When was the last time you checked the age of your roof? For many homeowners, the roof is a "set it and forget it" part of the house—until a hailstorm or heavy wind occurs. In the insurance industry, the age of your roof is one of the most significant factors determining how much you’ll pay out of pocket after a claim. Understanding the difference between Replacement Cost Value (RCV)  and Actual Cash Value (ACV)  can save you from a massive financial surprise. Replacement Cost: The Perk of a...

February often acts as a bridge between the deep chill of winter and the frantic pace of the spring planting season. While the fields may still be quiet, this month is a critical time for planning and reflection.

Preventing hypothermia is important because it can be a life-threatening condition. Hypothermia occurs when your body loses heat faster than it can produce it, causing your core body temperature to drop below the normal range (around 98.6°F or 37°C).  Preventing hypothermia involves taking measures to stay warm, dry, and protected in cold environments. Take proactive steps to avoid hypothermia. Dress in Layers Wear multiple layers of clothing to trap warm air close to your body. Use...