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MARIA LOREM
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PETER LOREM
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MARK LOREM
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JESSIE LOREM
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VICTOR LOREM
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ALICE LOREM
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JOHN LOREM
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The COVID-19 pandemic forced many small businesses to adapt their operations, including taking extraordinary steps to preserve employee and customer safety. While these resourceful actions were often necessary, they could also introduce new risks that require careful insurance considerations.
People accumulate considerable amounts of things like clothes, furniture, and electronics over the years. The values of these items add up. I’ve seen example after example of policyholders being surprised by the combined value of their possessions. It’s been my experience that young people, especially those in their 30s, tend to underestimate their assets' worth. I also have some personal experience with the phenomenon of dollar values sneaking up on you: My son started buying and selling comic books when he was in high school. Most of them were moderately priced. Yet, by the time he left for college, he had five boxes of comics collectively worth thousands of dollars.
Icicles and ice dams form under the natural thawing and freezing cycles that follow winter snow storms. But while icicles add visual appeal, ice dams can be a hidden risk to the roof and gutters as well as the attic and interior walls.
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