We’ve moved!

In order to have a better online presence, this blog is moving.  Our new address is:


Come visit us there and sign up for free offers.


Here comes Florence

Tropical Storm Florence was upgraded to a hurricane this morning, September 9, as it bears down on the the southeastern coast of Florida.  At this point, nobody can say exactly where it will hit or what kind of damage it will do.  But it is a reminder that hurricane season is now upon us as the fire season, though not over, is winding down.  Do you know what you should do to be prepared?  Do you have your important documents safely guarded?  What about other valuables?  Do you have the supplies you will need if you have to evacuate your home?  The time to be prepared is NOW.  Get lots of tips for preparing from Rising from the Ashes which will help you, not only in preparing, but also if you are unfortunate enough to suffer property damage or loss as a result of coming storms.

What if?

What if you were forced to evacuate  due to an oncoming storm or fire and you only had 15 minutes to gather your things.  What would you take?  Would you frantically run around your house gathering whatever you could grab?  Would you have your most precious items always by the front door, just in case?  In the heat of the moment, it is easy to panic and not be able to think clearly.  You are worried about your safety and that of your family, first of all.  Would you even know where your car keys are?  There are strategies to avoid such a panic in the event of an emergency.

How about a list of what is important–made during quiet moments when there is no emergency?  Check out Rising from the Ashes for many suggestions of what you need to have ready.  You’ll be glad you did.


There has been a lull in the news….

We haven’t heard of too many new fires in the last few days.  Does that mean the fire danger has passed?  Not hardly.  In our area, we had rain for a few days and that was great.  However, the rains are slowing down now and we have wind.  Wind dries all the plants out and guest what, the fire danger goes up again.  And while fires are still a possibility, the peak of hurricane season is from August through October–the time we are now in.  People need to be prepared in those areas where hurricanes are likely to strike.  Be ready, be prepared.  Take a look at Rising from the Ashes for pre-disaster preparation.  We never know when nature will assert herself in the form of fires, hurricanes, tornadoes or floods.

Farewell to a hero–Battalion Chief Matt Burchett

Let us not forget those first responders who work tirelessly to protect us and our property.  Some make the ultimate sacrifice by giving their lives in the line of duty.   Battalion Chief Matt Burchett from Utah died while fighting the Mendocino Complex Fire which so far is the largest wildfire in California history.  He was returned home to full military honors.  May he rest in peace.

Loss of use. What’s that?

Do you know what is in your homeowner’s policy?  Are you covered for loss of use?  Loss of use is an important provision to include in your policy because your living expenses while you are out of the house will be covered up to a certain amount, depending on your limits.  After a widespread natural disaster claims dozens or maybe even hundreds of homes, an immediate need for alternative housing is created.  Your loss-of-use coverage will take care of the rent for up to a year (perhaps longer if you are actively rebuilding).  Most lost-of-use riders will cover housing which is comparable to what you lost.  Considering how minimal the cost of the rider is for this benefit, it is well worth having in your policy.  You may never need it, but if you do, it is worth more than you can imagine!

Are your animals protected?

Did you know that if you have livestock, unless you have a separate policy or a rider, they aren’t covered if lost in a natural disaster?  If you are properly insured, your real property (house and land) is covered as well as your personal property.  But animals fall under a different coverage.  Be sure to check that out with your insurance agent.  Find out more here.