Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
get others to join
This is the place to view the past and present contests put on by ActiveRain and its members. Everyone can join the
group and help encourage each other. Current contest will be highlighted posts so it's easy for you all to see. Let it
Curious as to what others in your profession think about a certain product or tool?
AR's community takes the time to leave honest and transparent reviews of their experiences
so you can be a bit wiser about your purchase.
Broken down by categories and subcategories for easy finds
Get an unfiltered look at what real users are saying
Leave a review yourself for others to benefit from
Add new products as you use them and gain points for doing so
ActiveRain University (ARU) provides free on-line training. We coach, consult and support real estate professionals about real estate trends, technology and social media.
ARU Calendar provides class types and registration links
Watch short tutorials on updating your photo, inserting a hyperlink and much more
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Find answers to most FAQ's
Whatever it is you're into and wherever you are, AR surely has a group for you to join.
Brand, off the wall, specific subject matters…whatever it is you're looking for.
Each time you write a post you can syndicate your post to 5 groups.
And if by chance you don't find what you're looking for, start a new group today!
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Search by location or type
Feel free to start your own group
Find some that are close to home and close to heart
Each month AR runs numerous contests as a way for our members to engage in activities
that will boost their business and increase their visibility in the community and beyond.
Earn points by partaking in these contest and climb the leaderboard
Do what's good for you and your business by participating
If you have an idea for a contest, just let us know
Stay motivated and on track with new contests popping up each month
Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
Play the teacher role and help someone out today
Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
Ask a question yourself to get help
These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
Post your listings, school information, local events, market reports and more
Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
As I see the hail come down and fill the gutters and downspouts with white little pebbles, I am reminded of just how fickle Mother Nature can be. Why it was just yesterday that I was enjoying a great BBQ with friends and admiring how warm it had gotten. Today, the streets are covered with a white blanket that will soon melt.
No doubt the calls will come in for hail claims tomorrow. A few ideas on how to minimize your losses when dealing with hail:
•- To Claim or Not to Claim?Comp claims on cars normally don't increase your premium, but that claim on your home probably will. Keep that in mind when you look at damage to your home and consider how much you'll receive after your deductible. Is it really worth filing a claim for $1500 when your deductible is $1000?
•- Check out that deductible. Often there is a separate deductible for wind and hail claims. It can be as much as 2% of your dwelling coverage. So that means if your house is insured for $200,000, your deductible for a wind or hail claim will be $4000!
•- Keep your gutters clean! Hail can quickly collect in your gutter and then overflow. That water has to go somewhere and it may back up under your roof causing damage to the roof, the structure, your possessions, and may even flood the basement.
•- Fix or Repair that roof. Older roofs are more susceptible to hail damage as they can't flex with the hail hits. Once a hail pit is formed in a composition roof, it will deteriorate as the elements wear away the protective layer. Have a roofer repair minor damage and extend the life of your existing roof.
File if you have severe damage. If you have severe damage and need to make that claim keep a few things in mind. It is your responsibility to make sure no further damage occurs. If you have a hole in your roof, cover it with a tarp until repairs can be made. Insurance companies expect you to take precautions to safe guard your home. Next, work with your insurance company so that they can settle the claim fairly. If you decide not to provide information or provide inaccurate information it may delay or even have your claim denied. Lastly, pay attention to what you policy says. If you have a provision that gives you ACV or Actual Cash Valuevs. replacement cost on your policy, you will be paying for some of those repairs. ACV will take in consideration the cost of the repairs, less depreciation, less your deductible. That means if it costs $10,000 to replace your roof, and the old roof was half way through it's expected life, your settlement might look like this:
$10,000 - 50% (what's left of your old roofs' life) = $5,000 - $1000 (Your most common deductible) = $4000 paid to you.
Ask your independent agent to review your policy and see what's right for you!
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.