Protecting Your Home’s Roof from Storm Damage

Without a roof, your house would not be home. A roof provides shelter, security, and protection from all outside elements. When your roof becomes damaged from those outside elements, like a tree falling on it during a storm or large hail puncturing through it, it’s important to seek professional help right away to prevent any further damage. But who do you call when something like this happens in the middle of the night or on the weekend? Is it considered an emergency? What are the common causes of emergency roofing repairs? Below, we will help answer these questions to provide you with knowledge, so you will know what to do if something like this happens to your roof.

What is considered an emergency?

If a roof is allowing water to enter the home, caving in, or looking like a potential hazard, then it most definitely needs to be repaired ASAP. In most instances, a roofing company in Columbia can address the issue right away with a temporary solution until the weather permits and the roofing company can map out a plan and schedule with you at the time to determine the exact issue and its costs.

What are the common causes of emergency roofing repairs?

There is a variety of things that can cause roofing emergencies. It is your job, as the homeowner, to react quickly as soon as you notice your roof’s damage. Here are the more common causes of roofing repair emergencies:

Rain- Rain, in general, should not cause any issues to your roof, but if it rains for a long period, the more it can affect your roof. For example; your roof may have an area that forms a crevice in which it will gather the rain for the total duration of the storm causing that area of the roof to weaken. If it becomes weak, the easier it is for holes and leaks.

Hailstorms – When weather conditions get severe and form into hailstorms, the hail in Columbia can cause major storm damage in a matter of minutes. You might not notice the damage during the storm, but for precautions after each hail storm, it’s best to inspect your roof to make sure the hard hail did not puncture the roof.

High winds – High winds can affect your roof because of the effects it can have on trees close to the roof. The high winds can knock over a tree into your roof and home, causing a large puncture to its form.

Who do you call?

You call a professional roofing company that provides a 24-7 emergency hotline. Do not call in a panic. The damage to the roof is already damaged. Once you call the roofing company, they will send over help to prevent issues from worsening. It’s also best to contact your insurance company to analyze what’s covered and what is not. Together, yourself and the roofing company can go over your coverage to determine a plan of action best for your roofing needs.

Term Life Insurance To Protect Mortgage

Are you considering term life insurance to protect mortgage loan you have on your home?

Many Americans hope for the day they own their own home. If just may be the single biggest investment of your life. But, it also depends on a steady income to pay your mortgage each month. If something happens to one, or to both income-earners in your family, it may be difficult to pay your mortgage. How would your family get by?

Buying a level term life insurance policy can provide your family with the money they need to make their mortgage payments if you’re no longer alive to support them.

Get a Free Quote for Mortgage Life Insurance

If you die, your family might not be able to pay the mortgage. With a level term life insurance policy, the death benefit would provide the money necessary for your family to make the mortgage payments, and stay in their home.

There is mortgage protection insurance available, but many people choose term life insurance instead.

Why Should You Choose Term Life Insurance Instead of Mortgage Insurance?

A common approach to providing money to pay off a mortgage in if you die is to buy term life insurance. Term insurance offers you much lower premiums, but the amount of life insurance protection doesn’t decrease over time, as it usually does with mortgage protection insurance. That’s a big benefit for your family.

Which Type of Term Life Insurance to Choose?

The least expensive type of term insurance is decreasing term life insurance. The rates remain the same over time, but the coverage amount decreases in line with your outstanding mortgage. If you only want protection for your mortgage, then decreasing term may be your best option.

Another option is level term life insurance. With level term your rates are guaranteed to remain the same over the policy term, and your death benefit remains the same, so your family has more proceeds available than just being able to pay off your mortgage.

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we’ll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.

6 Poker Gadgets That Aren’t Lame

I usually agree with the writer Orison Marden: “He only is rich who can enjoy without owning.” I own a decent car, sure, but I’ve maintained it and kept it running for over a decade. I don’t have a massive house, I don’t wear any jewelry besides my wedding ring, and I try to live life simply.

Except when it comes to poker.

I’m a total sucker for poker gadgets. Over the years, I’ve bought enough eBooks, trainers, and fancy equipment for my poker room to operate a resale shop. Everyone has a vice, right? I own everything from Vat19’s giant playing cards to the ridiculous Belkin n52te mouse that poker pros seem to swear by. I’ll try anything twice, just in case the first time was a fluke.

My collection of poker gadgets that I used twice and got rid of could fill a small warehouse, but the list of gadgets that I continue to use and find useful? It’s really short. I feel uniquely qualified to offer up a list of six poker gadgets that don’t suck. The six devices below are items that I actually recommend to poker players – not just things that I think are neat.

Bestway’s Inflatable Poker Table
Once upon a time you had to track Betway down online and place an email order if you wanted this item. It cost $50 and I was lucky to get one when I did. Then I started seeing them on Amazon, at a slightly lower price. These days, you can buy Bestway’s inflatable Texas Hold’em poker “table and chair set” at Wal-Mart. For less than $30 you can take your weekly game out to the pool and get some Vitamin D for once. I swear by this thing during the summer, and it’s a great conversation piece.

Rush Creek’s Octagon Poker Table
If you value the ambience of your private poker game, it’s time to man up and invest in a legitimate poker table. The days of folding tables and plastic lawn chairs are over. Poker players have style and they demand a certain level of quality. Impress your friends and own this piece of furniture that you don’t have to hide when the boys aren’t over. Sure, it has a frontier look, but I don’t think it’d be out of place in a game room or man cave.

KEM Plastic Playing Cards
I got on the KEM train early. It’s rare that poker players come to anything like a consensus, but in the case of KEM’s cellulose acetate playing cards, everyone agrees. They’re the best. They’re beautiful, durable, and available in two sizes and a wide range of designs. Point your browser to KEM’s website to order the cards and browse their list of accessories, like chip sets, score pads, and card trays. I’ve tried switching to Copag PVC cards, mainly because they’re 1/3 the price and still a respected manufacturer, but I just hate the way the PVC feels in my hands. Go with the original and still champion playing card manufacturer – KEM.

Logitech’s G19 Programmable Gaming Keyboard
If my wife thought a $70 mouse was obscene, imagine how she’d respond if she knew how much I really spent on Logitech’s G19 keyboard. I told her I won it in a giveaway – but in reality it set me back $200. It’s worth every penny. From the customizable LED backlight (which has cut back on my mis-clicks) to the built-in LCD screen I use to display stats and YouTube videos while I play, I can’t imagine playing online poker without it.

An Aeron Office Chair
Herman Miller makes the famous Aeron chair, and though it was in no way designed specifically for use by poker players, I think it is a must-won for anyone expected to spend serious time in front of their laptop playing poker. The Aeron is beautiful, functional, and eliminates overheating and strain through the use of ergonomic design and modern materials and production. If I sound like a fanboy, it’s because I am. I cured years of muscle strain and sciatica by replacing my cheap office chair with an Aeron. I’ve probably saved thousands of dollars in chiropractor bills just by buying my Aeron, which set me back almost $800 but was totally worth it.

A Year of Poker Training at Ivey League
Not exactly a gadget, but still expensive enough to make this list. A year’s paid subscription to Ivey League will set you back between $70 and $500, but the access this membership gives you to training from real poker pros is (not to sound like a broken record) totally worth it. I recommend this service to poker players at all ability levels. If you can afford it, the Masters access (at $75 a month) gives you access to the most content and the most one-on-one contact with the site’s pros. Don’t take my word for it – check out PokerFuse’s review from last year.

Conclusion
Don’t get me wrong on this point – I don’t think gadgets are crucial to success in poker, online or otherwise. I know amazing players that own a twelve year-old laptop and absolutely no gadgets. I also know guys that buy everything on the market and never win a hand.

But I DO think that most players will enjoy themselves more if they incorporated gadgets into their poker game. My online poker play is a form of entertainment – I don’t make nearly enough money from poker to call it a job. If I think of entertainment as currency, anything that makes me have more fun increases my expected value.

The gadgets above have all been tested extensively by myself and my poker buddies. This isn’t by any means an exhaustive list. But it is a list of amazing poker-related gadgets and merchandise that can enhance the entertainment value of your poker play. And that’s worth a few Amazon purchases, don’t you think?