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Here are 7 pre-storm activities in Minnesota from an insurance agent with 30-plus years of experience that reduce damage and home insurance claims. These DIY activities help to protect your home against severe weather strikes, such as thunderstorms, flash flooding, or tornados, and reduce insurance exposure:

1. Prepare an emergency kit:
   Before a severe weather event, it’s important to have an emergency kit with essentials such as a battery-powered radio, flashlight, first aid kit, extra batteries, water, non-perishable food, and a whistle to signal for help if needed. Make sure all family members know where the emergency kit is located.
2. Create a family emergency plan:
   Develop a plan with your family that includes escape routes from each room in your home, a designated meeting spot outside the home, and a contact person in case you get separated. Practice the plan with your family to ensure everyone knows what to do in case of a severe weather event.
3. Protect your windows:
   Covering windows with plywood or shutters can help prevent damage from high winds and flying debris. Use 1/2 inch plywood that is pre-cut to fit your windows, and use screws or nails to secure it in place.
4. Secure outdoor objects:
   Bring in or tie down outdoor objects such as patio furniture, trash cans, and plants to prevent them from becoming projectiles in high winds. Use bungee cords or heavy-duty twine to tie down objects, and consider bringing in any outdoor furniture that is not secured.
5. Clear your gutters:
   Clean out your gutters and downspouts to ensure water can flow freely and reduce the risk of damage to your home’s foundation. Use a ladder, gloves, and a scoop or trowel to remove debris, and consider installing gutter guards to prevent debris from entering your gutters.
6. Install a sump pump backup:
   A backup sump pump can help prevent water damage in your home during heavy rainfall. If you have had water issues in your house in any areas below ground, consider purchasing a battery-powered backup sump pump that will work in case of a power outage. Install it according to the manufacturer’s instructions, and make sure it is tested regularly.
7. Stay informed:
   Keep a battery-powered radio and flashlight handy in case the power goes out. Stay informed about weather conditions by tuning into local news and weather reports. Consider downloading a weather app on your phone to receive severe weather alerts.

By taking these DIY steps, you can help protect your home and keep your family safe during a severe thunderstorm, flash flooding, or tornado in Minnesota. Remember, it’s always better to be prepared and take action before a severe weather event occurs.

Looking for more information on what to do right before a storm. These are the DIY actions I recommend you take before a storm in Minnesota.

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30+ years of experience have as allowed me to share the Top 10 Reasons Someone with Beneficiaries Should Have Life Insurance.

Have you ever thought about what would happen to your loved ones if you were to pass away unexpectedly? Who would take care of their financial needs? How would they pay for your final expenses?

Life insurance is a safety net that can provide your beneficiaries with financial security in the event of your death. It’s a way to show your love and care for them, even when you’re gone.

Stats:

• According to the Insurance Information Institute, only 54% of Americans have life insurance.
• The average death benefit for an individual life insurance policy is $270,000.
• Life insurance payouts totaled $94 billion in 2021.
• The most common type of life insurance is term life insurance, which provides coverage for a specific period of time.
• Whole life insurance provides coverage for your entire life and also has a cash value component that grows over time.

Here are the top 10 reasons why someone with beneficiaries should have life insurance:

1. Provide for Your Family’s Financial Needs

Life insurance can replace your income and help your family maintain their standard of living after you’re gone. This is especially important if you have young children or a spouse who relies on your income.

2. Pay for Final Expenses

Funeral costs, medical bills, and other end-of-life expenses can add up quickly. Life insurance can help your family cover these expenses without having to go into debt.

3. Pay Off Debts

If you have outstanding debts, such as a mortgage or credit card debt, life insurance can help your family pay them off. This can prevent your loved ones from inheriting your debts.

4. Fund Your Child’s Education

Life insurance can help you save for your child’s education, even if you’re not around to see them graduate. This can give your child a head start in life and help them achieve their dreams.

5. Leave a Legacy

Life insurance can help you leave a legacy for your loved ones. You can use it to fund a scholarship, donate to a charity, or start a foundation in your name.

6. Protect Your Business

If you own a business, life insurance can help protect your business from financial ruin in the event of your death. It can provide your family with the funds they need to keep the business running or sell it on favorable terms.

7. Peace of Mind

Knowing that your loved ones will be financially secure in the event of your death can give you peace of mind. It can allow you to live your life to the fullest, without worrying about what will happen to your family if you’re gone.

8. It’s More Affordable Than You Think

Life insurance is more affordable than most people think. In fact, you can get a term life insurance policy for as little as $10 a month.

Life insurance can help you save for retirement.

If you have a whole life insurance policy, the cash value component can grow over time. You can borrow against the cash value or withdraw it to supplement your retirement income. This can be a valuable source of funds, especially if you don’t have a pension or other retirement savings plan.

Example:

John is a 45-year-old business owner. He has a wife and two young children. He also has a whole life insurance policy with a death benefit of $500,000. The cash value of the policy is currently $100,000.

John is planning to retire in 20 years. He estimates he will need $1 million in savings to retire comfortably. He can use the cash value of his life insurance policy to help him reach his retirement savings goal.

John can borrow against the cash value of his policy or withdraw it to supplement his retirement income. He can also use the death benefit from his policy to provide for his family in the event of his death.

Life insurance is a versatile financial tool that can provide you with financial security throughout your life.

10. It’s Easy to Get

• Applying for life insurance is easy. You can do it online, over the phone, or through an insurance agent.

Sources:

• Life Insurance Statistics
• How Much Life Insurance Do I Need?
• Types of Life Insurance

Conclusion

It is my sincere hope that you know how important why your beneficiaries should have Life Insurance. Life insurance is a must-have. It’s an affordable way to provide your loved ones with financial security in the event of your death. Don’t wait until it’s too late. Get life insurance today.

We are thrilled to partner with Loyear Disaster Restoration Services, LLC, a family and locally-owned business that has built its reputation on quick, efficient, and high-quality restoration services across Minnesota and Western Wisconsin.

Why Choose Loyear Disaster Restoration Services?

When disaster strikes, you need a team that not only responds immediately but also has the expertise to handle the situation effectively. Here’s why Loyear should be your go-to choice:

• Family and Locally-Owned: With a tight-knit team that understands the local community’s needs, Loyear brings a personal touch to each job.
• IICRC Certified: They don’t just work with industry standards; they help set them by completing routine International Institute of Cleaning and Restoration Certification (IICRC) courses.
• Latest Practices and Techniques: Their team stays current on the newest practices, microbial contaminants, and remediation techniques to ensure the best service.
• Efficiency and Quality: They have a track record of completing jobs faster and with higher quality than competitors.

Services Offered by Loyear

Loyear Disaster Restoration Services provides an array of specialized services to address a variety of restoration needs:

Water Damage Restoration

Water emergencies wait for no one. Loyear’s quick-response team tackles water damage with efficiency to minimize the impact on your daily life.

Fire Restoration

After a fire, every second counts. Their IICRC-certified technicians work swiftly to remove soot, chemicals, and smoke odors to restore your space’s safety and comfort.

Mold Remediation

Mold poses significant health risks, and Loyear’s fast and thorough remediation process ensures that these risks are mitigated, protecting your health and property.

Coronavirus Disinfecting

In these times, proper disinfection is critical. Trust Loyear to clean your property and eliminate the threat of lingering viruses with their comprehensive disinfecting services.

Carpet Cleaning

Beyond surface cleaning, Loyear provides deep extraction methods to ensure your carpets are thoroughly cleansed and refreshed.

Graffiti Removal

Vandalism can be distressing, but Loyear’s removal service can help you reclaim your space from unwanted paint, eggs, debris, or odors.

Chemical Contaminants

In the face of chemical spills or the presence of lead or gasses, Loyear is the expert team to call for cleaning up hazardous environments safely and efficiently.

Ready to Restore Peace of Mind?

Choosing Loyear Disaster Restoration Services means opting for a team that values rapid response, exceptional service, and utmost professionalism. When the unexpected happens, don’t settle for less. Best of all, if you need to make a claim and restore services, we have a history of working together to help make things right.

Interested in learning more about Loyear Disaster Restoration Services, LLC, or in need of immediate assistance? Visit their website or call their hotline for a responsive and reliable restoration service experience. Your safety and satisfaction are their top priorities.

loyearrestoration.com
952-831-0777 – Non-Emergency Services
218-208-0132 – Emergency Services 24/7