Author:Cindy Hartman

Happy Holidays

The plethora and variety of holidays have arrived, and many include the tradition of decorating your home. You have probably already pulled your decorations out of storage and are enjoying the beauty, memories, and emotions they provide. It is difficult to remember the contents in your...

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The Sales Are Great

Many people take advantage of the fantastic sales offered during this holiday season. Appliances, electronics, furniture, jewelry, high-priced clothing - just about anything you need or want is available at a reduced price during the month of December. When you purchase your new personal property items...

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Being Thankful

This is the time of year when most people take time to reflect. These thoughts include being grateful for their health and thankful for family and friends. Most also appreciate all the "stuff" they own, realizing how fortunate they are. Years ago, most houses had only...

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A Fungus Among Us

“Blue cheese contains natural amphetamines. Why are students not informed about this?”  - Mark E. Smith Mold is a fungus, among us, that is found both indoors and outdoors. The exact number of species is unknown but range anywhere from tens of thousands to over three...

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Personal Property Theft Sub-limits

[caption id="attachment_52008" align="alignleft" width="138"] © Denis Ryan Kelly Jr.[/caption] Most homeowners are unaware of personal property theft sub-limits within their homeowners’ Coverage C (contents). Sub-limits are special limitations (dollar limits) within a homeowner policy regarding personal property that is stolen. There are specific dollar limits for theft...

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Duties After A Loss

Guest author, attorney Patrick Olmstead, shared insightful information in my previous post titled A Fire Loss Completely Changes Your Life. He explains what can happen to a business owner after a fire. Similar issues face a homeowner as well. Whether a loss is from a fire, burglary,...

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