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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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Monthly Archives: February 2017

WhyYou Should Inspect Your Roof for Winter

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Winters in Albany, NY can get pretty cold.  By now you have probably had your furnace inspected, cleaned your chimney and are staying warm and cozy in your home. Did you know it is also important to have your roof inspected for winter? Per the National Roof Certification and Inspection Association, thirty nine percent of homeowner’s insurance claims are a result of roof issues. At NY Twin Bridges Insurance Agency, we want you and your family to be safe all winter long. If you aren’t sure if you really need to inspect your roof, perhaps these reasons will persuade you.

A Well-Maintained Roof Can Prevent Costly and Unexpected Repairs

During the winter months, your roof must contend with snow, ice, and hail. It must hold up against heavy falling tree branches covered ice and snow. While roofs are designed to withstand these challenges, sometimes they do get damaged. When damage goes unnoticed, you could be in trouble. A weak spot on the roof during a heavy Albany NY winter storm can lead to roof leaks and water damage. By having your roof inspected or examining it yourself, you will have peace of mind that your home is protected all winter long.

Tips for Inspecting Your Roof

If you decide to take a look at in on your own, there are a few important areas to focus on. First, make sure that all of your shingles are firmly attached and in place. Look for holes or cracks in them. Also, check that the metal flashing is intact and your roof vents are in good condition. If you have questions or need assistance, give one of our friendly agents at NY Twin Bridges Insurance Agency a call. We are here and ready to help you.

Crossing The Line: Does Your Auto Insurance Change When You Leave Your Home State?

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Bags Are Packed – Let’s Go! – But Wait – Are We Insured?

When you are going on vacation, a road trip, or any time that you cross the state line of the state in which you reside the last thing you are thinking of is whether or not your car is insured. NY Twin Bridges Insurance Agency agents are trained and equipped to assist you in answering that question way before the first bag is packed. If you handle it first you won’t have to think about it and can focus on the drive ahead. 

The answer to the question has some complexities that is why it is critical to speak with a professional. While some states vary on the state-to-state coverage issue, in general the rule is the same no matter if you live in Albany, NY, the surrounding areas in NY or in other states across the country: your automobile insurance policy will cover you across state lines. The comprehensiveness of this coverage will vary depending on the type of accident you and your car are involved in. Some state laws may supersede aspects of your policy depending upon the incident or accident. 

Another aspect of travel that many policyholders are not aware of is the insurance responsibility in the event that you rent a car. Many purchase extra insurance through the rental company unnecessarily. Contact us to find out what to do before you rent.

NY Twin Bridges Insurance Agency is a multi-service agency servicing the Albany, NY and surrounding areas. Contact us today to learn more about what is covered and what is not. It is always better to do this before the accident, before the trip; in short contact us before you need to file a claim.