Frequently Asked Questions about Homeowner Insurance

Frequently Asked Questions about Homeowner Insurance

Owning a home is part of an American dream. Protecting it from unexpected accidents or natural disasters is one of the reality of home ownership. Before purchasing homeowner insurance in Santa Maria, CA, or where you come from, it’s important to learn the facts about homeowners insurance in order to choose the right type of coverage for your home. Read on to get answers to some of the most frequently asked questions about homeowners insurance.

Frequently Asked Questions about Homeowner Insurance


What is Homeowners Insurance?


Homeowner’s insurance, also called hazard insurance, is a type of insurance policy that protects the home and its contents against potential hazards, damage, or emergencies. This type of insurance usually covers the cost of restoring damage caused by natural disasters, water, or fire and loss of personal property due to theft or destruction.


Do I need to buy a homeowner’s insurance policy?


Unlike car insurance, homeowners are not legally required to purchase a homeowner’s insurance policy. However, most mortgage lenders require homeowners to purchase the minimum amount of insurance coverage before issuing a loan. If you have your home free and clear, you are not required to bring homeowners insurance.

Frequently Asked Questions about Homeowner Insurance

What are the Different Types of Homeowner Insurance?


Since each house is unique, there are several types of homeowner insurance policies designed to meet your home specific needs. Here are some of the most common types of homeowners insurance policies:

Straight replacement coverage: This policy gives you a set amount of money to repair or rebuild your home.
Coverage of guaranteed reimbursable cost: This policy provides the funds needed to completely replace your home regardless of the rise in building costs, inflation, or policy limits.
Flood insurance: This policy provides the funds needed to repair or replace your home if it is damaged by flooding. Standard homeowners insurance policies do not cover water damage caused by waterways or dams.
Earthquake Insurance: This policy provides the funds needed to repair or replace your home if it is damaged or destroyed by the earthquake. Standard homeowners insurance policies do not cover earthquake damage.
Life insurance mortgage: This policy provides the necessary funds to pay off mortgage loans at home in case of death of the home owner.

Frequently Asked Questions about Homeowner Insurance

What Coverage Do I Need?


Since your home is the biggest and most important asset, it is important to purchase adequate insurance coverage to protect it completely against any kind of loss. Most insurance providers recommend buying a policy at least 80% of your home and personal property replacement value indoors. Purchasing additional coverage is highly recommended to ensure your home is properly protected.


What factors affect the homeowners insurance premiums?


Premiums are the annual cost of your insurance policy. The following factors may affect the cost of your homeowner’s insurance premiums:

Features: The age and characteristics of your home including the type of structure, roof, and cable, can all affect the cost of premiums.
Location: Insurance rates may be affected by a particular environment or location that is likely to be exposed to extreme weather.
Protective devices: Smoke detectors, alarm systems, fire extinguishers, sprinkler systems, and deadbolts can lower insurance premiums.
Personal factors: Smokers and individuals with a good credit history may be eligible for a lower insurance premium.
Claim history: Individuals with a history of homeowners’ insurance policy claim may pay a higher premium.


Frequently Asked Questions about Homeowner Insurance

What items are excluded from the homeowners insurance policy?


When shopping for homeowner insurance in Santa Maria, CA, it’s important to understand that the most comprehensive policies have certain restrictions and exceptions. Some of the most common items excluded in homeowner insurance policies include cars, motorhomes, ships, business properties, and pets. Some policies may also provide limited coverage on weapons, jewelry, and silver. Consult an experienced insurance agent can help ensure that you find the right policy for your coverage needs.

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This 12 Volt LED is the Only Light Idea You Need


Everyone can use a little more light. Sitting in the dark all day makes people feel depressed, and not all in your head.

There is a proven link between darkness and depression.

Feel like a wall that closes? Get some lights! This is very easy.

Besides alleviating depression, a well-lit house just looks more inviting. There was something friendly about the glittering light that read, “Come on in, we’re glad to meet you!”

Is not that what we all want from our homes? A place that invites shelters from the world’s ills.

A place that welcomes you with open arms, no matter what matters are provided that day.

Well, it turns out this is all easily accomplished with a little work and some LED lights. Anyone can have a dimly lit house without breaking the bank.

We’re breaking down exactly how to brighten up your living space, and why this 12-volt LED light is exactly what you want it to be.

LEDs in the Kitchen
The LED light has a low intensity, meaning it will not blind you from close range. They are also quite compact, which makes the kitchen lighting perfect.

Consider installing an LED light under your cabinet to provide a desk lamp. Believe us, cutting vegetables with good lighting makes the world different.

Strip lights are easy to install, and are actually quite striking and conspicuous.

Stick light strips wherever you want, then plug the power supply into the wall. There is no cable work to do, and really the whole process takes a few minutes.

People without stove lights can also find LED tap lights that are useful for cooking. The lamp is durable enough to withstand heat and grease, making it ideal to illuminate your stove.

Drawer and cabinet
Ok, so this room will not light up your house, but everyone cursing the lack of light in the back of their closets.

LED strip lights work well in closets and drawers. Both spaces are small enough so that the ambient lighting of your home does not penetrate its cracks and crannies.

The installation is just like your kitchen lamp, only you might want a bit smaller strip (at least for drawers).

The best part is not to worry your lights heat up your closet or drawer if you forget to turn it off. LEDs produce hardly heat.

Get Festive
Yes, the holiday season is over, but that does not mean you can not wait for next year.

One great thing about LED lights is that they come in almost any color you can imagine.

You probably will not use colored lights throughout the year (or maybe you’ll have a dance, no judgment here), but at Christmas colored LEDs can make your house magical.

Pointing out the red and green standalone lights on your trees creates a truly remarkable background.

LED lights are perfect for any scenario. They can prevent depression, brighten the house, and work in almost any situation.

Hopefully, you find some ideas of this project interesting. Never tap the power of efficient lighting.

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Puerto Rico is still mostly without electricity

Puerto Rico is still mostly without electricity
Six weeks after Hurricane Maria, the head of the Army Corps of Engineers predicts another two to three months before the Puerto Ricans have power restored

Lt. Gen. Todd Semonite, the head of the Army Corps of Engineers, predicts it will be two or three months before most Puerto Ricans regain power in their homes. The vast majority of people in the U.S. territory have gone without it for over six weeks since Hurricane Maria directly hit the Caribbean island. Lt. Gen. Semonite speaks to Steve Kroft for a report on the current conditions in Puerto Rico and the outlook on its recovery to be broadcast on 60 Minutes Sunday, Nov. 5 at 7:30 p.m. ET and 7:00 p.m. PT.

Lt. Gen. Todd Semonite, the head of the Army Corps of Engineers CBS NEWS
Some Puerto Ricans living on the very ends of the electric grid may wait until spring or summer before they get their power back, warns Semonite. “The last mile is going to take a long, long time … probably 62,000 power poles that have to be brought in from the United States, that has to go 6.100 miles of cable , “he tells Kroft. “The science and the engineering and the logistics to be able to make it happen is just going to take some time,” says the general.

“We’re going to push like heck,” says Semonite, “I think the majority of people will hope to have their power up in January, maybe February. to spring or summer before they get them very, very last houses, “he says.

60 Minutes spent over a week reporting in Puerto Rico. Kroft also spoke to Puerto Rico Gov. Ricardo Rossello, Mike Byrne of FEMA and to retired FBI Agent Hector Pesquera, a Puerto Rican native who is directing emergency services and public safety on the island.

Pesquera says the Puerto Rican people, who are U.S. citizens, are owed a return to “some sense of normality.” “What happened here is that within a 24-hour period, life as we know it on the island just collapsed,” he tells Kroft. “There is no food.” There is no gasoline … There is no water.

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Take Security to Your Own Hand and get a HIPAA Risk Assessment


If your organization deals with protected health information, or PHI, the Department of Health and Human Services requires you to perform risk analysis as the first step to implement the safeguards specified in the HIPAA Security Rule, and ultimately achieve HIPAA compliance.

This includes all HIPAA hosting providers.

But what is a risk analysis? And what should be really included in your report?

The Health and Human Services Standards Guide outlines the nine compulsory components of risk analysis.
By conducting a comprehensive HIPAA risk assessment, it is very difficult to do on their own. You may want to contract with HIPAA auditors to help you.

Most people do not know what to find out, or they end up passing things because they do not understand data security.

If risk analysis is important to your security, then you do not want to ignore the key elements in the analysis.

There are nine components that health organizations and health-related organizations that store or transmit protected electronic health information must be included in their documents:

1. Scope of Analysis

To identify your scope – in other words, the area of ​​your organization you need to secure – you need to understand how the patient’s data flows in your organization.

It covers all the electronic media your organization uses to create, receive, maintain or transmit portable media, desktop and ePHI networks.

There are four main parts to consider when determining your scope.

Where PHI starts or enters your neighborhood.
What happens after that in your system.
Where PHI leaves your entity.
Where potential or leakage exists.
2. Data Collection

Here is a list of places to get you started in the documentation where PHI enters your neighborhood.

Email: How many computers do you use, and who can log in to each?
Text: How many mobile devices are there, and who owns them?
EHR entry: How many staff members are included in the data?
Fax: How many fax machines do you have?
USPS: How are incoming mail handled?
New patient paper: How much paper does the patient have to fill? Do they do this at the front desk? Test room? At another place?
Communication business associates: How do business partners communicate with you?
Database: Do you accept a marketing database of potential patients to contact?
It’s not enough to know where PHI started. You also need to know where to go when you enter your neighborhood.

To fully understand what is happening with the IRC in your environment, you should record all hardware, software, devices, systems and data storage locations that touch the IRC in any way.

Then what happens when the IRC leaves your hand? It is your job to make sure it is transmitted or destroyed in the safest way possible.

Once you know all the places where PHI is placed, transmitted, and stored, you will be better able to protect those vulnerable places.

Identification and Document of Potential Vulnerability and Threats

Once you know what happens during the PHI’s lifecycle, it’s time to find a gap. This gap creates an environment for unsecured PHI to leak inside or outside your environment.

The best way to find all possible leaks is to create a PHI current diagram documenting all the information you find above and putting it in a graphical format.

Viewing diagrams makes it easier to understand the PHI path and to identify and document anticipated vulnerabilities and threats.

Vulnerability is a defect in components, procedures, design, implementation, or internal control. The vulnerability can be fixed.

Some examples of vulnerabilities:

The website is incorrectly encoded
No office security policy
The computer screen is in view of the public patient waiting area
Threats are the potential of a person or object to trigger a vulnerability. Most threats remain outside your control to change, but must be identified to assess the risks.

Some examples of threats:

Geological threats, such as landslides, earthquakes, and floods
Hackers download malware to a system
The actions of members of the work force or business associates
Again, even if you are above average in terms of compliance, you may have little understanding of vulnerabilities and threats. It is important to seek professional help for your HIPAA risk assessment.

Assessing Current Security Measures

Ask yourself what kind of security measures you take to protect your data.

From a technical perspective, this is the case

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5 Most Shocking Meth Lab Explosions in History

Breaking Bad aired its finale in 2013. You’d think that it’s gonna get the right to decline.

Unfortunately, the manufacture of this deadly drug continues, and it continues to claim the lives not only of those who are addicted to the drug, but those who make it.

Unlike weed, there is nothing funny or entertaining about crystal meth.

Meth lab explosions are a tragic but all-too-common experience. Here’s a chilling look at some of the worst ones:

1. Locke, NY, 2014

Nine people in Upstate New York was charged in connection with the death of a man who died from injuries he sustained during a meth lab explosion. Four of the individuals arrested by the Cayuga County District Shawn Perrault, 47-year-old Shawn Perrault.

Authorities say that Perrault was actively cooking the methamphetamine in a mobile home when an explosion set the home, as well as a nearby barn, on fire. Perrault sustained major injuries, from which he died nine days later.

Perhaps most tragic of all? Three children were in the mobile home at the time of the incident.

2. Evansville, IN, 2011

In one of the worst meth labs explosions in recent history, three people were injured and two killed when a private home blew up. Two neighboring houses were also damaged and had to undergo hazmat cleanup, while the house in question had to be leveled,

In addition to the two fatalities and three adults who were injured, a child was also taken to a nearby hospital for treatment.

A neighbor who witnessed the explosion stated, “You feel it over your whole body – through your bones.”

3. Milton, FL, 2004

Heather Raybon is among the most notorious victims of meth lab explosions. She suffered severe, disfiguring facial burns during the initial incident, and has since undergone a number of plastic surgeries. Nevertheless, her face remains a shocking testament to the dangers of cooking methamphetamine.

Raybon was arrested several times after the explosion, once in 2009 when police raided a trailer on a warrant for her alleged boyfriend, William Hindall.

Hindall, 30, and Raybon were both charged with trafficking methamphetamine, possession of felony drug equipment and possession of chemicals necessary to manufacture the substance.

4. Lakeland, FL, 2012

In one of the most alarming meth lab explosions, a driver was killed while attempting to make meth from his moving vehicle. The body of 36-year-old Clifford Ellison was found inside his overturned car, along with evidence of a mobile, “shake-and-bake” meth kit.

This method of creating the drug involves mixing chemicals in a bottle, then shaking it. In Ellison’s case, the result was an explosion that drove shards of glass into his neck, killing him and causing the car accident.

5. Allegan, MI, 2011

Dennis Letts had been burned once before while attempting to manufacture meth, but a second incident frightened him into sobriety.

The explosion set Letts, then 28, on fire after throwing him 17 feet. He then burned for an estimated 90 seconds before a friend doused the flames with a fire extinguisher.

The skin on his chest, arms, and face, he said, was melting “like hot wax.”

Meth Lab Explosions Can Be Stopped
There are many dangers associated with crystal meth, both its manufacture and its use. To learn more about actions, visit the Community of Anti-Drug Coalitions of America website.

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Test Scripting Vs Exploratory Testing: Who Wins?

Are you looking for the best way to test your latest software and are not sure whether trial scripts or exploratory testing fit the bill?

Lately, the latter is the beginning of agile development. However, the test script has proven its effectiveness over time.

As a software engineer or test manager, it’s up to you to compare the two and decide.

We have gone ahead and done the work for you. Read on for a quick comparison of these two popular methods to help you decide which one is best for you.

Test Scripting and Exploratory Testing – Basics
The test script is a series of complex instructions that the testers must follow to see if the desired result is achieved.

Provided intensive preparation is carried out, this method should cover all bases when it should uncover software errors. It is so detailed that you can even get a machine to do it for you.

What is an exploratory test used for that? This procedure depends on the experience and intuition of the examiners to eradicate the error for themselves. They are not supplemented with the expected results previously.

In this way, from script testing has the benefit of creating scenarios that may have been ignored by the script writer.

Comparative studies have proved that explorative testing shows more errors faster than scripting.

Blow by Blow Comparison
The following are revealed when considering the most important test factors:

Domain Knowledge

This is important for effective explorative testing. This is not a factor when rigid script testing procedures are used.

Test dependencies are better managed by scripting test. Unsold tests depend on the expertise of the tester to manage them.

High level documentation and important waiting times are required for written tests. Exploratory testing does not require, as long as the domain knowledge is adequate.

When it comes to efficiency, it is time consuming and difficult to make detailed scripts. There is no comparison to the quick nature of the test without a script.

Exploration test

It does not provide clear and measurable coverage. It relies on testers to document their findings. The script test involves the recording of detailed and formal records.

The script test formally verifies the result against the specified specification. The untested test is based on testers’ expectations and domain knowledge.

High-risk areas can be discussed in detail with the test script. There is a possibility this may be overlooked by exploratory tester.

Testing can be reproduced accurately with scripting test. Only defects can be reproduced with a less formal approach.

The winner is?
As the deadline looms and you need to test the key aspects of your software quickly, exploratory testing is the answer. This is a cost effective method if your project is quite easy, just like a simple information site.

It is often a good idea to perform complex tests initially and then follow up on testing without notes. Exploratory testing closely mimics the interaction of the end user with the software. It also allows the intricacies of human interaction.

Who wins? You do You have the option to choose from two proven tactics for each stage of your software development.

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Inside the waist bin

Inside the waist bin

The law of guns and rifle regulations is a hot button topic for anyone right now, but the point remains as long as you can carry your gun, you have to sheathe it effectively. There are many different holsters and bands that people use but many may not know the difference between them all. It’s inside a waistband like IWB leather and kydex IWB. Each has pros and cons and should be researched accordingly before making a final purchase. A holster is an extension of your body and is an important part of possession of a weapon as it affects a draw and needs quick and quick action. Below, this article will discuss the differences in it such as the convenience and effectiveness to carry, while ensuring the ability to pull your weapon is not affected if high stress situations must arise. When it comes to kydex IWB holster, this is your standard and lightweight sarong. In essence, if you happen to have a lightweight and portable weapon, kydex IWB pillowcases may be for you. It’s durable, lightweight, and comfortable for any standard pistol you might carry. You do not feel it far at your waist and it shows less than the skin through the clothes, as there is no real trace. Now, when it comes to skin IWB holster this must have been a thick holster in that group. They are bigger and will make the look more vivid than those done by kydex, but the color is more durable. While  Inside the waist bin  the kydex lightweight, not. Some even see leather tied up after longer use. Leather is a more traditional style of holstering gun, but kydex certainly makes a strong attitude in the world of gun ownership. As you can see, there is a big difference between the two types in the waistband. Many people will say that it depends on the preferences, but just try them yourself which will ease your mind. The appearance of a gun on the skin may be more appealing to some people, but the kydex function might replace that argument. The only thing to do is go to the gun shop, try one, and see what’s best for you. No matter what you choose, you must be sure you can count on it if the situation ever arises on its own. Once you have selected your preferred holster, please let me know what you decided on Bluegrass Hobbies so I can share it with my friends. I am always happy to hear from others and see what works for them and why I can convey the information. Inside the waist bin

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5 Tips on Choosing the Best Crowdfunding Platform

Crowdfunding is growing faster than venture capital with an estimated spending of $ 34 billion by 2015.

How do you choose among the 2,000 crowdfunding platforms available around the world? We share 5 tips to choose the best crowdfunding platform.

Crowdfunding is a way of raising money for a project through a large number of people. This changes the traditional funding model by letting you connect with new supporters online.

Certain choices may be better for you. It depends on whether you help the cause you support, the entrepreneur who funded the business or started the business, or the musician raises money for the recording costs.

You should involve your private network no matter what method you use. But investors on certain sites are looking for some kind of project.

Usually, the site focuses on charitable giving, creative projects, or business ventures. Access to the new investor can definitely increase the value of your campaign.

Here are 5 things to look for when choosing crowdfunding platform:

Easy to use
If you are an individual raising money for your half marathon to support charitable activities, you should contact your private network. That means, friends, family, and others who support grassroots or certain causes.

You are looking for a platform that is easy to set up, easy for others to contribute money, and it can track many projects.

Crowdrise categorizes charity projects with civil rights and social action, education, poverty, religion, and spirituality, and so on. This helps donors who are interested in your goals for finding projects and contributing.

Cost Structure
The Crowdfunding platform may charge you an administrative fee to connect you and your donor or investor.

The crowdfunding platform you choose should have the appropriate cost structure for you and your project.

When people give money, either to friends or cause, they usually like to be stored in circles. In addition to costs, you may need to share quarterly or monthly updates with investors.

Check the details of the agreement carefully.

Pool investors
If you fund a start-up or business venture, you’ll want to choose a suitable crowdfunding platform for your industry. Sites will not only connect you with great investors, but you may be able to build partnerships with strategic investors.

Whether you are raising money for business or charity, see what companies and non-profit organizations connect to this site. You definitely want to find a platform that has connections to companies and established charities.

For start-up technology, access to feedback from registered investors may be important.

Choose crowdfunding platform with security protection for financial transactions.

But if this is a business venture, you definitely want a more legal and financial option. You may need escrow services, investor persistence, and feedback.

The best crowdfunding platform will address the specific needs of your project or campaign. Have you ever used a crowdfunding platform to raise money for a business or a cause? Please share tips in the comments?

Have you used crowdfunding to raise money for a business or a cause? Please share tips in the comments?

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Good Auto Insurance Policy

Good Auto Insurance Policy

Although car insurance is a must-have for cars, it does not cost a lot of money. If applicable, you can calculate your car insurance rate with your insurance provider to the minimum possible threshold while ensuring that you are in good coverage. A good car insurance policy will not only protect you as a vehicle owner in the event of an accident but also take into account any damage that may occur to a third party. If you are considering the following budget car insurance plans are a few tips to help keep your insurance interest rates low; Good Auto Insurance Policy
· Insure your home and car with the same company – Insuring your car with the same company that insures your home makes you unreadable with discounts called multi-line discounts. Thus, you pay less than you should if you insure your car and home with a separate company. Even then, you should be sure about the possibility of a discount before making a commitment to get your car insurance from a company that insures your home because not all companies offer multi-line discounts.

Good Auto Insurance Policy

· Meet all your cars in one policy – If you have more than one car, you can make sure everything is in one policy to qualify for multi-vehicle discounts. This lets you enjoy savings on both mobile phones. Just like multi-line discounts, you need to check if a discount is offered before signing up.

· Maintain clean driving records – Your driving record is a factor when calculating your car insurance rate. As a result, your insurance rate is affected by a traffic ticket that covers up to three years and six years for accidents. Having a bad driving record means you pay an extra premium so make your car insurance expensive.

· Go for low-risk cars – Your car insurance premium is determined based on your car history. If your car is very likely to be stolen or involved in an accident then you will pay more for insurance premiums.

· Choosing a Pay-As-You-Drive Policy – It is highly recommended if you do not drive for long distances. Therefore, consider applying for a policy based on your annual or monthly mileage. The pay-as-you-drive policy allows your premium to fluctuate depending on the frequency behind the wheel because your mileage records are stored through monthly and yearly reports shared with policy providers.

· Take precautions against the possibility of theft – Installing an anti-theft device in your car may also contribute to lowering your car insurance premium as it reduces the risk of theft.

· Let insurance companies bid for you – When you shop for your car insurance and deliberately let the insurance company know that you are not done yet, you can get a better deal. That is, you can choose to tell the business what other offers offer so as to give them the opportunity to decline the offer for your benefit.

In conclusion, there are many factors that determine how much you will pay the premium. Thus, perhaps lowering your car insurance premiums still enjoy great service. Good Auto Insurance Policy

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Avoid the Tree Removal Fail and Call the Experts


As you looked up at the tree in your yard, you noticed something.

The branch that looked ok before, does not look so hot now. Maybe it’s closer to your roof than it was.

Or it’s hanging on by a leaf and could fall onto your driveway. And hit your car.

Either way, that branch has got to go. But if you do it yourself, you will likely do more harm than good.

Here’s why you should hire a professional arborist.

A pound of cure
We’ve all heard the saying, “an ounce of prevention is worth a pound of cure”.

In the case of the trees in your yard, it’s more than just a pound.

The average oak tree can weigh Thousands of pounds.

OK, so maybe only a branch will fall down.But it’s twenty feet above your head.

That’s plenty heavy enough to possibly do some serious damage.

It’s also impossible to predict what will happen during the storm. Those branches may hang on for another six months.

Or, it could be six minutes.

Do you want to take that chance? If not, make sure you’re taking care of your trees.

Seasonal maintenance
You want the trees in your yard looking beautiful year-round.

You like watching the trees come to life in the spring. Lush, green leaves provide shade on a hot summer’s day.

In the fall, the oranges and reds are a perfect look when there’s a nip in the water.

To keep your trees looking their best, you need to maintain them.

Some of the smaller parts, closer to the ground, you might be able to take care of yourself. But the Department of Agriculture suggests hiring a professional for anything over 2 “in diameter.

And, did you know that if you trim a tree incorrectly you can inadvertently damage it?

Once a tree is damaged, it’s more likely to have issues and possibly even die.

Proper pruning also encourages new growth and can help trees withstand the winter better.

A professional arborist will know what’s best for the size and type of trees you have.

Not just for decorative trees

Shade in the summer is good, but a fresh apple from your tree in the fall is delicious.

Proper, seasonal maintenance also applies to your fruit trees. If you prune them at the time, it will encourage fruit production for the following year.

Preventative maintenance
Along with knowing the best and safest way to trim your trees, a professional can assess their current health.

They can recognize signs of pest damage, or conditions like Dutch elm disease.

If those can not be corrected or controlled, they can perform a safe tree removal.

How often do my trees need trimming?
Typically, once a year will be sufficient.

The Arbor Day Foundation suggests avoiding pruning your trees in the fall. Trees are slower to heal in the fall, and it may promote the spread of fungus.

And of course, you’ll want to contact a professional sooner if you see limbs that:

May overhang walkways
Are near power lines
Were damaged by a storm or the wind
Safety first
Trimming a tree branch is not like cutting one of your shrubs or hedges.

There are factors to take into account like:

Where will the limb fall once it’s cut?
How will it affect the rest of the tree?
Is it caught up in other branches that will also fall?
A professional knows how to assess the situation properly for safe removal.

Do not let it be a shocking experience, either
Trees can also be growing near your electrical and phone lines. Or, maybe there’s a storm and the branches break and hit the lines.

Either way, you want to avoid having that happen.

Keeping your trees can prevent a middle-of-the-night problem. And if it does happen, your utility company’s emergency line is your first call.

Downed electrical lines are a serious hazard – the ground can be energized up to 35 ‘away.

Make sure you know what to do in case this dangerous situation occurs.

Emergency removal
Sometimes, despite your best efforts, Mother Nature has a different idea.

The wind was howling and a branch was torn loose. And it landed on your roof.

Not only do you need that branch off the roof before it falls, but it needs to be done correctly.

If you decide to climb up on a ladder and yank it off the roof, now you have two risks:

Falling off the ladder
Further damaging your roof
A professional arborist can help minimize the damage by removing the limb safely and quickly.

Hiring a pro can actually save you money
You might be a pretty handy DIY kind of person.

And your budget is tight, so you try to do things yourself. But tree trimming is not a time to cut corners, so to speak.

It requires specialty tools and experience the average homeowner does not have.

Things like:

Rope and pulleys
Truck capable of hauling away the wood if needed
The know-how to use all these safely and effectively
DIY is great for painting and other stuff but you should hire a professional for your trees.


Another way a certified arborist can save you money: insurance.

What if

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