5 questions to ask if you have a she-shed, greenhouse or other detached structure on your property
Detached structures. They are one of the areas that homeowners often overlook when it comes to updating their insurance policies. And it’s something that we’ve seen popping up more often as our clients have been spending a lot of time at home this spring. If you’re like our family, you’ve spent some of your quarantine […]
Continue reading →Your roof is quite possibly the most important part of your house. After all, most people refer to their home as “the roof above their head” rather than “the walls around them”. Yet the quality of a roof is strongly related to the quality of its maintenance: Good maintenance helps tremendously in preventing water damage […]
Continue reading →Flooding can happen anytime, anywhere
Why do we say all Washington homeowners need flood insurance? As flooding is becoming more widespread and affecting more communities, we’re recommending flood insurance for most of our clients, particularly those who live in the Pacific Northwest. Last winter the Everett Herald reported on the increased flood risks our region is seeing, particularly after unusually […]
Continue reading →Preventing frozen pipes is easier – and cheaper – than fixing the damage they cause
Winter weather conditions can cause a homeowner’s worst nightmare — frozen pipes! When water freezes, it expands by about 9%. This causes increased pressure in your home’s pipes, which can lead to pipes cracking or bursting. A 1/8-inch crack in a pipe can spew up to 250 gallons of water a day, causing significant damage. Does homeowners insurance cover frozen pipes? […]
Continue reading →Why home and auto insurance rates are rising in 2022
“Why did my rates go up?” It’s a question we often hear when clients see an increase at their policy renewal. There are many factors that can affect your insurance rates, including accidents, claims and changes within your household. And as your McClain Insurance team, we will work with you to find any applicable discounts […]
Continue reading →You might be surprised to learn that water damage is one of the most common – and costly – homeowners claims. In fact, it’s the homeowners claim we get called about the most in our office. Nationwide, water damage claims are second only to wind and hail damage. And while you might experience hail or […]
Continue reading →Western Washington windstorms can pack a powerful punch, causing power outages and damage to homes and cars. And they often lead to a question we hear frequently in our agency: Is windstorm damage covered on a standard homeowner’s policy? The quick answer is: Yes. Windstorm is a covered peril on a standard homeowner’s insurance policy. […]
Continue reading →Use our tips to reduce your risk of being caught by identity thieves
In the past month we’ve seen an increase in identity theft, as fraudsters take advantage of challenges posed by the COVID-19 pandemic. Use our tips to avoid becoming a victim of ID fraud. As the Everett Herald reported in May, much of the recent ID theft in the Pacific Northwest is tied to false unemployment […]
Continue reading →Melting snow can cause damage to foundations and personal property if ignored
This weekend’s “Nor’wester” snowstorm promises to bring more snow to our region. But slick roads aren’t the only thing we need to be concerned about. Snow can wreak havoc when it melts, too. Here are five ways to help prevent damage to your home as snow starts melting: Remove large accumulations of snow from areas […]
Continue reading →Much like our summer weather, Western Washington’s real estate market is hot — something agent Caitlin Klosterman knows all too well. One home she bid on had 11 other competing offers! Luckily for Caitlin and her husband, Akeem, the third time’s a charm. They close on their new home in Marysville later this month. If […]
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