Many people find out the hard way that their homeowner’s policy doesn’t routinely cover water and flood damage. Small business owners are frequently just as surprised to learn that without a commercial flood insurance rider, any water damage that occurs won’t be covered.
Because a lot of people don’t live in flood zones, they simply skip this coverage to save money. While it may be costly to add a rider to both residential and commercial policies, not having them can be even more expensive.…
During the winter, your deck won’t get a whole lot of attention—not near as much as it did during the summer anyway. If you have a firepit on your deck, you may use it every now and then, and you may gaze at it longingly from inside your home, but for the most part, it won’t be used until next spring. The one thing that you need to do, though, is ensure that your deck remains in good shape so that it is ready to be used as soon as all that snow melts and the temperatures start warming up.…
If you own commercial property and have been approached by someone wanting to lease it as a medical facility, there are a few things you need to understand before creating the lease. It is common for a building owner to help with some of the costs for a business to finish the space they need for the operation of the business, this is true when it comes to medical facilities. You may be asked to take care of any renovations to the building that the lessee will not be able to take with them at the end of the lease.…
