Month: October 2019

4 Common Remodeling Mistakes to Avoid

You’ve spent three months looking over paint swatches and now you’re finally ready to make a decision. But as soon as you finish the first coat of Blue Marlin, you’re wishing you had gone with Iceberg instead.

Paint is pretty easy to change. But other home updates can cost you more than just a lost weekend. Take a look at these common remodeling mistakes before you start your next project:

1. You Underestimate the Timeframe

It was supposed to take one afternoon to install the new plank-style wood flooring in your bedroom. Now you’re sleeping in the living room and your project is far from complete.

The Takeaway: Be realistic from the beginning and allow yourself plenty of time to deal with unforeseen challenges.

2. You Cut Corners on Materials

You’re heartbroken to learn that the 99-cent backsplash you found is hard to install and not very durable. It didn’t take long to crack one of the tiles.

The Takeaway: Keep quality in mind, read consumer reviews and don’t let thriftiness cloud your vision.

3. You Should Have Hired a Professional

Building a new set of front entrance stairs seems manageable according to the YouTube videos you’ve watched. But before you know it, you’re in way over your head.

The Takeaway: When a project involves heavy lifting or specific skills, it’s best to turn to a pro for help.

4. You End Up Going Way Over Budget

You just wanted to pull out some old carpet in the basement and add a simple wall. Now, you’re waterproofing and managing mold (and you surpassed your budget several days ago).

The Takeaway: A thorough inspection from a trusted contractor can reveal the true scope of the work that needs to be done.

Have questions about your homeowners coverage or how it might change if you remodel? Reach out to one of our team members today at www.vickinsurancegroup.com, or find us on Facebook, Twitter, and LinkedIn.


Would you be covered in these 5 scenarios?

Accidents happen on the road. A deer could dart across your path, a tree branch could come crashing down or you could make a simple mistake as you hurry to get to work.

Does your policy kick in after these kinds of events?

Let’s look at five things that could easily happen to any driver and see if they’d be covered.

Your Friend Wrecks Your Car

Your friend’s car is in the shop, so you lend them yours for the day. What happens if they end up involved in a fender bender?

Your insurance typically follows your vehicle. If you have collision insurance, the damage may be covered. If your friend caused the accident, your liability insurance could help cover the losses others suffer, too.

A Tree Falls on Your Truck

A storm rages through the night and you wake up to find a big tree lying across the hood of your truck. Not to worry — comprehensive auto insurance most likely covers damage from storms.

A Pothole Takes Out Your Muffler

What looks like a shallow puddle ends up being a massive pothole, resulting in a jolt, a thud and some serious damage. Though your deductible may be too high to cover minor issues, in a situation where significant repairs are needed, you may choose to file a claim.

Your Car Is Vandalized

Someone keyed your car and damaged your paint job pretty badly. Your comprehensive insurance should cover you, so you might want to file a claim if the damage exceeds the amount of your deductible.

Oops! You Backed Into Something

In a rush to get to work, you forget to open the garage door and backed right into it. (Hey, it happens.) With collision insurance, you can file a claim for the damage.

Need to adjust your coverage? Have questions about your deductible? Reach out to someone on our team today to discuss your policy. You can also find us on our social media sites Facebook, Twitter, and LinkedIn.