If you're lucky enough to have a lawn with a good topsoil base, much of the hard work of keeping a lawn beautiful is already done for you. But many of us do not have this luxury, and besides, even with a good topsoil base, you still have to work hard to keep a beautiful lawn and garden.
1. The best time to mow a lawn is when it is cool and dry. Wait for the morning dew to dry off, and before the afternoon, heat takes hold. Alternatively, late afternoon or early evening following a watering in the morning is also a good time.
2. A hedge is a much better boundary divider than a fence. It will provide better privacy and keep pets and children in or out. It will attract birds to its shelter and provide a great backdrop for plants and flowers.
3. Bring the beauty of your garden to you; plant hyacinths near walkways and doors. Their magnificent perfume will swamp the spring air and make your garden really come alive.
4. Add your garden to non-garden items, such as lampposts and mailboxes. Surround these items with flowers planted to take advantage of the earliest to the latest flowerings. You could have white snowdrops, purple and gold crocus, blue hyacinths, and various colored tulips. You could also surround the posts with rocks to provide added interest.
5. Simple but effective weed control can be achieved on your lawn by often mowing during spring. This will prevent dandelions from spreading by eliminating the yellow blossoms and preventing seed formation. Mow high during late spring and early summer. This will allow grass blades to shade the ground and will help prevent crabgrass from sprouting.
Your lawn and garden should be a source of pride and beauty.
You don't need to spend lots of money on expensive fertilizers and herbicides or fancy lawn furniture and ornaments. A little commonsense and thought can go a long way to making your lawn and garden a much better place.
As always, all of us at Duckworth Insurance Agency appreciate your business, and If you would like us to do a 'spring cleaning' of your accounts please don't hesitate to email or call us.
Home and Auto Insurance Update
Let’s face it, you buy home and auto insurance to protect you when and or if an accident happens. And when you have an accident, you want your personal insurance to respond. If it has been a while since you updated your personal insurance coverage, you may want to call your agent today.
When to Call Your Agent
When you buy or sell a car
If you started a home based business
If you are thinking about putting in a pool
When you purchased any high end jewelry, guns or other items
If you home replacement value has gone up
Did you get a company car?
If you have remolded any part of your home
When you install a security system in your home
If you get married or divorced
If your commute distance has changed
When your children go away to college
Having the right auto coverage is not as easy as it sounds, and choosing the wrong coverages and limits could lead to financial disaster. Our agents are prepared to help you find the right combination of coverage, price and service.
Protect what matters most to you with Houston, Pasadena, TX. Car, Home, Health, Life & Business insurance. We offer the best combination of competitive rates, coverage and personal service in Houston.
There are over 35 million children participating in organized sports programs throughout the United States. This is why sports injuries are the second leading cause of emergency room visits for children and adolescents, and the second leading cause of injuries in school. Approximately three million youth are seen in hospital emergency rooms for sports-related injuries and another five million youth are seen by their primary care physician or a sports medicine clinic for injuries every year.
A study released last year by the Institute of Medicine (IOM), which focused on young athletes aged 5-to-21 years, found that concussion rates were higher among high school athletes than college athletes in certain sports, including football, men’s lacrosse, soccer and baseball.
While many of these injuries are covered under some form of health insurance, there should be some cause for alarm. Your personal liability may be increasing as youth sports get more competitive.
Personal Liabilty Risks
With increases in the severity of head injuries, growth plate injuries, and heat related injuries, coaches, volunteers and others are becoming subject to litigation to cover ongoing medical treatment.
Here Are A Few Actions to Help Reduce Your Personal Risk
Enroll your child in organized sports through schools, community clubs, and recreation areas that are properly managed.
Consider buying an accident policy if your health insurance is limited.
If you are a coach, call us to make sure your personal liability is covered.
Ask if the programs have certified trainers at each event.
Have your child get an annual physical, even if it is not required.
Make sure your child has, and uses, proper equipment designed for a particular sport.
Consider a personal umbrella policy if you are active in youth sports leadership.
Make sure your child has access to water or a sports drink while playing.
At little bit of prevention can help both the volunteer coach and the child reduce the possibility of personal liability and injury.
Protect what matters most to you with Pasadena & Houston, TX. Car, Home, Health, Life & Business insurance.We offer the best combination of competitive rates, coverage and personal service in Houston.
Most people think, “If my policy has replacement cost coverage I am ok, right?” Well, maybe not. The term "replacement cost" means “the cost to replace the property on the same premises with other property of comparable material and quality used for the same purpose.”
A Common Myth
“My policy has replacement cost coverage, so I am covered in the event of a loss.”
Replacement cost coverage has limitations. The most important limitation is that it will only repair or replace up to the policy limit. So, if your building has a replacement value of $500,000, but your policy has a limit of $450,000, you are underinsured by $50,000.
There may also be a need for functional or extended replacement cost coverage in certain situations. A guaranteed replacement cost policy pays whatever it costs to rebuild your building as it was before the fire or other disaster–even if it exceeds the policy limit.
The example above is an excellent example of why it is important to have an agent who knows and understands insurance, and one who can communicate complex issues in “English”. This allows our customers to make intelligent choices regarding their insurance.
Protect what matters most to you with Pasadena & Houston, TX. Car, Home, Health, Life & Business insurance. We offer the best combination of competitive rates, coverage and personal service in Houston.
Never Sign Away Your Rights
As a homeowner, you carry homeowner’s insurance to protect yourself in case of damage to your home. Horrifically, unscrupulous contractors use an insidious trick to defraud thousands of Florida homeowners every year - convincing them to sign away their rights through an Assignment of Benefits (AOB) form.
What is an "AOB" form?
A contractor or repair company representative will often tell you that an Assignment of Benefits or "AOB" form is necessary for them to do work on your home. They may promise it will make the process easier for you as it will allow them to "handle everything." They might even offer to lower or eliminate your deductible if you sign the form immediately.
This tactic is often used by roofing contractors after storms, or by water restoration companies if you have water damage caused by a leak in your home. However, signing an AOB form efficiently turns over your rights under your insurance policy. If someone can gain access to the roof or the interior of your home before your insurance adjuster arrives, they may intentionally cause extra damage so they can inflate repair costs
Don't allow roofing contractors up on your roof to "investigate," or water restoration companies to start work before the damage is assessed. Most importantly, don't sign an AOB form. We are here for you and can help you navigate the claims process and avoid contractor abuse and fraud.
You can help stop AOB contractor fraud by knowing your rights (including the right to cancel a contract, including a signed AOB form, within three days) and you can also help others avoid a nightmare like Barbara's by sharing this information with friends, family, and neighbors. Together, we can put an end to contractor abuse and AOB contractor fraud.
Most contractors are very professional, but there are a few that follow disasters and try to take advantage of you.