As the spring season arrives, it’s an opportune time to begin searching for a reliable used camper. Whether you’re exploring options at a dealership or considering a purchase from an individual seller on platforms like Craigslist, it’s crucial to know what to look for in terms of potential damage or wear. By paying attention to the following trouble areas, you can save yourself from costly repairs and ensure a satisfactory camper-buying experience.

Delamination

RVs are typically constructed with laminated plywood and bonded with adhesive. Over time, this adhesive can deteriorate, leading to delamination of the RV’s side. Unfortunately, delamination is a challenging issue to fix inexpensively. Common causes include moisture, heat, or simply aging.

To identify delamination, examine the side of the RV. Look for any changes in the surface, resembling a large bubble. Press your hand against it. Does it flex or feel like there is space between the exterior fiberglass shell and the interior plywood?

Tires

Inspecting the tires is a straightforward task. Look for small cracks between the treads. As RVs sit unused, flat spots and weather cracks can develop on the tires. While these cracks are mostly cosmetic, they can gradually degrade the tire’s integrity. If the tires show signs of wear or cracking, factor this into the overall cost of purchasing the RV.

Rodent Damage

Rodents have a knack for infiltrating various spaces, and your RV or trailer is no exception. In fact, these vehicles provide ideal homes for rodents since they often remain undisturbed for extended periods. When searching for signs of rodents, check beneath seat cushions and inspect storage compartments. Look for droppings, as mice and rats tend to leave them everywhere. Rodent infestation poses both health hazards and potential damage to your RV’s interior.

Water Damage

RVs are highly susceptible to water damage, as many manufacturers in the US may not build them with optimal quality. Water damage is usually easy to detect through smell or visual cues. A musty odor or dampness inside the RV serves as a significant indicator. Look for mineral stains or watermarks on wood surfaces, particularly around skylights and air conditioners on the roof.

Additionally, walk around the RV or trailer and apply pressure to all sides. Water infiltration can quickly lead to structural rot in the RV’s framework. Pushing on the sides can help identify compromised areas. Pay close attention to windows and the roof.

Appliances

Replacing RV appliances can be incredibly expensive due to their compact size and specialized nature. When considering a used RV, request the owner or dealer to start up the refrigerator before your arrival, allowing you to feel its cooling effect. RV refrigerators can run on electricity, battery, or propane. They typically take around two hours to cool down, so ensure it’s turned on in advance.

Additionally, while inspecting the camper, test the functionality of water heaters and any other systems that are important to you.

Canvas

If your trailer or RV features canvas components, closely examine them for signs of mold or staining. Additionally, if any windows are made of plastic, check the zippers and windows for cracks. Replacing the canvas top of a pop-up camper can cost upwards of $3,000, so it’s crucial to assess its condition.

Flooring

The floor of an RV, camper, or trailer is prone to damage. Older RVs often had simple plywood floors without adequate protection. Furthermore, protected floors could trap water that seeped in from above, leading to rot. When inspecting a trailer for a rotted floor, get down on your hands and knees and apply pressure throughout the floor, searching for flex or sponginess. If you have a hard tool and can get underneath the camper, push the tool up into the exposed wood floor to check for areas of rot.

Once you purchase a Camper or Trailer that satisfies these needs, feel free to contact our agency so that we can provide you with a free quote for RV insurance.

As spring arrives, the gardening enthusiasts among us eagerly anticipate the joys of tending to our gardens. Not only does cultivating your own garden save money on groceries, but it also provides the satisfaction of nurturing and growing your own food. It’s even more enjoyable when you can involve your children and impart some of your favorite gardening tricks to them.

Whether you’re a seasoned pro or a gardening beginner, the following tips will help ensure your gardening endeavors are successful.

Choose Your Favorites:

Begin by deciding what you want to plant. If you’re new to gardening, start small with potted herbs and vegetables. This allows you to manage and care for your plants easily.

Find the Perfect Spot:

If you plan to have a vegetable garden, select a location that receives at least six hours of sunlight daily. Consider the mature size of the plants and position taller ones on the north or west side, preventing them from shading other plants. Additionally, keep your water spigot in mind, placing the garden near it to avoid dragging hoses across your yard.

Proper Spacing:

Allow sufficient space between each crop. When planting vegetables in rows, maintain a distance of at least 18 inches between them. Proper spacing ensures healthy growth and minimizes competition for resources.

Nourish the Soil:

Start by testing your soil. After thoroughly watering it, observe its condition the following day. Take a handful of soil and check its consistency. If water streams out, add two to three inches of organic matter, such as manure, compost, decayed leaves, or dry grass clippings. If the soil is too dry and does not form a ball when squeezed, add organic matter. The ideal soil should form a ball when squeezed and break apart slightly when dropped.

Water Adequately:

Most vegetable plants require approximately one inch of water per week. Watering in the morning allows the soil to retain moisture effectively. When watering, do so slowly to ensure the roots absorb the moisture and the soil remains hydrated.

Mulch for Protection:

Mulching your garden serves multiple purposes. It insulates the soil, retains moisture, reduces weed growth, and protects plants from diseases. Apply a layer of about two to three inches of organic mulch around your plants to enjoy these benefits.

Optimal Fertilization:

Maintain soil fertility by incorporating organic compost, making up around 20% of the soil composition. This natural fertilizer ensures healthy plant growth. Avoid excessive fertilizer usage, as it may hinder the desired results and decrease your overall harvest.

While we can’t personally tend to your garden, we can assist you with your insurance needs. If you have any questions regarding your home, auto, or business insurance, don’t hesitate to reach out to our agency. We’re here to help you cultivate a flourishing garden and provide peace of mind in all aspects of your life.

Do you own a highly valued comic book that has been safely preserved since your childhood such as the legendary first appearance of Stan Lee’s Spider-Man? What about a piece of art, fur, or watch? You may be well aware that these prized possessions could be worth a fortune, but have you ever pondered what would happen if they were lost, stolen, or destroyed?

Throughout our lives, many of us acquire valuable items, whether through inheritance, as collectors, or for investment purposes. Perhaps you were given a valuable antique watch, a vintage fur or handbag, or received a costly engagement ring.

It is common for individuals to assume that their standard home insurance policy will cover these cherished collectibles. However, it is vital to grasp that such policies usually have specific limits when it comes to covering these high-value possessions. Typically, the coverage limit hovers around $1,500, but this figure can vary among insurance companies.

Many high valued collectibles or items need their own insurance policy or endorsement to be properly covered. For example, if you possess a watch valued at $10,000, it is possible your home or renters insurance policy would only cover a small portion such as $1,500. If it was stolen or damaged, you would be left with a substantial gap of $8,500 in coverage.

To bridge this gap and safeguard your valuable possessions adequately, it is crucial to engage in a discussion with your insurance agent about obtaining what is known as a “floater.” A floater is a specialized type of insurance policy that allows you to specifically insure individual items.

An easy way to remember a floater is that it is designed for items that have the potential to “float away” or be easily carried away. By their very nature, these items possess an increased vulnerability to theft or damage.

Consider adding the following valuable items to a floater policy:

• Watches
• Rings, necklaces, and other jewelry
• Art
• Furs
• Historical documents
• Comic books

By procuring a floater policy, you can ensure that your treasured possessions receive comprehensive protection, covering their full worth. Don’t leave the fate of your valuable collectibles to chance; take the necessary steps to safeguard their future.

Reach out to our insurance agency if you have any questions or concerns. Our insurance agents can review your current home or renters insurance coverage to help you determine if you have any potential gaps in coverage.

We’ve all come across those tents offering “Free rock chip repair!” but it’s clear that there must be a catch somewhere. While insurance companies do cover the cost of injecting epoxy into the chip to prevent it from turning into an irreparable crack, there may be consequences to consider. After all, insurance companies prefer to pay $40 for a repair rather than $250 for a windshield replacement.

So, the question arises: Can filing a rock chip claim affect my insurance rates? The short answer is yes, it is possible.

Depending on your insurance company, multiple glass claims can upset the delicate balance of claims loss. Insurance companies typically factor in various rating criteria, including age, zip code, and previous claims when determining rates. Some insurers argue that individuals who frequently file glass claims have a higher overall loss rate, which translates into increased costs for the company.

Additionally, the number of claims you file within a specific time frame can play a role. For example, if you submit a theft claim and then file a rock chip claim the following week, it could raise a red flag on your policy due to excessive claim activity, potentially leading to a rate increase. This occurs because when you visit a rock chip repair tent, they ask for your policy number and file an insurance claim to receive payment (if you have comprehensive insurance).

It’s important to note that not all insurance companies follow this practice, and determining which ones do and which ones don’t can be challenging. It’s wise to rely on your local insurance agent to guide you to the best options for your insurance needs. For instance, if you commute frequently and find yourself needing a new windshield every year, your agent can help identify a company that may be more lenient regarding multiple claims. Some insurers even offer zero deductible glass replacement.

Regardless of your situation, it’s always advisable to discuss your insurance options with a licensed insurance agent who can provide personalized guidance.

In conclusion, filing rock chip claims can potentially impact your insurance rates. The decision to file a claim depends on various factors, and it’s essential to understand the policies of your specific insurance company. By consulting with your insurance agent, you can navigate the options available to find the best coverage for your needs. Let us help you with your auto insurance. We represent multiple companies and can find you the coverage and pricing you want.

A fireplace is often considered one of the most enchanting features of a home, capable of creating a cozy and inviting atmosphere on cold evenings. However, it is essential to prioritize the proper maintenance of your fireplace to ensure the safety of your household and visitors.

Fireplace Safety and Maintenance Guidelines

Wood Burning Fireplaces:

Check the flue for obstructions: Before lighting a fire, inspect your chimney to ensure it is clear and free from any blockages. Sometimes, birds or other animals may take shelter in the chimney during the off-season, so it’s crucial to check if you haven’t used your fireplace for an extended period.

Keep glass doors open: If you have a traditional wood burning fireplace with glass doors, it is recommended to keep the doors open while using the fireplace. The doors are designed to insulate the room when the fireplace is not in use, rather than containing the fire. By keeping the doors open, you allow proper airflow for the fire while using a screen to prevent sparks and debris from causing damage.

Install a chimney cap: Chimney caps serve multiple purposes, such as protecting the chimney from rain and preventing birds and other creatures from entering. Additionally, installing a screen across the chimney helps prevent sparks from flying out, reducing the risk of fires on roofs or lawns.

Schedule a chimney sweep inspection: If you have burned 70-100 fires, it is advisable to contact a chimney sweep. They will clean any buildup in the chimney and conduct a visual inspection to ensure the chimney is structurally sound and free from potential hazards.

Gas Burning Fireplaces:

Install an oxygen-depletion sensor (safety pilot): Consider installing an oxygen-depletion sensor that acts as a safety mechanism. It can detect any malfunctions in the fireplace or excessive carbon monoxide levels, automatically shutting off the gas supply.

Place carbon monoxide detectors: Install carbon monoxide detectors near the fireplace and on every floor of your home. Ideally, position a couple of detectors per floor to provide comprehensive coverage.

Maintain a safe distance: Keep flammable objects, such as curtains and fabrics, at least three feet away from the outer edge of the fireplace. This precautionary measure minimizes the risk of fires or smoke damage.

Respond to gas odor promptly: If you detect a gas odor in your home, contact your gas company or call 911 immediately. Gas leaks can pose serious safety hazards and should be addressed promptly.

Keep the fireplace damper open: To prevent carbon monoxide from entering your home, ensure that the fireplace damper remains clamped open while the fireplace is in use.

Regardless of the type of fireplace, it is crucial to keep children and pets at a safe distance. Burning fireplaces consume oxygen and produce carbon monoxide, so maintaining functional carbon monoxide alarms is essential to ensure the safety of your family.

Regularly maintaining your fireplaces is just one critical step toward ensuring the safety of your home and guests. It also serves as an effective means of avoiding costly homeowner’s insurance claims and the emotional distress associated with fire-related incidents. By implementing these fireplace safety measures, you can enjoy the warmth and ambiance of your fireplace while keeping your loved ones protected.