As a homeowner, you are responsible for maintaining your home and the structures on your property. Part of this includes making needed repairs to your roof. At Phil Klein Insurance Group, serving the greater West Bloomfield, MI area, we try to remind homeowners that a home insurance claim can be denied if you fail to maintain the premises and the claim is a result of this negligence. If your roof is in need of repair, the end of summer and fall months are a great time to make these repairs. Here is why:

The Weather is Optimal for Repairs

The biggest benefit to having roof repairs done in late summer and early fall is that the weather is optimal for repairs. Making repairs in wet conditions or freezing temperatures is not ideal. Having the repairs done now helps to keep the roofer safe and ensures the repairs are not negatively affected by inclement weather. The heat will also be less apparent since it is not directly taking place in the mid-summer months.

Prepares Your Home for the Wet Season

The other benefit to having repairs done to your roof now is that it prepares your home for the wet season. If you fail to have repairs done before the wet and rainy season hits, your roof may leak. Minor cracks can quickly turn into major leaks when left unrepaired. Repairing the damage now helps to prevent it from worsening, allowing you to prepare your roof and home for the rain and snow that will hit during the winter months.

Maintenance is important to your home insurance policy. If you are in the market for a new home insurance policy in the greater West Bloomfield, MI area, call Phil Klein Insurance Group. We would love to answer your questions and help you find a policy that fits your needs.

As a new parent, you have many responsibilities to handle. In fact, you probably have too many responsibilities. One of the most important things that all new parents should think about is securing life insurance for their newly born child.

Understanding how life insurance works and why you should get it as soon as your baby is born is essential. Here’s what you need to know:

First, understand term life insurance. A fixed rate is provided for term life insurance. This plan is generally for 10, 20, or 30 years. When a policy expires, you need to renew it again. Younger families will benefit from these types of insurance plans.
There are also whole life insurance plans. These are permanent and cover you for as long as you live. Experts agree that younger families should avoid these types of coverage because they tend to be more expensive.
Getting life insurance for your child when they are young is an excellent idea because they are at their healthiest and the youngest they can be. They can start with a low rate from the get-go.
Keep in mind that as parents, you need to be insured just like your child. This will give them financial stability should anything happen to either of you.

Contact Phil Klein Insurance Group for More Information

If you are a new parent in West Bloomfield, MI and are interested in learning more about life insurance options for your child or children, contact Phil Klein Insurance Group at your earliest convenience. We are proud to serve the residents of West Bloomfield, MI, and one of our agents would be happy to speak with you about your available life insurance options.

We can discuss options for your children as well as for you and your spouse. Visit our nearest location or give us a call today. We look forward to hearing from you.