As I was driving to work this morning the sun was just coming up and I thought it looked a bit odd!
It was not bright and sunny, yet the sun was there. I did not think much about this as I planned my day. Eventually, the news caught up with me: “You will likely notice the brownish haze hanging over the sky – especially this afternoon. The raging fires in the west, with their historic smoke plume, have finally spread across the country.”

This is the first time I have witnessed such an event and this reminded me of the vastness of the wildfire tragedy in the west. Our thoughts and prayers go out to all of those who have lost loved ones and lost their homes to these fires. We also commend the bravery and selflessness of those fighting the fires.
Where we live in Massachusetts the chances of experiencing this type of natural disaster are extremely slim. However, this type of destruction does remind me and all of our Herlihy Team members that we do have total home house fires and how important it is to guide our clients to insure properties to their rebuild value.

As we work with our clients to go over “rebuild costs” and “insurance to value” we know that all of our clients want the right insurance protection. We are very thankful when we have the opportunity to review these specific issues with our clients. We know that if you have a home or building fire you want to have enough money to rebuild.

This topic and cost of “rebuild” becomes even more interesting to those of us who currently live in Massachusetts. If you have priced out any construction projects lately, you will know just how expensive it is to build in 2020. The prices of materials and labor have definitely increased. Another rebuild variable to consider is how the building codes have changed in your community. Because many of us enjoy older homes, we may encounter required building code updates when we are repairing or rebuilding our homes.

So on this, partly sunny day, why not take a moment and check in with your insurance agent about your home or other property insurance limit? You do want to be insured to rebuild value.