Fire Damage- Smoke- Mold- Disaster Repair- Edmond Insurance

The Health Risks Of Ignoring Fire, Smoke And Mold Damage

Being Speedy With Fire, Smoke And Mold Restoration

There are little issues homeowners have to deal with such as replacing appliances, but then there are enormous responsibilities like restoring damage to a home after a tragic fire or after the growth of mold.

It should go without saying that ignoring the damage caused by fire, smoke and mold can be very dangerous, but just to make it crystal clear we’re going to list a few reasons why you shouldn’t wait too long to begin restoring your home.

Fire and smoke damage: 

Any areas where a fire was put out using water will need to be cleaned as soon as possible to avoid mold growth which can begin in as little as 48 hours.

After a fire, it should be obvious that the overall structure of a home is in danger, but the smoke damage itself is also something to consider. Other than discoloration of household objects, smoke can get into your ducts and vents.

In case you were curious, here is a list of health risks that can be caused from breathing in smoke:

  • Breathing difficulties
  • Scarring in the lungs
  • Scratchy throat
  • Irritated sinuses
  • Headaches
  • Stinging Eyes
  • Runny Nose
  • Opportunistic infections in individuals with compromised immune systems

Next up, our Edmond Insurance Professionals team will share about mold damage.

Mold damage:

Removing affected material and eliminating moisture sources is the only way to recreate a healthy environment.

If putting out a fire wasn’t the cause of mold, it’s due to another source of moisture. It’s important to know that mold grows quickly in dark, damp places such as basements, attics, and crawl spaces.

Mold is dangerous as it can cause potential structural damage and serious health risks including the following list:

  • Headaches
  • Breathing difficulties
  • Persistent cough or cold symptoms
  • Burning or irritation of the eyes, nose, throat or lungs
  • Asthma attacks
  • Hypersensitivity pneumonitis
  • Skin irritation
  • Allergic reactions
  • Opportunistic infections in individuals with compromised immune systems

As you can imagine, most extreme situations such as these require quite a lot of attention. It’s crucial to be speedy with fire, smoke, and mold restoration efforts. Most families will need help and often times this kind of work is best left to professionals, anyway. If you ever need a professional company our Edmond Insurance Professionals have vetted these companies:

1.) Company Name: Phoenix Restoration
Contact Name: Jamie Moore
Phone #: 405-760-5251

2.) Company Name: UltraClean of OKC
Contact Name: Eric Banks
Phone #: 405-330-0569

Invest- Financial Planning- Edmond Insurance

Financial And Investment Planning: The 6 Best Ways To Invest

Learning The Best Ways To Invest

A lot of people never reach the financial independence they desire, but why? Most people are never able to take the first step to invest, which is getting started. Procrastination seems to get the better of most and for others it is the the idea that investing is too risky, too complicated, or too time consuming, and only for the rich.

The reality is that there’s nothing complicated about common investing practices. Understanding the basics usually doesn’t take much time. Not educating yourself on investments that may help you achieve financial independence is the biggest risk you take. Our Edmond Insurance Professionals team aims to provide answers to one of the biggest questions following the best ways to invest, today.

So what are the best ways to invest?

1. Get in the habit of saving.
Set aside a portion of your income regularly in order to have the capital to make basic investments.

2. Invest in financial markets.
This way your money can grow at a meaningful rate and give the most out of your investments.

3. Don’t put all your eggs in one basket.
Though it doesn’t guarantee a profit or ensure against the possibility of loss, having multiple types of investments may help reduce the impact of a loss on any single investment.

4. Focus on long-term potential.
Rather than focusing on short-term price fluctuations. Look for more long term, more stable investments.

5. Ask questions.
Become educated before making any investments. Have someone you can lean on for advice and direction.

6. Invest with your head.
This point can’t be overstressed. It is imperative that you not make investments based on a gut feeling. Avoid the urge to invest based on how your heart or stomach feel about an investment. Take measured risks and again have someone you bounce investment ideas off of.

Finally; Get organized before you start. 
Organize your finances to help manage your money more efficiently. Remember, investing is just one component of your overall financial plan. Get a clear picture of where you are today.

If you’re among the many of us that need more than just a few pointers to start the investment process, there are plenty of professionals out there to help you get started in the right direction. If you need professional financial services, our Edmond Insurance Professionals have vetted the following resources to give you a place to start!

1.) Company Name: Waddell & Reed
Contact Name: Patricia Shaw
Phone #: 405-990-8388

2.) Company Name: Shaw Financial Services
Contact Name: Chris Beard
Phone #: 405-340-1600

Building Frame- General Contractor- Edmond Insurance

How Do You Determine When To Hire A General Contractor?

Knowing Whether To Hire A General Contractor Or DIY

If you have decided that you would like to build a brand new home or start a remodeling project you may find yourself asking the same question many homeowners often do; “Is it worth it to hire a general contractor or better to take on the project alone?”

Our Edmond Insurance Professionals team is here to provide you with both sides of the argument, for and against hiring a general contractor, because sometimes it helps to know what others have had to say about a problem when seeking a solution!

Here is the best argument against hiring a general contractor: Some may argue that the best way to go about building your home is to take on the role of general contractor so that you don’t have any extra percentages to pay out.

Here is the best argument for hiring a general contractor: The argument in favor of hiring a general contractor is that they have experience and you’d have someone to complain to if the project didn’t turn out properly.

Ultimately, when should you hire a general contractor? For remodeling or building a home the best time to hire a general contractor is when you start to run into issues beyond your capacity. For example, if you find it’s going to take several weeks to complete a project, need several permits or need several professionals to be a part of the project it might be best to hire a general contractor.

The nice part about a general contractor is that they do all the leg work of finding the manual labor for you and you get to rest easy. When building a home from the ground up, the general contractor is responsible for the overall coordination of the project from start to finish. This includes everything from design approval to providing all of the material, labor, equipment and services necessary for the construction of the project.

If you do decide to hire a general contractor here are a few questions you can use to vet them:

  • Do you have a license?
  • How much experience do you have with this type of project?
  • What is the cost for this type of job?
  • Who will supervise the construction on site?
  • Who will I need to correspond with once the construction begins?
  • (For remodeling): What efforts do you take to keep the job site clean and safe for children, and to keep dust out of the living quarters?

If you think you need a general contractor, but have no idea where to begin searching we recommend checking in the following contractor that we’ve taken the liberty of vetting for you!

Company Name: Hoyer, LLC General Contractors
Contact Name: Ken Hoyer Jr.
Phone Number: 405-919-9620

Auto Body- Edmond Insurance

The 3 Keys To Finding The Right Auto Body Shop

Tips For Picking Out An Auto Body Shop

If you’ve ever had a car accident you probably already know all about the importance of obtaining a police report and filing your insurance claim, but do you know how to choose the best auto body shop for repairing the vehicle damage? Our Edmond Insurance Professionals team is here to offer a bit of advice regarding this situation.

When it comes to shopping around for auto body work you will quickly come to realize that prices can vary, drastically, from one shop to the next. In fact, the prices can jump $500 or more for the exact same work to be done.

With that being said, it’s understandable that people would want to be cautious about which shop to choose, because you want quality work at a fair price. Some people hesitate so long that they do nothing about the damage at all. If you don’t want to be one of those people, follow these 3 keys to finding the right auto body shop.

1.) Ask some important questions.
First, you need to make sure anyone you choose is legitimate, so make sure the auto body shop in question has an actual business license. Second, ask if they have a warranty covering their work. If not, move on! Who knows what could happen a mile down the road after shoddy work with no guarantee. More on that note, don’t always choose the shop that offers the longest warranty without really reading the requirements. Some “lifetime” warranties will have you jumping through so many hoops that you won’t ever be able to benefit from having it. Third, find out if the shop carries fire and theft insurance. This way you can ensure your vehicle is covered if destroyed while at the shop.

2.) Take others’ feedback into consideration.
If someone you know takes the time to give a positive review to a place they’ve been to that’s usually a good sign. Why? Because, honestly, most people only verbally talk about a business when things were less than favorable. Any big business can throw money into a marketing campaign, but it’s the word of mouth business that makes them truly shine.

3.) Pay attention to company charges.
A lot of auto body companies will be looking to make a big payout, therefore; charge more for labor and parts to cover more than the average cost. Be willing to shop around and weigh your options! Some places may offer you crazy good deals for repairs, but then they’ll turn around do a terrible job. Others may charge slightly more, but then offer you unbeatable customer service. You’ll have to decide what that is worth to you.

What all of these tips have in common is the recommendation to shop around. If you need help knowing where to start shopping we’ve vetted the following company for you:

1.) Company Name: Service King
Contact Name: Autumn Everett
Phone Number: 918-902-2877

Roof Repairs- Edmond Insurance Blog

Why You Shouldn’t Skip Roof Repairs

The Dangers Of Skipping Roof Repairs

This past winter was pretty mild in Oklahoma compared to previous years so luckily we haven’t had too much ice, snow, or hail to worry about; however, the wind and rain have recently been outrageously crazy. If it’s been a few years since you’ve had a roof replacement or repairs done that strong wind might have revealed some trouble spots. A lot of homeowners make the mistake of believing that if nothing bad happened to their roof during the mild winter times that they are in the clear when summer arrives.

Don’t be fooled!

There’s a high price for skipping roof repairs. The truth is that roof damage can, sometimes, be unnoticeable to the average homeowner and ignoring small problems could actually hinder the roof even more in the long run.

A lot of times you might notice “smudge-like” marks in the shingles and think nothing is wrong when, in fact, the loosened ceramic granule particles were there to protect your roof from the sun’s harsh UV rays. If that source of protection is gone then that leaves the tar underneath exposed to the hot air and the sunlight. Eventually, the tar will be melted and leave the wood wide open for water entry. Fast forward a year or so and this means big trouble.

If you think it’s a hassle to call your insurance provider with a claim for roof damage after a storm, imagine what it would be like to tell them that a portion of your roof caved in. According to data gathered from ImproveNet, the average cost of roof damage is around $5,757.

If flooding were to take place the cost to refurbish the home would depend on the extent of the damage. Some people can testify paying for damages up to $70,000.

We don’t think it’s in anyone’s best interest to pay that much due to neglecting their roof repairs. It’s probably best to bite the bullet and call a roofer at the first sign of damage rather than wait until it’s much too late.

For safety reasons, we don’t recommend anyone climbing onto their own roof. The good news is that some roofers will offer you a free roof inspection before you decide to spend any money.

If you need a roofer, consider this trusted source that we’ve vetted for you:

1.) Company Name: Land Enterprises
Contact Name: Heath Clark
Phone Number: 405-359-3951

Edmond Insurance- Independent Agency

A Glimpse At Edmond Insurance With An Independent Agency

Serving Edmond Insurance Customers Better With Multiple Options

If you’re looking for Edmond insurance for home, auto, life, commercial, or anything in between the “big name” companies may seem like the best option for you, but working with captive agents does have drawbacks. Today, we’re here to explain a little bit more about the benefits you can receive from obtaining Edmond insurance by working with an independent insurance agency, like ours.

Being an independent agency allows us an opportunity that captive agents (like those working for Farmers, State Farm, AAA, etc) don’t have. You see, captive agents are limited only by what their one insurance carrier tells them that they can offer to their customers. In other words, the captive agents are locked in to their agency’s pricing. They may try to work the system to get you a lower price, but most of the time what they quote you is the only option you’ll receive.

At Edmond Insurance Professionals, on the other hand, we are able to choose from multiple carriers to find a plan that gives you both what you need and fits your budget! Edmond Insurance Professionals is all about fitting the product to the customer and not the other way around. Another thing about independent agents is that we’re not fighting to meet any crazy corporate quotas like those big business insurance agents. That means that we aren’t trying to incentivize you to choose a particular plan of any kind just to fulfill someone else’s agenda.

If you’re looking for a local Edmond insurance company that is dedicated to giving personalized service with multiple insurance plan options, then we hope you’ll consider stopping by and chatting with us at Edmond Insurance Professionals!

You can call us at (405) 697-5222 or just stop by. Click here for the home page (scroll to the bottom) to view our hours of operations and location.

PS: As an added bonus, we’re currently working on meeting and vetting honest business professionals in the community that we would be able to refer our customers to in case a need arises. You never know when you’ll need someone to help fix up your house, to buy a new car, or get your credit repaired, right? If you’re interested in learning some helpful tips at the same time, stay tuned for those updates over the next few months!

STEM-Mad-Science-Edmond-Insurance

Edmond Insurance Professionals Gives Back To Local School

STEM & Teacher Appreciation Assembly At Sunset Elementary

A lot of business owners only think about ways in which to give back to the community, but Brent Brown made his desire to do so a reality. He sought to give back to a local school in Edmond, OK and by coordinating with Mad Science he was able to do just that. He decided to give some very lucky students a fun-filled and educational assembly while also honoring a teacher for all of her hard work.

The idea behind this STEM (Science, Technology, Engineering, and Math) related assembly was for students to imagine themselves making their own goals and dreams come true one day. Furthermore, Mad Science’s goal is to spark an interest in children so that they may decide to pursue STEM related careers in their future.

The excitement began on March 10th, 2017 at Sunset Elementary school when the Mad Science representative deemed “Professor Mad” conducted the opening STEM assembly introductions. The assembly continue with one thrilling experiment after another in which Professor Mad called children from every grade level to participate.

The twist came at the end of the show when, Kerri Gray (a 3rd grade teacher), was called upon the stage to help with the final experiment.

Kerri had no idea that the administrative staff at the school had worked with Brent Brown and chosen her to participate in the final experiment. Kerri’s final surprise came at the end of that experiment when Brent, on behalf of Edmond Insurance Professionals, presented her with a $50 Amazon gift card and a Certificate Of Appreciation for her contribution to Sunset Elementary.

Finally, to give everyone an opportunity to practice their very own science experiments, as a parting gift, Brent gave the school a big book of science experiments to keep in the school’s library.

Welcome- Website- Edmond Insurance

Welcome To Our New Website!

We’re Happy You’ve Found Our New Website!

Welcome! Thanks for stopping by and seeing our new website. Our Edmond insurance team is so excited to share important updates and helpful tips with you which we’re currently working on gathering. Please come back to check out our website and blog in the near future, and maybe even tell your friends!