to serve our customers in any way possible. That being said, it will be “business as usual” here at Smith and Eddy Insurance. We will continue to serve our customer base in the professional manner to which you are accustomed for many years to come. We invite you to call any of our professional staff with any questions you might have. We are here to serve you, and greatly appreciate your business. We would also like to take this opportunity to thank you all for the outpouring of love and support you have shown to all of us during this trying time.
The entire team at Smith and Eddy Insurance.
Why are my auto insurance rates increasing?
Michigan drivers are required to purchase unlimited, lifetime medical coverage for injuries sustained in auto accidents under Personal Injury Protection (PIP).
These costs are escalating at an alarming rate.
They are so high because medical providers will not negotiate charges for their services on auto insurance claims, although they accept lower payments on Workers’ Compensation claims and individuals treated through PPOs (Preferred Provider Organizations).
For example, a hospital may accept as little as $224 for a CT Scan on a Workers’ Compensation claim, while charging an auto insurance carrier as much as $1,820 for the same procedure!
How am I charged for PIP coverage?
Under the current no-fault system, your insurance carrier pays for lifetime medical coverage up to $500,000.
This covers 99% of all injury cases.
In addition to your PIP premiums, there is an additional charge for coverage through the Michigan Catastrophic Claims Association (MCCA).
The MCCA pays for PIP claims once they exceed $500,000 – about 1% of all injury cases. This shows up as a separate charge on your auto insurance policy, and it is based on the number of vehicles insured.
Do I have options?
Presently, No, you do not. And, Michigan is the only state not permitting motorists to choose the level of medical coverage they wish to purchase.
The state of Michigan needs No-Fault reform. Legislation has been proposed in Lansing which would enable you options In selecting varying levels of medical coverage – which would lower the amount of auto insurance premium you pay.
Please contact your legislators and encourage them to support No-Fault reform.