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Common Roofing Problems and Their Solutions

Aerial,View,Of,Roof,Work,Done,On,A,Home.

Your roof is your home’s first line of defense against the elements, and it’s essential to keep it in good condition to ensure the safety and longevity of your property. Over time, various roofing problems can arise, but the good news is that most of these issues can be addressed with timely repairs. In this blog post, we will discuss some of the most common roofing problems homeowners encounter and the solutions to resolve them effectively.

Leaky Roof:

Problem: Water leaks are a common issue, often caused by damaged or missing shingles, deteriorated flashing, or worn-out sealants.
Solution: Identifying the source of the leak and promptly repairing or replacing damaged roofing materials can resolve this issue. Regular inspections and maintenance are key to preventing leaks.

Shingle Damage:

Problem: Shingle problems, such as curling, cracking, or missing shingles, can leave your roof vulnerable to water infiltration.
Solution: Replacing damaged or missing shingles and addressing the underlying causes, such as poor ventilation or inadequate attic insulation, can restore the roof’s integrity.

Moss and Algae Growth:

Problem: Moss and algae can grow on your roof, causing aesthetic issues and potential damage.
Solution: Cleaning your roof and applying treatments to prevent regrowth can help maintain its appearance and longevity.

Ice Dams:

Problem: In colder climates, ice dams can form on your roof’s edge, leading to water backup and potential leaks.
Solution: Proper insulation, ventilation, and regular maintenance can prevent ice dams. Additionally, removing snow buildup from your roof can help mitigate the risk.

Roof Ventilation Issues:

Problem: Poor ventilation can lead to temperature imbalances, moisture buildup, and premature aging of roofing materials.
Solution: Ensuring proper roof ventilation through vents and soffits can maintain a consistent temperature and humidity level in your attic, extending the life of your roof.

Flashing Problems:

Problem: Damaged or improperly installed flashing around chimneys, vents, and skylights can allow water to seep in.
Solution: Replacing damaged flashing and ensuring proper installation is crucial to preventing leaks in these vulnerable areas.

Sagging Roof:

Problem: A sagging roof may indicate structural issues that require immediate attention.
Solution: Consulting a professional roofing contractor is essential to assess and address any structural problems, which may involve reinforcing or replacing support beams.

Gutter Clogs:

Problem: Clogged gutters can lead to water overflow, damaging the roof and causing foundation issues.
Solution: Regular gutter cleaning and maintenance can prevent clogs and ensure proper drainage.

Regular roof inspections and maintenance are vital for identifying and addressing common roofing problems before they escalate. Whether it’s a minor repair or a more extensive renovation, acting promptly can extend the life of your roof and protect your home from costly damage. If you encounter any of these issues, don’t hesitate to consult a professional roofing contractor for expert solutions.

April 16, 2024/by John Tahmoosh

Safety, Tips

The Sobering Stats: Drunk Driving and Its Impact on Insurance Premiums

Drunk driving is a pervasive issue that not only poses significant risks to road safety but also has lasting consequences on individuals’ financial well-being. The following show sobering statistics of drunk driving and how they correlate with increases in auto insurance premiums.

The Alarming Statistics
The numbers are stark and alarming. According to the National Highway Traffic Safety Administration (NHTSA), alcohol-impaired driving contributes to a considerable portion of road accidents. In recent years, nearly 10,000 people lost their lives in crashes involving alcohol-impaired drivers, accounting for nearly 28% of all traffic-related fatalities.

Impact on Insurance Premiums
For those caught driving under the influence, the financial impact goes beyond legal fines and court fees. Insurance premiums take a substantial hit. On average, a DUI conviction can result in a staggering 80% increase in auto insurance premiums. This spike in costs is attributed to the heightened risk that insurers associate with drivers who have a history of impaired driving.

Risk Assessment by Insurers
Insurance providers meticulously assess risk when determining premiums. A driver with a DUI is statistically considered a high-risk individual due to the increased likelihood of accidents and claims. This risk assessment translates directly into higher insurance premiums, reflecting the potential financial exposure that comes with covering a driver prone to impaired decision-making behind the wheel.

Regional Variances
Statistics also highlight regional variations in the prevalence of drunk driving and its impact on insurance premiums. States with stricter DUI penalties and enforcement tend to have lower instances of drunk driving accidents and may see comparatively lower insurance premium increases for those convicted.

Age and Gender Disparities
Studies show that certain demographic factors, such as age and gender, play a role in drunk driving statistics. Younger drivers and males are more likely to engage in risky behavior, including driving under the influence. Consequently, this demographic may experience more substantial increases in insurance premiums following a DUI conviction.

Repeat Offenders
Another concerning statistic is the rate of repeat DUI offenses. A significant number of individuals who have been convicted of driving under the influence continue to engage in risky behavior. Repeat offenses not only result in more severe legal consequences but also lead to higher insurance premiums, as insurers perceive an elevated level of risk.

The statistics surrounding drunk driving and its impact on insurance premiums underscore the importance of responsible decision-making behind the wheel. The financial ramifications of a DUI go beyond the initial legal penalties, affecting individuals’ ability to secure affordable auto insurance for years. By understanding these statistics, individuals can make informed choices, prioritize responsible driving, and contribute to safer roads for everyone.

March 14, 2024/by John Tahmoosh

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How to Drive in Icy Conditions

Icy weather can create challenging, and potentially dangerous, driving conditions in the winter months. Black ice forms on roadways and can produce a nearly invisible hazard. As temperatures approach freezing, icy conditions can develop, especially on roadways where elevation is higher, and bridges and overpasses. Adjusting your driving behavior for these conditions can help keep you, and others around you, safe on the road this winter.

Recognize Local Forecast

Changing winter weather can present hazards for drivers unaware of the local weather forecast. Knowing when ice may be present is an important first step. If you plan to drive in an area where snow or ice may be possible, check conditions in advance. You can sign up for weather alerts to receive text messages and optional alerts for your area. Just make sure not to use your smartphone while driving, as you will want your full concentration on the road.

Be Aware of Other Drivers

Even if you know the area and are familiar with driving on icy roads, other drivers may not be as experienced or aware of potential dangers. It’s important to increase your following distance to compensate for the increased stopping time it can take for you and other drivers to stop on slick surfaces. Be aware that larger vehicles, such as tractor-trailers, may require even longer to stop in adverse weather conditions.

Practice Caution in All Vehicle Types

While four-wheel drive, all-wheel drive, Electronic Stability Control and other safety features can help you to drive more safely in the snow and ice, they may not be able to help drivers to safely drive at regular speed limits during snowy, slushy or icy conditions. The National Safety Council recommends a three-second following distance during ideal road and weather conditions, and suggests slowing down and increasing following distances during adverse weather conditions or when visibility is reduced. Depending on your vehicle and where you live, you may want to consider whether snow tires are necessary in the winter months.

Expect Changing Road Conditions

Even the day after a storm, road conditions can remain challenging as road crews work to clear snow and ice. The roads may be clear in one area and icy in another due to elevation, road treatment and other factors. Freezing and melting precipitation can create new dangers overnight. As air temperatures rise above 32 degrees, roadways may retain pockets of ice that can be dangerous to drivers.

Know Where to Stop Safely

Deciding to stay home or to get off the roads when conditions turn icy can be a smart safety decision. Make sure that you choose a safe spot to wait for conditions to improve. Rest stops and parking lots are generally safer than the side of the road, where limited visibility may create hazards from snowplows and other traffic.

Encourage Safe Driving

If you have friends or family planning to travel during the winter months, offer them a chance to opt-out of travel if conditions appear hazardous. For parents of newer drivers, consider creating rules about driving in snow and ice, and talk with your teens about the importance of changing their driving behavior during the winter months.

Icy conditions may present challenges for drivers, but there are steps that you can take to stay safer and to anticipate potential hazards. Know the local weather forecast, slow your speed, increase your following distance, allow yourself extra travel time and be prepared for unexpected icy conditions on the road. Just like other people’s driving, winter weather can be unpredictable.

But even the safest, most experienced drivers can get into an accident. That’s why it’s important to have the right insurance to protect you and your vehicle. At A.C. Marmo & Sons, Inc., your road safety is very important to us. Call us at 973-340-9100 or visit our website at https://www.acmarmo.com/ to discuss your auto insurance needs.

Source: https://www.travelers.com/resources/auto/safe-driving/how-to-drive-in-icy-conditions

February 2, 2022/by John Tahmoosh

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Holiday Pet Safety

The holidays are filled with joy, laughter and time spent with family and friends. In the bustle of the season, however, it’s easy to forget these festivities aren’t always pet friendly. We at A.C. Marmo & Sons, Inc. know how important our pets can be to the whole family. Here are some reminders to keep your furry friends out of the vet clinic this holiday season, and visit us at https://www.acmarmo.com/ to consider us for your pet insurance needs.

When Decorating

Many traditional holiday decorations can be toxic to your pets. Plants that are typically used such as poinsettias, lilies, ivy, pine, and mistletoe can cause harm to your pets. Christmas trees can also be dangerous. Prevent your dogs or cats from chewing on limbs or pine needle droppings from the tree. Ingested pine needles could get lodged in the intestinal tract, puncturing the lining or bunching together and causing an intestinal obstruction. When decorating the tree, position your tree’s lights and tinsel draping away from the bottom of the tree where pets can get to them. The water base of a Christmas tree contains dangerous chemicals that could harm your pet. Don’t leave candles unattended. Pets may burn themselves, or accidentally knock them over and spill wax or start a fire.

Having Guests

Spending time with family and friends is part of the holiday fun. However; if you have guests coming in and out of your home this may be stressful to pets. Though the excitement of a party may overwhelm some pets, keep your pets inside during cold weather and provide plenty of toys to keep them busy. If needed, provide your cat or dog with a quiet room or crate during holiday parties and/or prepare ahead of time to discourage barking. Inform your visitors ahead of time that you have a pet.

Dinner Time

Holiday meals are a crowd favorite. Many guests may be tempted to share the goodies with your pets. Verify with them what is and is not safe for pets before they do. If your pets will be partaking in your dinner festivities, only share pet safe foods. Foods your pet can safely eat include: pumpkin, green beans, peas, carrots, apples (never the core or seeds), spinach, winter squash, corn (no cobs, as they can cause intestinal blockage), melon, berries, and bananas. Bones should not be given because they easily splinter and can cause serious health problems (even death) for your pet. Chocolate—which is toxic to dogs, cats and ferrets—and any candy containing the toxic sweetener Xylitol should be avoided. Keep foods containing citric acid away from your pets. Foods such as cherry pits, peach pits and apple seeds contain essential oils that have the ability to cause irritations and even central nervous system depression if a significant amount is ingested. Coffee grounds, beans and chocolate-covered espresso beans should be kept out of reach. Raw eggs, grapes and raisons, nuts, onions, and salt should also be kept out of your pet’s food dish.

We hope these tips can help you and your pets have a great holiday season. Visit us at https://www.acmarmo.com/ to view our pet insurance options for peace of mind with your pets safety all year round. Warm wishes from all of us at A.C. Marmo & Sons, Inc.

Sources: https://www.humanesociety.org/resources/holiday-safety-tips-pets and https://www.purina.com/articles/dog/care/5-holiday-safety-tips-for-pets and https://www.billingsanimalfamilyhospital.com/holiday-food-for-pets/

December 15, 2021/by John Tahmoosh

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Thanksgiving Safety Check

Thanksgiving is a time to gather around the dinner table in the company of family and friends and be thankful for all that you have. Thanksgiving is the peak day for home cooking fires, with unattended cooking as the leading contributing factor. Keep your holiday full of laughter and fun by following these safety tips.

Stay in the kitchen when cooking on the stove top.
Stay at home when cooking your turkey and check it frequently.
Keep children at least 3 feet away from the hot stove.
Heat cooking oil slowly and watch it closely; it can ignite quickly!
Keep a lid nearby to smother small grease fires. NEVER throw water on a grease fire!
Always use turkey fryers outdoors and on level ground.

In 2017 the U.S. fire department responded to an estimated 1,600 cooking fires on Thanksgiving. Keeping fire safety top of mind in the kitchen during the holiday will keep you from having a Thanksgiving disaster! A.C. Marmo & Sons, Inc. hopes you and your family have a safe and joyous Thanksgiving!

Sources:
https://www.nfpa.org/Public-Education/Fire-causes-and-risks/Seasonal-fire-causes/Thanksgiving
https://www.dhs.gov/blog/2010/11/24/thanksgiving-safety-tips-us-fire-administration-usfa

November 3, 2021/by John Tahmoosh

Posts

Common Roofing Problems and Their Solutions

The Sobering Stats: Drunk Driving and Its Impact on Insurance Premiums

How to Drive in Icy Conditions

Holiday Pet Safety

Thanksgiving Safety Check

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