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Fenzl Insurance Agency

138 Main Street
Hamburg, NY 14075

Tag: home insurance

Why Does Your Home Insurance Need Liability Coverage?

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Home insurance provides a variety of protections that are essential for homeowners. One of the most important types of coverage included in home insurance is liability coverage. While it’s often overlooked, liability coverage can protect you from the significant financial burden of accidents that occur on your property. If you don’t have a home insurance policy, now is the time to secure one. Contact Fenzl Insurance Agency, servicing Hamburg, NY, to get started.

Accident Protection

As a homeowner, you are responsible for the safety of visitors on your property. If someone outside your household is injured while on your property, you could be held liable for their injuries. Accidents, such as slips and falls, can happen unexpectedly—even in homes without obvious hazards. Liability coverage in your home insurance policy protects you from the financial consequences of such accidents.

The Costs of Accidents

The expenses associated with accidents can be overwhelming. These costs may include medical bills, lost wages, and legal fees incurred by the injured party. Even a seemingly minor accident can result in significant financial strain. Liability coverage ensures that these expenses are covered, so you don’t have to pay out of pocket.

Get Home Insurance Today

If you don’t yet have home insurance, you’re leaving yourself vulnerable to risks like accidents and other incidents. Don’t wait to protect your home and finances. Contact Fenzl Insurance Agency, servicing Hamburg, NY, today to get started with a comprehensive home insurance policy.

Home Insurance Coverage For Winter Ice & Snow Damage

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Harsh winter weather can cause severe damage to homes due to the weight of snow and the intrusion of ice into construction materials. Standard home insurance policies generally cover this type of damage. At Fenzl Insurance Agency in Hamburg, NY, we provide insurance policies to protect our clients’ home investments.

Common Types of Snow & Ice Damage

Heavy snowfall can stress roofing materials significantly, leading to moisture intrusion and potential collapse. Rapid thawing and freezing of water can damage roofs or gutters and cause leaks into the home interiors. Snow buildup on tree branches near the structure can collapse and lead to damage to windows and walls. Rapid melting of snow can overflow the gutter system and cause flooding in the home. Water in pipes can freeze and cause them to burst, leading to moisture damage and mold growth inside the house.

Your Home Insurance Covers the Cost of Snow and Ice Damage Repair

Standard home insurance policies will generally cover these common types of damage caused by severe winter weather events. If you experience damage to your home from snow or ice, contact your insurance agent to learn how to file a claim that can help repair your home and get back in stable condition.

Choose Fenzl Insurance Agency for Your Home Insurance Coverage

Our experienced agents in Hamburg, NY, can answer any questions you have about your home insurance coverage for winter damage. We offer our clients a broad range of insurance products, including flood, condo, renters, auto, business, and life. Contact Fenzl Insurance Agency today for a no-obligation quote on your home insurance coverage to ensure you are prepared for winter’s severe weather.

How to Protect Your Roof From Ice Dams and Why Its Important

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Winter is steadily approaching, and at Fenzl Insurance Agency in Hamburg, NY, we desire to ensure your roof remains in excellent condition. Learn what triggers the formation of ice dams, and discover how you can help prevent them from occurring on your roof this season.

What Are Ice Dams?

Ice dams occur when the snow on your roof begins to melt due to heat emanating from within your home. As the water trickles down the roof, it encounters colder edges, causing it to refreeze. Over time, these ice dams build up, effectively barring additional meltwater from draining. This water can accumulate under shingles, eventually leaking into attics, walls, and ceilings.

Prevent Ice Dams With Proper Insulation

The secret to thwarting ice dams lies in controlling the flow of heat in the attic. Ensuring sufficient insulation and correct ventilation prevents the snow on the roof from melting initially. Ensure that your attic’s insulation meets or surpasses the recommended R-value for your region. Inspect exhaust fans, soffit vents, and ridge vents to ensure the attic air circulates properly.

Maintain Proper Roofing Materials

Employ architectural shingles infused with weathering granules that resist snow melting. Regularly clear debris from valleys, downspouts, and gutters to allow melting snow to flow freely off. Also, trim any overhanging tree branches that could potentially deposit snow onto your roof. Setting up roof heating cables along susceptible eave edges can aid in managing the formation of ice dams.

Catch Roof Issues Early

Inspect your roof for signs of ice following a snowstorm. Also, indoors, watch for signs of leaks—water stains on ceilings and peeling paint. Addressing these problems swiftly can help minimize costly structural damage in the future.

Be proactive against the threat of ice dams to ensure the safety of your roof. If you require assistance assessing risk or selecting the most suitable homeowners coverage for your home, feel free to contact our team at Fenzl Insurance Agency in Hamburg, NY.

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