Vargas & Vargas Insurance

1133 Washington St
Dorchester, MA 02124

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Recap: Tips for Hiring a Boston Contractor

“Hiring people is like making friends. Pick good ones, and they’ll enrich your life. Make bad choices, and they’ll bring you down.” – Jason Fried

Have you been considering a remodel or addition for your Boston home? If so, you need to hire the right contractor for the job. Here at Vargas and Vargas Insurance Agency, we want to make sure you’re happy with the work you have done, so we have compiled a list of tips to help you choose the right contractor:

  • Find someone who will communicate early and often.
  • Don’t automatically accept the lowest bid.
  • Make sure your contractor is licensed, bonded, and insured.
  • Inspect your written contact, ensuring it contains deadlines and financial estimates.

Once the work begins, there are a few more tips that you should follow to ensure that the process goes smoothly:

  • Allow workers to store their tools and equipment on site.
  • Relocate anything fragile or valuable.
  • Choose between options in plenty of time.
  • Keep a detailed record of all documents and communications.

For the full list, and a few additional tips to help you through the construction or remodeling process, visit our original post from last week. And remember, your Vargas and Vargas Insurance agent is able to give you a free home insurance review to ensure that you have the right amount of coverage for your property. Also make sure that you update your policy if the value of your home changes because of a remodel!

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10 Essential (and Easy to Forget) Home Maintenance Tasks

Owning a home is the “Great American Dream,” but sometimes homeowners get a little tired of all of the maintenance that comes with the territory of ownership. There is a lot to remember… since a home has so many parts, it’s hard to keep them all running simultaneously!

You’re juggling a lot, so here are a few reminders of items that may need a little bit of TLC. They are easy to forget but shouldn’t be neglected. Make sure these all get added to your DIY maintenance schedule, or call a Massachusetts professional in order to remove them from your ‘honey-do’ list:

  1. Refrigerator: There’s more to cleaning your refrigerator than throwing out spoiled food. Occasionally, you will need to clean the coils – these are what helps keep the refrigerator cold and having them covered in dust will make your appliance less efficient. Also clean out the drip pan, which is often on the bottom of the unit.
  2. Water Heater: As you use your water heater, sediment will sometimes flow into the tank. This sediment reduces the heater’s efficiency and shortens its lifespan. To get the sediment out, you will need to empty the tank, which is a job that needs to be done with extreme care in order to avoid contact with scalding hot water. Most people opt to let a professional handle this annual task.
  3. Kitchen and Bathroom Grout: Most people have grout somewhere in their kitchen or bathroom. Did you know, though, that this grout needs to be resealed occasionally? Most recommend an annual reseal in order to make sure that grout stays waterproof.
  4. Clothes Dryer: Everyone that uses a clothes dryer knows that you have to remove the lint from the lint trap after every load. It is also important to know that you need to give the lint screen a thorough cleaning once in a while – otherwise residue from fabric softener and dryer sheets will cause airflow to be blocked within the unit. You can use any dish soap meant to remove grease, and make sure that the screen dries thoroughly before replacing it.
  5. Chimney: Here in Massachusetts, many homes come with a fireplace and chimney. If this describes your home, make sure that you have your chimney professionally cleaned every year, especially if you use it. This will help you avoid the threat of a chimney fire.
  6. Smoke and Carbon Monoxide Detectors: This home maintenance tip is one that we echo often here at Vargas and Vargas Insurance Agency. Test your smoke and carbon monoxide detectors twice a year. It is critical to know that they will work as intended if there is ever a problem and can give your family critical moments to evacuate the property if there is a fire or gas leak.
  7. Garage Door: To extend the life of your automatic garage door opener, you should plan to lubricate it annually. This includes the chain and overhead springs. Cracked or warped weather stripping on the bottom of the door should be replaced, as should cracked or warped roller wheels.
  8. Air Conditioner and Heaters: It is critical that your heater and air conditioner get regular maintenance visits from an HVAC specialist. They will check the system to ensure that it is running efficiently and that there are no major issues looming. You should also make sure that the filter on these units is changed according to the specialist’s instructions (often quarterly) or more often if you suffer from seasonal allergies.
  9. Gutters: It’s a dirty job, but someone has got to do it! Gutters should be cleaned twice a year (in the spring and fall, typically) to ensure that debris doesn’t collect. If you let leaves, pine cones, etc. clog your gutters, they can get wet and very heavy. This would mean gutters could tear away from your home and/or cause damage to your exterior walls. Overflowing gutters also don’t drain properly, which can cause water to seep into your home or damage your foundation.
  10. Front and Back Yard: Occasionally, you will need to give your greenery some “TLC” – ensure that all trees are looked at by a professional. They will be able to tell you if any branches (or entire trees) pose a falling threat. Have those potential problems dealt with quickly, since they could otherwise break and damage something (or hurt someone) in the next major storm to roll through.

While these tasks are easy to overlook, some of them are critical in order to assure that your home is as safe as possible for yourself and your loved ones. You may choose to do them yourself, but more complicated tasks may require the aid of a professional. For a referral to complete any of these jobs, simply call your favorite local independent insurance agency – we will be happy to point you in the direction of a knowledgeable and courteous workman.

If you do ever have a problem in your home, call Vargas and Vargas Insurance Agency – we can help you file a claim on your Massachusetts home insurance and get you back to normal as soon as possible.

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Is It Time for a Home Insurance Review​?

Spring is a time for new projects. It’s also an excellent time to review your current home insurance policies to make sure they are working for you. If you live in the Dorchester, MA area, Vargas & Vargas Insurance is here to help you every step of the way. 

Home Insurance is Often a Requirement

If you are like many homeowners, you know that you need insurance to protect your home. Almost all financial institutions require that a homeowner have such insurance if they issue a mortgage on your home. However, even if your home is entirely paid off or the financial institution that you deal with does not require you to have insurance on your home, it is still a good idea to do so.

Why is it a Good Idea to Have Home Insurance? 

Your home is probably going to be the largest purchase you ever make in your life. It makes sense that you should protect it to the best of your ability. Having it insured protects your financial situation if something catastrophic should happen. If you are like most people, you don’t have several hundred thousand dollars sitting around that you can tap into should you have to replace your home unexpectedly. That’s what home insurance is for. 

Home Insurance Review

It’s a good idea to undertake a review of your home insurance at least once a year with a representative from Vargas & Vargas Insurance. With a variety of ways to contact us via text, phone call, and email, you can also head to our office at 1133 Washington Street in Dorchester, MA. There, the friendly and knowledgeable staff will carefully go over your current home insurance policy with you to determine if your needs are being met. If they are not, you’ll learn about the many different options that can be added to your policy to offer you the coverage you need.

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Need a Contractor for Your Home Remodel?

If you need some work done on your Massachusetts home, you will need to hire a reputable contractor to oversee the project. A general contractor is the person who will provide labor, equipment, and materials for your project, and will be responsible for hiring subcontractors for the specialized parts of the job. The general contractor will often be the key piece when a home is being remodeled or gaining an addition.

When you’ve never hired a contractor, though, the thought of choosing the right one can be daunting. The types of projects that require a contractor are often large jobs, and you want to make sure that you have the right person in charge. Here are a few tips that can help to ensure that you find the right contractor for your needs:

  • Communication is Key: You want to be updated on the status of your project often, so make sure that you hire a contractor that will communicate with you. You may wish to schedule a recurring weekly meeting with the foreman so that you can get updates and ask questions to your heart’s content.
  • The Lowest Bid Isn’t Always the Best Bid: When it comes to contractors, be wary of accepting the lowest bid on your project. With such an involved task, it’s important to get it done right the first time. And, after all, the saying “You get what you pay for” exists for a reason – you don’t want to hire a contractor that is going to cut corners.
  • Ask for Credentials: It is essential to make sure that your contractor is licensed, bonded, and insured. A contractor should carry up-to-date personal liability insurance, worker’s comp, and property damage coverage. Also check to see if they are a part of any trade organizations like the AGCMA or ABC. And did you know that you can check a construction supervisor license on Mass.gov? You may also want to ask for a list of the contractor’s previous clients that had similar work done, and make sure that you check other reviews.
  • Get a Written Contract: When you think you’ve found the right contractor, make sure that you go over the proposed contract with a fine-tooth comb. The final document should include detailed time-frames and costs, as well as how payment will be handled. Don’t hesitate to ask for clarifications or changes – after all, it’s your home that’s being worked on, and you should be satisfied with what is done.

Once you’ve chosen a contractor and you’re ready for work to begin, it’s important to consider just a few more tips from your favorite Massachusetts insurance agency:

  • Avoid Potential Loss and Damage: Remove breakables and valuables in any area where workers will be.
  • Make Space: It may be helpful for you to make some room for workers to store their tools on-site. Work may be completed faster and more efficiently if workers are able to be organized.
  • Have Answers: At some point, you will likely need to make choices. This could be picking a paint color or flooring, etc. Make your decision in plenty of time so that you don’t inhibit the productivity of the crew.
  • Keep Detailed Records: It never hurts to be thorough, especially when dealing with such a complicated matter. Have a record of all contracts, correspondence, and payment receipts for the job. This will come in handy if there is ever a discrepancy, and at tax time. Also make sure that you get all the warranties for materials and workmanship on the project.
  • Respect Your Neighbors: Make sure that workers know where your property lines are so that they don’t accidentally park vehicles or store items on your neighbor’s territory. It may also be nice to let neighbors know the timeline of your remodel so that they are prepared for how long the construction will last. A baked good or bottle of wine for putting up with the disturbance is also never a bad idea.
  • Focus on the Finish: Often, large and complicated projects like a home remodel can be stressful. It’s important to remember that all of the stress will be worth it in the end.

As a Boston insurance agency, Vargas and Vargas Insurance works with several contractors in the local area, and we would be happy to give you a referral! Call 617-298-0655 and tell us about the project in question, and we can give you the contact information of a contractor in the area that we think will be a great fit for you. You can also request a referral via our Email an Agent page on the website.

While you speak to a Vargas and Vargas Insurance agent about hiring a contractor, ask about a quick and no-cost review of your home insurance policy. We can ensure that your coverage is ready for the remodel or addition that you are planning, and make sure that you are protected against any liability risks presented by workers on your property.

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Recap: Daylight Saving Time

Daylight Saving Time started on Sunday, Match 11. Did you turn back your clocks? Here at Vargas and Vargas Insurance Agency, we have been enjoying the start of Summer Time, and look forward to having daylight further into the evening (and the temperature rise that will accompany it).

Did you take our suggestion to perform any home maintenance tasks while you were updating your clocks? If you need a quick reminder, here are some of the bi-annual tasks that we suggested:

  • Change the batteries in your smoke alarms and carbon monoxide detectors.
  • Test your home’s security system.
  • Clean carpets and rugs, shower curtains, and your pantry and fridge.
  • Flip the mattresses in your home.
  • Restock your home’s emergency kit according to the recommendations on Ready.gov.

And make sure that you check out the original Daylight Saving Time blog post for additional history and fun facts about DST that you can share with your family and friends.

We would love to heat about which of these chores you got checked off your list! And remember, Vargas and Vargas Insurance agents are always available to help with all of your insurance needs, whether it’s Standard Time or Saving Time – just call our office at 617-298-0655 to speak with a Massachusetts insurance expert.

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Recap: Bicycle Safety

Did you see our post from last week about how bicycles are an increasingly popular form of transportation here in Massachusetts? As Spring arrives and you brush the snow off of your bike, make sure to consider these tips from your favorite local insurance agency:

  • Ensure that you are visible when you ride, especially at night.
  • Be aware of your surroundings, don’t wear headphones while cycling.
  • Know the rules of the road before you take your bike out for a spin.
  • Secure your bike when you’re not riding it – always have it locked in a garage or with a U-lock.
  • Avoid being targeted by thieves; vary the location where you lock up your bike.
  • List your bike and its accessories on your home inventory for insurance purposes.
  • Sign up for the National Bike Registry.

Not sure if biking is right for you? Boston has a bike rental program called Hubway where you can rent a bike for a day or get an annual pass for unlimited rentals.

If you have any questions or concerns about insuring your bicycle or its accessories, just talk to a Massachusetts insurance expert at Vargas and Vargas Insurance Agency. We are available from Monday-Friday 8:30am – 5:30pm by phone at 617-298-0655 or come visit us in person at our office in Dorchester or Stoughton.

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Recap: DIY Projects for Busy Homeowners

Last week, we posted an article detailing seven easy do-it-yourself projects that homeowners can tackle in a weekend. And you don’t have to be handy or creative to make an improvement to your home – pick something that you are comfortable doing on your own or enlist the help of a friend or neighbor… just make sure you compensate them with lunch at your favorite local restaurant!

If you’re looking to make an impact on your home without committing to a long-term renovation, you should consider these ideas:

  • Improve your home’s curb appeal with plants and furniture.
  • Plant a garden of fruits, vegetables, or flowers this spring.
  • Update or refresh the lighting fixture in your living or dining room.
  • Install crown molding in high traffic rooms for a classy look.
  • Replace cabinet and drawer hardware in your kitchen or bathrooms.
  • Paint an accent wall to get a huge pop of color without breaking the bank.
  • Get creative and make art for your walls, even let your kids in on the fun.

Let us know which of these tasks is next on your to-do list the next time you call Vargas and Vargas Insurance Agency. And remember, we are always available to help with your Massachusetts home insurance needs. Make sure to stay tuned to our blog for more tips and tricks for homeowners.

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The Complete Daylight Saving Time Checklist

This Sunday, March 11, is the beginning of Daylight Saving Time. This means that before you go to bed on Saturday, you should turn your clocks forward one hour, since the 2am – 3am hour on Sunday will be skipped in order to shift the daylight hours into the evening for the Spring and Summer months. It will stay this way until Sunday November 4, 2018 when the 2am hour will be repeated in order to shift daylight earlier once more.

The History of Daylight Saving Time

Twice a year, we change our clocks – Spring Forward and Fall Back, just like we were taught as young kids. Have you ever wondered why this bizarre ritual exists? It turns out that the practice was officially started in World War I in an effort to conserve fuel for the war effort – first in Germany, then in the rest of Europe. The US adopted the practice in 1918 and abandoned it shortly after. During the Energy Crisis, however, the practice was brought back for good. The Emergency Daylight Saving Time Energy Conservation Act was signed by President Nixon in 1973 in order to make the bi-annual shift permanent.

Internationally, only about 40 percent of the world’s countries observe the time change. There are even some states that don’t change their clocks, including Arizona and Hawaii. Overseas territories like American Samoa, Guam, Puerto Rico, and the US Virgin Islands have also opted out of participating in DST.

Fun Facts about DST

  • In 2007, it was extended. Now summer hours last about a month longer. This is at least in part so that the clocks move back in the fall after Halloween, allowing children to trick-or-treat in more daylight. This was proposed by (who else?) the candy industry.
  • There is also a thought that pushing the end of DST to the first Sunday in November will increase voter turnout in elections, since Election Day will now sometimes be during “Summer Hours,” and people could stop to vote on their way home from work while there is still daylight.
  • Although originally enacted in order to save energy, there have been studies that show that little to no energy is actually saved when the clocks shift to Daylight Saving Time.
  • Pay attention to how you write times when you schedule meetings: during the winter, we are in “Standard Time” and during the summer we switch to “Daylight Time.” This means that here in Massachusetts (and along the east coast) we are switching from EST to EDT.
  • Think about those born at the end of DST: in the Fall, the first of a set of twins or multiples could be born prior to 2am, but since the hour is repeated, those born later could have an earlier time on their birth certificate than their “older” siblings.

Chores for Your DST “To-Do” List

The changing of the clocks forward and back is a perfect reminder to perform other bi-annual household chores. So, think about giving yourself a “Daylight Saving Time” checklist, including the following tasks:

The first thing on the DST checklist is obvious: at Daylight Saving Time, you need to change the clocks! In the Spring, the clocks move forward one hour, and in the Fall, they move back an hour. Your cell phone and other electronics will change automatically, but alarm clocks and the time on appliances will likely need to be changed by hand.

Something else that you need to do twice a year is to test and change the batteries in your smoke alarms. It is critical to the safety of your loved ones that these items work properly, so it is recommended to test the batteries at least twice a year so that you’re warned if there is a fire in the house. Also change the batteries in your carbon monoxide detectors and security system, if needed.

There are several items in your home that deserve a bi-annual cleaning. This will vary according to your personal preferences, but often includes carpets and rugs (including under heavy furniture), windows and window treatments, shower curtains and liners, ceiling fans, and a complete cleaning out of the pantry and fridge. And don’t forget to flip or turn your mattress regularly to improve its longevity and your comfort.

Do you have an emergency kit in your home? You should, after all, you never know when you may end up needing it. Take the opportunity to update and restock your emergency kit when you change your clocks. Your emergency kit should include many items, including at least three gallons of water per person in your home, a three day supply of non-perishable food, medications, important documents (like copies of your insurance policies) and a flashlight with fresh batteries. See the entire list of recommendations at Ready.gov.

Remember that you should also schedule a regular meeting with your local independent insurance agent. Whether you do it as a part of your DST checklist, at the beginning of the year, as a part of your Spring Cleaning, or even on your Birthday, it’s a good way to check in on your insurance policies and to make sure that you and your loved ones have enough coverage.

To schedule a meeting with a Vargas and Vargas Insurance agent, just call 617-298-0655 today. We will be happy to review your Massachusetts home insurance, auto insurance, life insurance, and more! It only takes a few minutes to review your insurance policies, so don’t wait – call today.

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Storm Damage Tips From Vargas & Vargas Insurance

This weekend’s Nor’easter, which is not a storm named by the National Weather Service, produced widespread damage including downed trees, sump pump failures, and power outages. The Vargas & Vargas Insurance team handled dozens of calls throughout the entire weekend and remains available at this time to assist you.

We understand there is great difficulty locating tree removal services and roofers to patch or tarp roof openings. We also note that finding generators and or sump pumps to remove water from basements is a challenge at this time.

Below are some tips should you have suffered any damage:

Tree damage: If there is tree damage to a building or home the first order of business is to ensure everyone’s physical safety. Once that has been completed, contact a licensed tree removal company. Currently, tree removal companies are focusing on calls involving severe damage. We suggest a number of companies be contacted to secure competitive quotes and, if necessary, to get on waiting lists for assistance.

Sump pump failure: Be extremely mindful of entering a flooded basement as water that has risen to certain levels may have caused an electrical short creating a dangerous situation. Elevating personal belongings and removing the water as soon as possible is important. Pumps and generators are in high demand currently and most local hardware and big box home improvement stores are out of stock. Contacting stores within a reasonable driving distance may be good option.

Roof damage: Much like tree removal services, licensed roofers are in high demand after a storm of this size. While likely well-meaning, this will cause individuals without the necessary level of expertise to offer assistance. As we have suggested in the past, please do not let anyone on your roof that you did not contact directly, and please be sure those that do provide help are appropriately licensed and insured.While these are the most common types of losses after a storm of this nature, we recognize these are not the only issues currently being experienced. Please contact Vargas & Vargas Insurance with any questions or concerns you may have.

To report a loss, you can contact us by telephone (617-298-0655), email(customerservice@vargasinsurance.com)
or text (617-409-0329).

If you suffer an emergency that cannot wait until we are open for business, please contact our after-hours claim telephone number  617-322-5289. 

Also, you may find our blog titled, “Home insurance, should you file a claim”, interesting to read, can read it by clicking here.

Sincerely,Carlos

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A Guide to Bicycle Safety and Insurance

Can you feel Spring in the air? When the weather starts to get warmer, people here in Massachusetts can’t wait to get outside and enjoy the fresh air. One spectacular way to do so (while also getting some exercise) is to use a bicycle.

The Increasing Popularity of Bicycles

With the increase in environmental protection and a focus on being healthier, it’s only natural that we would see another “bike boom” here in the US. In the Spring of 2017, it was estimated that there were nearly 70 million bicyclists in the US.

This trend is also seeing an increase due to the emergence of bike sharing services. In Boston, you can rent a Hubway bike for $8 a day or get an annual pass for only $99! Their app will let you know where there is a hub near you.

Safety Tips for Riding

Even the most experienced riders can use a reminder of how to be safe while on a bicycle. Here are some tips for putting safety first:

  • Ride a bike that fits you. Bikes come in all shapes and sizes, so take the time to find one that fits – this will depend on the measurements of both you and the bicycle.
  • Your bike should be ready before you take it anywhere – even just on a quick spin. Take a look to make sure that all parts of the bike are secure and working well.
  • Ensure that you are visible, especially at night. You may wish to purchase accessories for your bike or clothing that is reflective.
  • You should be able to hear your surroundings when you’re riding, so avoid wearing headphones when you cycle. This will make it easier to stay vigilant while you ride and avoid accidents with pedestrians, vehicles, or other cyclists.
  • Last but certainly not least, you should know the rules of the road. When using streets, bicycles are considered vehicles, so look up the Massachusetts rules of riding before your foot ever hits a pedal.

If you know anyone that rides (whether they are a beginner or an advanced bicyclist), share this post with them. You never know who might learn something new!

When You’re Not Riding

Bicycles and their accessories are expensive, so make sure that you take care of your bike even when you’re not riding it.

  • Always keep your bike secure. If you take your bike out for errands or to your workplace, lock it up. As the saying goes, ‘It’s better to be safe than sorry!’
  • Vary the location where you lock up your bike so that you’re not targeted be thieves.
  • When you lock up your bike, make sure you secure it to a fixed, immobile object. It’s also important that you check to make sure that your bike and lock can’t be lifted up and off of the object.
  • The type of lock that you use for you bike is important – there are many good options on the market, but U-locks are generally regarded as the safest option. Lock your bike up high (too low and it’s easy for a thief to break the lock) and always lock to the frame – never to a wheel.

On the off chance your bike is stolen, make sure that you have a picture of the bicycle to aid in the search when you report it as stolen to the police. It helps if you have your name and contact information etched into an inconspicuous location on the bike for proof of ownership. Also consider adding your bike to the National Bike Registry.

Properly Insure Your Cycle

Ok, we’ll admit it – there is not a product called ‘bicycle insurance’ like there is auto insurance or motorcycle insurance, but a bicycle is still a valuable and potentially dangerous object. There are two things you should make sure to properly insure: yourself, and your bike.

First, make sure that your cycle (and all of its upgrades and accessories) are listed in your home inventory. A home inventory is the only way to guarantee that you have a comprehensive list of your belongings in the event of a total loss, and it can be invaluable if you ever need to file a home insurance claim. Owners of particularly expensive bicycles should consider an endorsement for complete coverage.

Second, you need to make sure that you are covered in case of a bicycle accident. If you get sued because you injure someone in a bicycle accident, there should be liability coverage in your homeowner’s insurance or renter’s insurance that will cover you.

To find out more if your insurance policies are ready for your bicycling journeys, talk to your Massachusetts insurance agent at Vargas and Vargas Insurance – just call 617-298-0655. We can review your home insurance to cover your bike and check your liability protection. Make sure to mention to your agent if you’re going to be riding your bike instead of driving your car when you run errands or to commute to work, because less driving could mean a reduction in your auto insurance premium.

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