Most will have to make an insurance claim at some point. Whether it’s a claim for property damage or for injuries suffered in a car accident, filing a claim with an insurance company is the first step.  Unfortunately, some insurance companies wrongfully deny or delay claims. Read more

YES and you also should do some research.  Who understands Collision, Liability, Uninsured, or Underinsured coverages? Why is each important?  How much is enough?  “State minimum” policies are unlikely to cover all the damages caused by a significant collision.  Higher limits protect you if … Read more

Historically, the average lifespan of an old, 3-tab asphalt shingled roof was 15-25 years. If the age of your roof is unknown, some signs that you may need a new roof include: large amounts of granules in the gutters and missing shingles. Shingles that are curled, cracked or buckling are ano… Read more

Make sure they are licensed for the type of work you need. West Virginia offers various licensing specialties so one contractor may be licensed to do siding but not roofing, for instance. You can check a contractor’s license on the WV Division of Labor website: http://labor.wv.gov Read more

Make sure they are licensed for the type of work you need.  West Virginia offers various licensing specialties so one contractor may be licensed to do siding but not roofing, for instance.  You can check a contractor’s license on the WV Division of Labor website: http://labor.wv.gov Read more

This is a good question considering interest income from CDs and bonds are rising, but still historically low. That said, how do you invest your retirement savings from IRAs, 401k plans, 403b, TSP, etc., and generate enough income to last a lifetime? There are ways you may invest that offer … Read more

As a general rule, the more time you have to invest, the greater risk you may be willing to tolerate. For example, someone who is just beginning their career may have longer to invest and can use the power of compounding interest to accumulate significant potential wealth through regular, au… Read more

During the heating season, don’t set the thermostat below 65 degrees.In the cooling season, don’t set the thermostat below 70 degrees.Check the heat pump for snow or ice build up during the winter.Heat pumps should be elevated 4 to 8 inches above the ground to allow for proper drainage.Clean… Read more

Zoning Systems separate your home’s duct work into different comfort areas, allowing for independent temperature control in distinct areas that require specific temperature conditioning. For example, a cathedral-style room with large bay windows may retain too much heat in the summer and fee… Read more

 During the heating season, don’t set the thermostat below 65 degrees.In the cooling season, don’t set the thermostat below 70 degrees.Check the heat pump for snow or ice build up during the winter.Heat pumps should be elevated 4 to 8 inches above the ground to allow for proper drainage.Clea… Read more

Under the terms of a loan or lease on an automobile, at the time of a total loss, there is often a difference between the amount your insurer will pay as actual cash value (under comprehensive or collision coverage) and the amount which you owe to the entity that financed or leased the  vehi… Read more

If you have a homeowners or renters policy in addition to an automobile policy, an have sufficient assets you would like to protect, you may consider purchasing a personal umbrella policy. An umbrella policy protects you by providing additional liability coverage against judgements in lawsui… Read more

If you do not insure your home for at least 80% of its replacement value, your claim will generally not be settled on a replacement cost basis. Therefore, it is important to review your homeowner’s policy periodically to determine whether you are carrying enough insurance to be fully covered. Read more

Diabetes and its complications can affect many parts of the eye. Diabetes can cause changes in nearsightedness, farsightedness, and premature presbyopia. It can result in cataracts, glaucoma, a lack of eye muscle coordination (strabismus), and in decreased corneal sensitivity. Visual symptom… Read more

Diabetes and its complications can affect many parts of the eye. Diabetes can cause changes in nearsightedness, farsightedness, and premature presbyopia. It can result in cataracts, glaucoma, a lack of eye muscle coordination (strabismus), and in decreased corneal sensitivity. Visual symptom… Read more

A lot of legal documents are required at closing, but a marriage certificate isn’t one of them. The person sitting next to you at closing could be your best friend, your cousin, or even someone you might marry down the road. Read more

Land use is a characterization of land based on what can built on it and what the land can be used for. Example, the total of arrangements, activities & inputs that people undertake in a certain land cover type. Land use and zoning are not the same. Read more

It begins before you make the decision to buy.  Keep your finances in check - always.  And save, save, save!  You will need $ for a down payment and your closing costs! Read more

Your REALTOR® can guide you, answer questions, hold your hand - but ultimately, it’s your decision. Keep in mind, it isn’t always about price.   Read more

Metal is made from metal ores, which have to be mined and processed to transform them into useable materials. It is rare for metals to be used in pure form. Normally they are mixed with other metals to improve their properties: the mixture is called an alloy. Read more

“Electronic waste” or E-Waste may be defined as discarded computers, office electronic equipment, entertainment device electronic, and mobile phones. This includes used electronics which are destined for reuse, resale, salvage, recycling, or disposal. Read more

Ending a significant romantic relationship is one of the most stressful life events, full of emotional challenges. Rebuilding afterward can be a difficult, complex, and lonely process that often involves conflicting feelings and a great deal of change and adjustment. The truth is that break-… Read more

When it comes to mental health or addiction, there is no one-size-fits-all treatment approach.  Some people respond very well to talk therapy alone, while others may need medication to assist with the process.  When combined with therapy, medication can be an important part of the treatment … Read more

House training a new puppy can seem daunting at first, but don’t worry! It’s really pretty simple. The most important thing is to take her outside very frequently for bathroom breaks. Most young puppies need to go out every 20-30 minutes, unless they’re sleeping. Take her out on a leash ever… Read more

This is a great question!  Yearly lab work is a good idea for pets of all ages, but it’s especially important for “senior” pets – generally meaning 7+ years of age, in both dogs and cats.  This is because as our pets get older, their risk of developing common age-related health conditions li… Read more

I can definitely understand your frustration!  It can be very aggravating when you can’t get your dog to do what you want.  However, this has nothing to do with dominance – so there’s no need to “show him who’s boss.”  In fact, dominance theory has been discredited for a long time now in the… Read more