Insurance for Business in Texas
First of all, congratulate yourself. Whether you have been running your small business for several years or you are just about to launch your start-up enterprise, you have to give yourself a pat on the back for taking those very important first steps toward entrepreneurship and financial freedom.
Now, the bad news: by having your own business, you have opened yourself up to many risks — from accidents that cause injuries and property damage to lawsuits that can become huge financial burdens. No matter how careful you are, you just might find yourself facing one of these misfortunes. But while risks are part of doing business, the good news is that by having a properly conceived risk management plan that incorporates the right business insurance policies, you can actually provide ample protection for your invaluable investments.
Commercial General Liability Insurance
Every business, no matter how big or small, should have general liability insurance. This policy provides coverage when you are faced with a lawsuit alleging bodily injury or property damage caused by your business operations. Your commercial general liability insurance can provide financial coverage for your defense fees, for lost income due to business interruption, and for any liability that might be imposed by lawsuits.
Product Liability Insurance
Any business that manufactures, retails, supplies, or distributes products may be liable for their safety. Product liability insurance protects your business from financial loss by providing coverage for damage or injuries caused by the product to any buyer, user, or even bystander.
Source: Quote Texas Insurance
Posted on July 5th, 2021
MAKE YOUR ROOF LAST WITH THESE 8 TIPS
BAY AREA ROOFING CONTRACTORS DISCUSS MAINTENANCE AND CARE
A roof is an investment that you want to last- after all, it is what protects your home and family from the outside elements. It is possible to extend the lifespan of a roof, with regular care and maintenance. Make your roof last with these top tips from San Francisco roofing professionals:
Get Rid of Any Moss or Mold
One of the main reasons why you see so many San Francisco reroofing jobs is due to the prevalence of algae, moss, and mold that so easily grows on roofs in the rough climate. The moisture trapped degrades and deteriorates your roof, making it old before its time. Clean and remove these contaminants before they have a chance to grow.
Keep an Eye Out for Leaks
It takes a keen eye to spot leaks along the roof, ceilings, or walls of the home. These cracks or gaps indicate a roofing problem that merits prompt intervention. Regular roof inspections can help with this- but more on that later!
Trim Your Trees
Overgrown trees and foliage can cause damage that may shorten the lifespan of your roof. The best prevention is routine landscaping and tree trimming service. Consider this an investment in your property’s roof!
Lighten the Load
Anything heavy and wet on your roof is going to take a toll- including snow. If you live in a region prone to snow and ice, removing this will help preserve the life of your roof.
Watch for Missing Shingles
Missing shingles usually stick out like a sore thumb. Keep an eye out and know that your roof could be vulnerable to deterioration where the shingles are missing. Get these replaced or repaired promptly to avoid further property damage.
Have your Roof Inspected
Do you have your roof inspected annually? This is one of the most effective ways to extend the lifespan of your roof. Here are some highly trusted companies who are very popular for their roofing service in their local area. So if you are in their service area then you can get their services.
- Greenwich Roofs - Roofing Experts Serving Greenwich, Stamford and all of Fairfield County
- Heartland Roofing, Siding and Windows -Professional Roofing Contractor Serving The Des Moines, IA
- Dalworth Roofing - Commercial & Residential Roofing in Dallas-Fort Worth
Posted on July 5th, 2021
Why Air Sealing Your Attic Is Worth It
It was undoubtedly a huge step to insulate your entire home, but is air sealing the attic worth it? Even if you don’t intend to use your attic, it’s still a source of energy leaks. If you want to save on your energy bill and keep your home comfortable, air sealing the attic is most definitely worth it! We’ll show you why below.
What is Air Sealing?
In a nutshell, air sealing your attic means inspecting and then treating your attic for leaks. A professional will check the attic for places where air or pests can penetrate. Different cracks or leaks require different kinds of air sealing, caulks or sealants, but you’re creating a barrier between your unconditioned attic and your conditioned living space.
Air sealing an attic is sealing the attic from the living space. You want lots of holes leading from your attic to the outside. That is the ventilation required in an attic. Holes between outside and your attic – good. Holes between your attic and living space – bad. Ideally, your attic is the same temperature as outside.
Benefits of Air Sealing Your Attic
Air sealing an attic goes a long way to maintain your home. Besides keeping energy costs low, it’ll mainly help to keep your home feeling comfortable long-term. Without a sealed attic, hot air can get inside the living space (heat gain) during warmer months and get outside (heat loss) during colder months. You won’t have to crank up your heater or your air conditioning as much, because a sealed attic will keep warm air inside of your home.
Besides stopping unwanted air movement, sealing your attic will also keep out soil gas. Each house has a stack effect, or "suction," that draws gases from the ground beneath the building. While they’re not necessarily dangerous, they can disrupt your home’s air flow.
What Are the Risks of Not Air Sealing Your Attic?
Holes in your attic can cause differences in air density. For example, your chimney might draft heated air into your attic and then suck cold air down around your windows and doors. The greater the thermal difference and the structure’s height, the greater the stack effect will be.
Plus, there’s the simple science of warm air rising. The more hot air you try to push into your house, the greater the loss will be through holes in your attic. Plus, dust particles float along with this warm air, so insulation will help trap that dust.
If your attic ventilation is not up to par, your attic’s temperature will rise. Especially in the winter, run-off from melted snow will eventually refreeze along your gutter and may destroy shingles and your roof’s sub-floor. Air sealing will prevent added hot air from moving into your attic and cold air from moving into your living space.
What is the Average Air Sealing Attic Cost?
The cost of air sealing varies by contractor and size of the attic. No matter the air sealing attic cost, it should help lower your energy bills in the long run.
Along with whole home insulation, adding air sealing is more than worth the money. If you’d like a professional opinion on air sealing your attic, go ahead and contact a network of highly skilled, highly trained specialists who're very popular for their service in their local area. So if you are in their service area then you can get their services.
- Reed's Sprayfoam Insulation - Expert Spray Foam Insulation Contractor Near Lexington, Charleston, Georgetown
- Mohr Foam Insulation - Expert Spray Foam Insulation Services in Johnson City, Kingsport & Asheville
Posted on July 5th, 2021