Discount Burial Insurance

Life Insurance to pay for your funeral and burial provides your loved ones with the security and protection they need, when they need it most.

But, how can you find an affordable burial plan to provide for your final expenses?

Burial insurance rates are based on your age, health, occupation, hobbies, and other risk factors that may affect how long you are expected to live.

Burial Expense Plans provide money for final expenses including your burial, funeral fees, probate, legal fees, casket and tombstones.

The National Funeral Directors Association indicates the average cost of a funeral exceeds $6,700 not including medical and legal expenses.

Discount Burial Insurance Quotes

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According to the American Association of Retired Persons (AARP), funerals and burials are among the most expensive purchases older Americans make. The average cost for an adult funeral ranges from $4,500 to $5,500. About one-third of that goes to the cost of the casket alone. In addition, an In-ground burial can add another $2,400 to the total cost of final expenses.

Adding Value to Your Home with A Sunroom

Regardless of where you live, it’s likely that you want to make the most of your home’s outdoor space. Intense climates with scorching summers and freezing winters make it difficult to enjoy being outside. In addition to weather, mosquitos, flies and other pests often send people right back indoors. People are looking for ways to enjoy being outside without its nuisances. Sunrooms are an excellent solution.
The addition of a sunroom to Tennessee homes creates a middle ground between being indoors and outdoors. Though there are variations of each, the two main types of sunrooms are those with glass-paned walls and those with screened walls. Both sun and screen rooms allow you to be outside while offering you varying amounts of protection from insects and weather.

Screen rooms are the most basic and inexpensive form of a sunroom. Built onto decks or porches, the walls of a screen room protect people from insects and other pests. An enclosed roof offers shade from the sun and a cover from the rain, but for the most part, screen rooms are subject to temperatures and weather. While they can’t be temperature controlled, screen rooms can come with electricity for lighting and ceiling fans. Screen rooms are most enjoyed when the weather is comfortable.

Stepping up from a screen room, a traditional glass paned sunroom offers considerably more. Basic sunrooms provide protection from rain, snow and wind and increased protection from temperature. Electricity for ceiling fans and lighting are available as well as full temperature control for higher-end models. Because they are less subject to weather, sunrooms can be enjoyed during more parts of the year.

Like a typical room addition, sunrooms near Knoxville are a construction project. Before anything can begin, a plan must be made and building permits obtained. Once that’s in order, a foundation can be laid, walls put up and roof placed on top. With the installation completed, sun and screen rooms become a permanent addition to a home.

Whether you opt for a simple screened version or an advanced glass paned one, sunrooms are a great addition to any home. Every sunroom adds valuable and usable living space to a home. Sunrooms make excellent home offices, game rooms or art studios. The natural light of the sun with protection from insects and weather make sunrooms the perfect place to entertain guests, enjoy breakfast, or simply kick back relax.

Protecting Your Home’s Roof from Storm Damage

Without a roof, your house would not be home. A roof provides shelter, security, and protection from all outside elements. When your roof becomes damaged from those outside elements, like a tree falling on it during a storm or large hail puncturing through it, it’s important to seek professional help right away to prevent any further damage. But who do you call when something like this happens in the middle of the night or on the weekend? Is it considered an emergency? What are the common causes of emergency roofing repairs? Below, we will help answer these questions to provide you with knowledge, so you will know what to do if something like this happens to your roof.

What is considered an emergency?

If a roof is allowing water to enter the home, caving in, or looking like a potential hazard, then it most definitely needs to be repaired ASAP. In most instances, a roofing company in Columbia can address the issue right away with a temporary solution until the weather permits and the roofing company can map out a plan and schedule with you at the time to determine the exact issue and its costs.

What are the common causes of emergency roofing repairs?

There is a variety of things that can cause roofing emergencies. It is your job, as the homeowner, to react quickly as soon as you notice your roof’s damage. Here are the more common causes of roofing repair emergencies:

Rain- Rain, in general, should not cause any issues to your roof, but if it rains for a long period, the more it can affect your roof. For example; your roof may have an area that forms a crevice in which it will gather the rain for the total duration of the storm causing that area of the roof to weaken. If it becomes weak, the easier it is for holes and leaks.

Hailstorms – When weather conditions get severe and form into hailstorms, the hail in Columbia can cause major storm damage in a matter of minutes. You might not notice the damage during the storm, but for precautions after each hail storm, it’s best to inspect your roof to make sure the hard hail did not puncture the roof.

High winds – High winds can affect your roof because of the effects it can have on trees close to the roof. The high winds can knock over a tree into your roof and home, causing a large puncture to its form.

Who do you call?

You call a professional roofing company that provides a 24-7 emergency hotline. Do not call in a panic. The damage to the roof is already damaged. Once you call the roofing company, they will send over help to prevent issues from worsening. It’s also best to contact your insurance company to analyze what’s covered and what is not. Together, yourself and the roofing company can go over your coverage to determine a plan of action best for your roofing needs.