Insurancebroker

A Bed and Breakfast, often referred to as a B&B, is a private residence with several rooms of which are set aside for overnight guests whose paid accommodations include breakfast. Modern Bed and Breakfast often consciously tries to recall earlier days - they are generally established in charming older houses which have been refurbished and adorned with antique furniture.

Hence insuring ones bed and breakfast property is a better idea to recover any loss caused accidentally. Also, if a guest is injured while staying in the bed and breakfast, and if the adequate liability cover is not in place, the owner has to face the loss. Another important reason to insure ones property is incase one has to close its doors for a while, especially during peak season, due to any number of problems such as fire and storm or a violent or accidental event at the premises. Hence insuring your property at the right time and right insurer will help a prospective owner to compensate the loss.

Most of the bed and breakfast insurance policies cover ones personal property, liability exposures, and optional coverage such as those incurred through business. Property coverage include special cause of loss, actual cash value or optional replacement cost, business income and extra expense, newly acquired or constructed property and business personal property.

The policies available could also cover bodily injury and property damage, contractual coverage, personal injury, advertising injury and host liquor liability. Optional coverage includes crime, food spoilage, guest inconvenience coverage, employee benefits administration liability and ordinance and law coverage.

Generally most insurance policies cover all the bed and breakfast activities including the supply of food and drink. The coverage can be extended to weddings, garden parties, visits by day trippers to historical homes, in-house gymnasiums, fishing and bicycle use, limited horse riding activities and even legal liability cover on stolen credit cards.

Most insurance companies prefer to be informed about changing circumstances within a bed and breakfast property. The management companies should be aware of this responsibility existing building policies may be affected if there is an increase in the number of bed rooms from that shown in the schedule, and the change not conveyed to the insurers in time for their consideration.

Hence before getting in to any insurance package, it is advisable that the prospective customer rationally selects the package that suits him the best by shopping around and comparing terms, conditions and premiums on a like for like basis.

You may be asking yourself, Do I need a new roof? If you are also asking yourself the following questions, then you want to seriously consider a roof replacement:

1. Upon inspection of my roof, I noticed algae growth. Do I need a new roof?

2. I noticed curling and blistering on my roof. Do I need a new roof?

3. I see that some of my shingles are missing or broken. Do I need a new roof?

4. I noticed some rotting. Do I need a new roof?

5. I saw several dark patches and they appear dirty. Do I need a new roof?

6. I observed some sagging and buckling in my roofs structure. Do I need a new roof?

If the answers to any of these questions are yes, consider a simple formula of economics. If you have a roof that is knowingly in need of repair, and may need a lot more maintenance in the future, would it be better to continue repairing your current roof or should you have it completely replaced? It may be less expensive, in the long run, to spend the money now on a new roof rather than continuously repairing one that is already damaged. In addition, a new roof may lessen the chance of extensive damage and insurance claims during a future storm or other inclement weather

Before deciding whether to repair or replace your roof, inspect it carefully for any signs of damage or deterioration. Its important to remember that, during inspection, avoid walking on your roof if at all possible as this may cause further damage to the structure. It is advisable to use binoculars or a ladder to get the best view possible. There are two ways to inspect your roof, which includes both an outside and inside inspection.

The outside inspection is, perhaps, the easiest and should be done first. Most outward signs of damage can be seen immediately. There are specific signs to indicate that your roof may need to be replaced, including algae growth, curling, blistering, missing or broken shingles, missing granules, rotting, damaged flashing, buckling, loose or exposed nails, dark patches that appear dirty, sagging in the center of the roof or the presence of rust.

The inside inspection may take more time and effort, but is essential in determining the best outcome for your home. There are a number of indoor signs to indicate that your roof may be in need of replacing, including ceiling spots, sagging between the rafters or an outside light that is visible through the roof. The most obvious of the signs, which are ceiling spots, are easily visible and would be a clear indication of leakage. If a roof is found to be leaking, and appropriate repairs are not made, the water damage may cause additional damage to your insulation and increase energy costs. If you locate dark spots in the wood, test them in order to decide if the problem is one of immediate concern. If the spot feels soft to the touch or is damp, the indication would be that the problem is a current one. On the other hand, if the spot is dry, its possible that this is a previous problem that has been corrected or is no longer an issue.

If you find any of these signs to be present, contact a roofing contractor for a professional evaluation. Before deciding for yourself, ask for their opinion and request an estimate. In some cases, a simple repair may be all that is needed to correct a problem. However, if the problem is going to be reoccurring, consider the possibility of replacing the roof entirely. For instance, if your roof shows signs of rotting, this could be a larger problem in the future if it has spread throughout the structure. If, on the other hand, a few shingles are in need of repair, you wouldnt necessarily want to replace the roof entirely. When making any major home improvement, consider each option carefully before making a final decision.