purchase flood insurance before they qualify for a mortgage. But if you live in a less risky place, flood insurance is optional — even though you may own one of the 43,000 properties in Tampa that are at risk. How is that possible? Well, the First Street Foundation also found that FEMA’s current maps of high-risk homes may be out of date. In its report, the nonprofit argues that FEMA missed about 114,000 Florida properties that are at risk of flooding in a 100-year storm. Without flood insurance, your wallet is vulnerable to the potentially sky-high cost of flood damage. According to FEMA, a single inch of water can wreak $25,000 worth of havoc in your house! (To find out how much flood damage would cost you specifically, visit FloodSmart.gov/ CostofFlooding to take FEMA’s quiz.) Fortunately, flood insurance will protect you from those costs, and our team here at Vermost offers free, comparative quotes on flood insurance so that you can choose the best rate and coverage for you. To request a quote today, visit Vermost.com and click “Get a Quote.”
5 Tips to Make Gutter Cleaning Hassle-Free Get Your Mind Into the Gutter No homeowner likes cleaning their gutters. It’s a universal truth, but unfortunately the smelly, messy job has to be done, and this is the month to do it! Why clean your gutters? If you don’t clean your gutters regularly, they’ll be too full of leaves and debris to ferry rainwater properly. This doesn’t sound like a big deal, but it can have disastrous consequences. Water can pool on your roof and cause a leak, seep into your basement, act as a breeding ground for insects, or even damage your foundation if it collects near the walls of your home and then freezes. Yikes! Make the messy job easy! According to the experts at Realtor.com, August is a prime time to clean out your gutters before late-summer storms hit. Luckily, there are dozens of ways to make the nasty job easier. Here are five of our favorites. 1. Invest in a gutter scoop. Gutter scoops are designed specifically for cleaning out gutters, and prices for them start at less than $3.50 at Home Depot, Lowe’s, and Amazon. Buying one will save you from digging through the gutter goop by hand! In a pinch, you can also use a pet food scoop or plastic cup. 2. Dress for the mess . To protect yourself from dirt and bacteria, wear thick suede-type gloves, rubber-soled shoes, and protective glasses or goggles. 3. Let your hose do the work. As an alternative to the gutter scoop, you can attach a spray nozzle to your hose and blast the leaves out of the gutter! This method uses a lot of water, but it’s an easy (and clean) strategy. 4. Try gutter guards. Gutter guards are metal grates that you can snap onto the tops of your gutters. They let water through, but keep leaves and debris out. Outfitting your entire house with guards can get pricey, but they save you hassle come cleaning time. 5. When in doubt, hire it out. Of course, the best way to make gutter cleaning easier is to pay someone else to do it! Hiring an expert will keep you out of the muck and guarantee great results.
CALL FOR DETAILS OR TO MAKE YOUR APPOINTMENT TODAY (727) 748-2886 Chuck Chucri, CFP® , CLU®, ChFC®, FLMI Financial Planner
Prudential Advisors Prudential.com/advisor/chuck-chucri
Our financial advisors offer investment advice, and some may offer financial planning. Our financial advisors and financial planners offer financial planning and/or investment advice through Pruco Securities, LLC (Pruco), under the marketing name Prudential Financial Planning Services (PFPS). A financial advisor or financial planner offers securities, products, and services as a registered representative of Pruco and offers insurance products as an agent of issuing insurance companies. (800) 778-2255 Vermost Insurance is an independent organization and is not an affiliate of Prudential Financial.
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