There are two basic approaches to dealing with ice dams:

1. Hire a professional. This is the safest way to remove snow and ice from your roof.
However, if you wish to tackle the problem yourself, follow these recommendations from roofing experts:
Use a roof rake to remove snow buildup on the roof
Try not to damage your shingles
Avoid standing under icicles or roofs with large amounts of snow
Use extreme caution when using ladders because rungs become very slippery with snow and ice on them
Don’t use a roof rake near electrical wires
Have someone nearby check on you in case you need assistance or are injured

2. Create channels in the ice dams.
If you notice an ice buildup, fill a large sock with a melting agent (preferably calcium chloride) and lay it across the dam perpendicular to the gutter
The sock will release the melting agent gradually and create a channel in the ice for water to empty through
You may need several socks for an ice dam that runs the length of your roof

Does my house have ice dams?
Look for these warning signs:
Large icicles hanging from gutters
Water dripping from the roof overhang
Leaks, stains or damaged ceilings or walls inside your home

What if water is dripping inside my home?
If you notice leaks in your home, it’s important to do what you can to mitigate the damage:
Collect the dripping water in buckets and pans
Mop up standing water
Move furniture, clothes and valuables out of harm’s way
Call a professional to deal with the snow on the roof and to dry out your house

Please remember to use extreme caution and consult a professional before attempting any dangerous home repairs yourself. Feel free to share this information with friends and family if you have found it valuable.

We care about protecting you, your family and your property and we’re glad to serve you.

To receive a quote or a free analysis of your insurance needs to learn about ways to optimize your coverage call us at (774) 448-8942.

1. Savings – Insurance companies are often able to give better deals when customers sign up for more than one type of insurance, such as auto, home, and life. And the more policies you add, the more you save.

2. Avoid the gap – By bundling your insurance through the same company, your agent can help indentify redundancies or gaps in your coverage. This could be especially useful in situations such as a newlywed couple trying to merge under one provider or a widower who needs to reduce his or her coverage.

3. One deductible – Some carriers allow you to pay just one deductible (the higher of the two) if more than one item is damaged during the same event. An example would be if your home and car were both damaged by a storm.

4. Streamlined process – Working with one carrier helps streamline the management of your account for payments, claims, and changes. While you may still find yourself paying separately  for certain policies, most carriers try to make it as convenient as possible, even offering online or automatic payment options.

5. More discounts – Before signing on the dotted line, don’t forget to ask your agent if there are any other discounts you might qualify for. You never know!

Massachusetts insurance isn’t like buying bread or milk. Insurance is an important safety net for your family, your home, your car or your business. Don’t treat the purchase lightly!

There is a difference in where you buy your Massachusetts insurance protection. Many people don’t realize there are three sources for insurance:

1. Captive Agents, who can sell you the insurance of only one company.
2. Telephone Representatives, who can offer you the insurance of one company, and only on the telephone.
3. Independent Insurance Agents, who represent an average of eight insurance companies, and research with these firms to find you the best combination of price, coverage and service.

Your Massachusetts Independent Insurance Agent:

• Is a licensed professional with strong customer and community ties.
• Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
• Unlike other agents, your Independent Insurance agent is not beholden to any one company; thus, you don’t need to change agencies as your insurance and service needs change.
• Assists you when you have a claim.
• Is your consultant, working with you as you determine your needs.
• Offers you a choice of Massachusetts insurance plans and programs.
• Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
• Offers one-stop shopping for a full range of products – Massachusetts home insurance, renters, Massachusetts car insurance, business, life and health.
• Can periodically help you review your coverage to keep up with your changing insurance needs.
• Treats you like a person, not just another number.
• Customer satisfaction is the key to a Massachusetts independent agent’s livelihood. So, serving you is a very important concern.

There Is A Difference between Massachusetts Independent Insurance Agents and Captive Agents.

The inaugural study examines overall customer satisfaction, insurance shopping and purchase behavior among small business commercial insurance customers with 50 or fewer employees. Overall satisfaction is comprised of five factors (in order of importance): interaction; policy offerings; price; billing and payment; and claims.

KEY FINDINGS

• Overall customer satisfaction among small business customers is 777.
• Satisfaction is significantly higher when an agent or broker understands their customer’s business and provides guidance regarding risk (835) than when neither of these metrics is met (645).
• Policy offerings—not price—is the primary reason small business customers select an insurer; level of service is the primary reason they stay with their insurer more than two years.

Overall customer satisfaction among small business customers is 777 (on a 1,000-point scale). Among the five factors impacting satisfaction, interaction has the highest importance weight at 29 percent, followed by policy offerings at 26 percent. Interaction satisfaction is highest when customers interact with an agent in person (854). In contrast, satisfaction is significantly lower when customers interact via email (819).

Customer satisfaction is highest among small businesses with 11-50 employees, compared to businesses with four or fewer employees (790 vs. 769, respectively). Higher scores among larger businesses are influenced by agents and brokers spending more time with these key accounts. Agents and brokers are not only interacting with these larger businesses more frequently, but the interactions are also three times more likely to be made in person outside of the agent’s office, compared to businesses with four or fewer employees (24% vs. 8%, respectively). Consultation via face-to-face interactions allows insurance agents to understand the customer’s needs, provide helpful information regarding risk and tailor insurance products to meet their needs.

“Providing face-to-face consultation, from policy review to helping customers understand price adjustments initiated by the insurer, is crucial for customer retention and satisfaction,” said Jeremy Bowler, senior director of the insurance practice at J.D. Power. “Those small business customers who have regular face-to-face contact with their insurance agents are more likely to understand their coverage, its value and the reason for a price adjustment should one occur. These customers are more likely to be satisfied and loyal to the insurance brand than those who don’t have regular in-person interactions.”

Bowler also noted that satisfaction is higher when insurers inform small business customers about price changes in person (823) than when they inform customers by phone (805) or email (783).

Policy offerings is an increasingly important driver of customer retention, especially for small businesses with 11-50 employees. The higher the employee count, the more important the product selection becomes. Nearly two-thirds (62%) of small businesses with 11-50 employees indicate policy offerings are a leading reason for retaining business with their insurer, compared with 50 percent of businesses with fewer than five employees.

Confidence that they’re properly insured is of critical importance to small business owners, who need to understand the variety of insurance coverage options and know that the policy meets their needs. Among businesses customers who purchased their policy within the past two years, policy offerings, not price, is the most frequently cited reason for selecting their insurer.

“Small business customers who are highly satisfied with their insurer are more likely to work with just one insurance provider for all their insurance needs, as well as purchase more products, on average, from their carrier,” said Bowler. “For example, highly satisfied customers average 5.4 products with their insurer, compared with 4.3 products for the least-satisfied customers.”

The 2013 U.S. Small Business Commercial Insurance Study is based on 3,742 responses from insurance decision-makers in businesses with 50 or fewer employees that purchase general liability and/or property insurance. The study was fielded from April 2013 through July 2013.

About J.D. Power
J.D. Power is a global marketing information services company providing performance improvement, social media and customer satisfaction insights and solutions. The company’s quality and satisfaction measurements are based on responses from millions of consumers annually. Headquartered in Westlake Village, Calif., J.D. Power has offices in North/South America, Europe and Asia Pacific. For more information on car reviews and ratings, car insurance, health insurance, cell phone ratings, and more, please visit JDPower.com. J.D. Power is a business unit of McGraw Hill Financial.

About McGraw Hill Financial
McGraw Hill Financial (NYSE: MHFI) is a leading financial intelligence company providing the global capital and commodity markets with independent benchmarks, credit ratings, portfolio and enterprise risk solutions, and analytics. The Company’s iconic brands include: Standard & Poor’s Ratings Services, S&P Capital IQ, S&P Dow Jones Indices, Platts, CRISIL, J.D. Power, and McGraw Hill Construction. The Company has approximately 17,000 employees in 27 countries.