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August 28, 2018 By QC Freequote

Choosing the Best Contractor

Are you in the market for a contractor? Trying to choose the right one can be overwhelming. Progressive made it simpler by supplying you with questions to ask to ensure you hire the right contractor for you!

— Check out Progressive’s article below on questions to ask when choosing a contractor or visit their website for yourself!

Getting answers up front is always a good idea when considering contract work. Ask the contractors directly if they foresee any challenges about the house or structural system before you agree to work together. https://t.co/PaWCjJtCyj

— Progressive (@progressive) July 25, 2018

 

10 questions to ask when choosing a contractor

Ensure the right fit by interviewing general contractors about these topics that go beyond the basic

Homeowners starting their first remodeling project have to make their way through what can be an overwhelming amount of information and decision making. One of the first and most important decisions is selecting an architect or designer to design the project and a general contractor to build it. Homeowners often interview potential contractors but are at a loss for what to ask aside from the obvious questions about licenses, bonds and insurance. Here are a few more questions to help you with your selection.
Contemporary Exterior Contemporary Exterior

1. How is your company structured?

General contracting businesses can be organized in a number of ways. Understanding who owns the company and who is assigned to tasks will give you an idea of the company’s capacity to handle paperwork, manage your project and provide you with the service you expect.

2. Who from your company will be at my house each day?

This could be a company owner for a few hours or the whole day, or a lead carpenter or superintendent full time, or a lead carpenter plus a project manager for several hours a week. Understanding staffing will help you get a handle on how job security will be handled and how much attention your project will get from staff at the jobsite and in upper management. It’ll also help you understand the skill level of those involved.

3. How do you handle scheduling?

This is an open-ended question that can cover everything from how the contractor schedules staff and subcontractors to how a schedule is communicated to you. Many contractors use a task-based schedule with a start and end date to schedule not only your project, but the project that is scheduled after yours. Having a copy of this will help set expectations about sequencing and help you understand when material decisions will need to be made.

4. Who will communicate with me once the project starts?

In some companies the same person who makes the initial visit and estimates your project is also the person who performs the work. In others there may be separate salespeople, estimators, project managers, superintendents and a crew of carpenters who perform the work onsite. Understanding how information about your project is handed off from one employee to another or kept track of by a single employee or owner is important. Know how the company works so you can compare it to others and select the one whose system best aligns with your needs.

5. Is my project the kind you like to do?

This is a great question that very few people ask. The answer will tell you if your project is larger or smaller than typical for the company and if it has processes in place to manage your project well. Management of kitchen and bath projects is different than management of other projects. Some companies specialize just in kitchens and baths, and some are set up for projects of all sizes. Knowing you will get full attention from the contractor for your project — whatever the size — is essential.

6. Deal-breaker questions

Will you let me do part of the work? Can you leave the bath unfinished? Will you let me supply all of the materials?

If you want any of these or other things that don’t leave the contractor in control of the materials and able to complete the project in its entirety, make sure you discuss it up front. Many contractors will take on projects only for which they do all the work from start to finish, but some are more flexible. Go down this path very carefully so you are clear about what the contractor is and is not finishing.

7. What do you subcontract?

Things vary by state, but usually a licensed subcontractor does work that is limited to one or two trades, while general contractors can have their own staffs and subcontract out to other companies for some work. Knowing what work the contractor will do with his or her own forces and with subcontractors will give you a sense of how the contractor runs the business and the skills the employees will bring to your project. Check with your state licensing board for specifics about contractor licenses in your area.

8. How many projects do you have going at one time?

Generally, the more employees a company has, the more projects it will be able to run concurrently. Asking this question will open up a conversation about the number of employees the company has and how multiple ongoing projects are handled. A follow-up question is, Will the person assigned to manage your project be managing other projects at the same time?

9. What can I expect at the end of the project in the way of paperwork and lien releases?

The final paperwork generally does include lien releases, final permit sign-offs and some information about warranties. It can also have as-built drawings showing mechanical locations, photos of the interior of the home before insulation is installed, manuals for installed equipment and a complete list of subcontractors on the project. Ask about this in advance so you know what you will receive and if you’ll need to track something down or document something yourself.

10. Do you have any concerns about what we have planned, or think something might be a problem once we get started?

This question will give you immediate feedback about the feasibility of what you want to do, and if there are any parts of the project that are obvious unknowns with price tags that cannot be easily estimated. Contractors might home in on questions about your existing house and structural system or have some useful feedback about design. Either way, it will yield useful information about what to expect as you move forward.

Filed Under: Covering the Quads, Insurance Blog Tagged With: davenport, ia, quad cities

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August 22, 2018 By QC Freequote

Jewelry Coverage

Are you interested in getting your jewelry insured? If so, Progressive broke down the basics of jewelry and engagement ring coverage. Check out all they have to say down below or click the link and go directly to their site and check out other related articles. If you’re interested in coverage stop in and see us, and let us explain all that Progressive’s policies have to offer.

Check out Progressive’s site – https://www.progressive.com/answers/jewelry-insurance/

How to fully insure your jewelry and engagement rings

“Coverage for jewelry is often limited on insurance policies. A lot of times, coverage depends on how much your jewelry is worth and the type of loss (theft, fire, etc.). Long story short: If you want to be sure your jewelry is fully covered, you need to add it to your policy.

This is technically called scheduling an item or adding a rider, but it’s really just like listing a special one-off item on your policy. If you have a Progressive policy, just tell us about your jewelry, and we’ll insure the appraised value against a variety of types of losses. If you schedule jewelry, you won’t have a deductible.

Current Progressive customers

Call 866-749-7436 and tell a representative about your jewelry piece(s). We may need an appraisal and color photo for pieces over a certain dollar amount.

Non Progressive customers

Just get an insurance quote and add your jewelry piece(s). Again, we may need an appraisal and color photo.

 

Why isn’t jewelry automatically insured?

A lot of customers want to know why jewelry isn’t just covered. Insurance companies won’t assume that you have expensive items. You’d then be paying for insurance you don’t need. If insurers built in extra coverage to all policies for a $5,000-$10,000 engagement ring, everyone’s price would be higher. That’s the last thing everyone wants. So, insurers offer the option to add expensive items to give you and everyone a better, more accurate price.

Jewelry insurance cost

Jewelry insurance is affordable at Progressive. It only costs 1% to 2% of the total value of your jewelry. So, a $5,000 engagement ring will cost about $50-$100/year to insure. If you’re looking for an exact price, just get a quote or contact your insurance company.

Coverages for your jewelry

What’s covered

Theft

No matter where it’s stolen (off your body, out of your home, car, gym bag, etc.).

Damage

This potentially covers both total and partial damage. For example: A prong on your engagement ring breaks off and you lose the diamond, a broken link on a gold necklace, a chipped silver ring.

Loss and disappearance

This is normally covered even if it’s your own silly fault, and you flat-out forget where you left it.

Types of jewelry you can insure

You can insure almost any type of jewelry, including engagement rings, other wedding rings, diamond rings, necklaces, bracelets, etc. Most insurance companies do have a maximum limit they’ll insure. That limit can vary and may depend on your policy’s total coverage amount. If you have jewelry worth more than the max insured amount, you’ll need a completely separate policy.

What’s not covered

Wear and tear

Sorry, but insurers won’t replace jewelry that simply tarnishes or gets scratched over time. For example: A gold wedding ring that’s 30 years old and is heavily scratched. Instead, something unexpected has to happen.

Is the ring insured when I give it to my fiancé or fiancée?

There are a couple different scenarios

You’re living together

if you added your fiancé’s (or fiancée’s) name on your insurance policy (or if you share a policy), it’s generally covered once you give the ring to them.

You’re not living together

Your fiancé or fiancée is responsible for insuring it. Your policy will no longer cover it at that time, and they need to add it to their policy.

If you’re not on the same policy, your fiancé or fiancée is responsible for insuring the ring.

How your insurance works and how you can get paid

If something happens to your jewelry that you scheduled, just file a claim for the cost of your repair if it’s damaged, or for the full appraised amount if it’s lost or stolen. For example: If a prong on your engagement ring breaks off and you still have the diamond, we or your insurer will pay for the cost of repair. If it’s stolen or lost, you’ll get a check for the full appraised amount.”

 

Tweets by progressive

 

Filed Under: Covering the Quads, Insurance Blog Tagged With: ia, insurance

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August 14, 2018 By QC Freequote

Auto Mechanics

Need help finding an auto mechanic? Whether it’s for routine maintenance or collision repair, sooner or later you’re going to want to have an auto mechanic you can trust!  Check out Progressive’s latest article on tips to consider when shopping around for a reliable auto shop.

Prices can vary from shop to shop. When calling multiple garages beforehand to compare prices, here are some other questions you can ask. #VehicleMaintenance https://t.co/J1j0k9L3zS

— Progressive (@progressive) August 9, 2018

 

Filed Under: Bettendorf, IA, Davenport, IA, Insurance Blog, quad cities Tagged With: davenport, ia

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August 8, 2018 By QC Freequote

Homeowner Insurance

Homeowner insurance is a topic that majority of people don’t fully understand. We all know we need it, and at some point we’ll be more than happy that we have it, but you aren’t alone in your thoughts of asking yourself, what exactly am I paying for? While it was most likely explained when it came time to issuing your policy, over time it’s commonly forgotten. Safeco took the time to break down a HO policy and did their best to explain the basic structure in a way most can hopefully understand. If you are someone who might need a quick refresher or, are just simply interested in learning more, click the link below!

 

Is your home protected in case of a flood? Learn what is and isn’t covered in
your homeowners policy: https://t.co/Fo2maq1g2c pic.twitter.com/U7s4Zsud8F

— Safeco Insurance (@Safecoinsurance) July 11, 2018

 

Filed Under: Covering the Quads, Insurance Blog Tagged With: ia, insurance, quad cities

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July 30, 2018 By QC Freequote

Mississippi Valley Fair

As we progress through the summer months here in the Quad Cities, it brings us closer to the ever so popular Mississippi Valley Fair. Whether you are a ride enthusiast, fair food addict or music lover, the fair offers something for everyone. You can indulge in everything tasty that the vendors have to offer while you give your ears a soothing melody to enjoy. Music lovers have a large range of artists to choose from when it comes to live music. The Valley Fair offers big name concerts, referred to as the Grandstand Entertainment, every night starting at 8 pm, with genres varying from country to rock. Along with the Grandstand artists they have the Nightly Band Fair, which features popular local bands like The Binjers which will play at the Pavilion on August 3rd. The Nightly Band Fair offers fair goers 3 different locations to choose from to see their favorite local bands such as; The Farmer’s Tent, Pavilion, and the Shed. To check out all the musicians’ locations and times visit the Valley Fair website. While the type of insurance that vendors and musicians are required to hold is unknown, a good assumption would  be Commercial General Liability and even Inland Marine, to better protect their instruments and equipment. If you haven’t bought your Fun Card ticket yet, there is still time, support the locals and your community and join in on the fun. This year’s fair is sure to be a hit!

 

Mississippi Valley Fair Week is Here!#MississippiValleyFair #QuadCities https://t.co/q8AkAOO2Uw

— QuadCities.com (@QuadCitiesUSA) July 28, 2018

 

 

Filed Under: Bettendorf, IA, Covering the Quads, Davenport, IA, Insurance Blog, Moline, IL, Rock Island, IL

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July 24, 2018 By QC Freequote

Quad-City Times Bix 7

Approaching the end of July in the Quad Cities means one thing, the ever so famous Bix 7 is among us. If you are a runner enthusiast, join your community and other runners around the world and participate in this year’s Quad City Times Bix 7. The Bix and Quick Bix both start at 8:00 am on Saturday, July 28th, while the Jr. Bix starts at 6:00pm on Friday, July 27th for our littlest of runners. If you aren’t the running type, fear not, with the Bix comes the Street Fest. The Street Fest is enjoyed by Bix runners and those who are looking for an excuse to get out, enjoy their Saturday and support their community! The Street Fest offers festival food, beverages, live music and more. According to the Bix 7 website, food vendors will need to supply “A certificate of insurance with minimum coverage of $1,000,000.00 liability insurance, naming the Downtown Davenport Partnership – Quad Cities Chamber of Commerce and the City of Davenport as additional insured.” To find out more about the insurance requirements visit their website and do a little digging for yourself.

 

It doesn't get any better than BIX7 2017. @cityofdavenport @BixSeven @Travel_Iowa pic.twitter.com/cAgyShV2r4

— Kevin E. Schmidt (@kevinschmidt_e) July 29, 2017

 

Retro Bix 7: A look back through the years https://t.co/oGuvrCfMaJ via @qctimes

— Quad-CityTimes Bix 7 (@BixSeven) July 29, 2017

 

Filed Under: Bettendorf, IA, bix, Covering the Quads, Davenport, IA, Insurance Blog

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July 16, 2018 By QC Freequote

Iowa Ragbrai

Looking to ditch your gas guzzling four wheels and venture onto a leg powered two-wheeler? If so, I have found the event for you this summer. Join people from all over the state of Iowa and take part in this year’s Ragbrai. For those who are asking, Ragbrai is an annual seven-day bicycle ride across the state of Iowa. This year’s route is starting in Onawa on Saturday, July 21st and ending the week-long journey in our very own Davenport on Saturday, July 28th. While on your seven-day journey you will pass through towns like Jefferson, Ames and Iowa City this year. If you are a first-time rider or just have basic questions, visit the official Ragbrai website for all you need to know about this year’s event. While you are enjoying your weekly cruise keep in mind your health insurance could most likely be the coverage you want to have in your corner in case the unexpected happens. Before embarking on this Saturday’s journey dot your I’s and cross your T’s and make sure you are ready and covered.

.@RAGBRAI_IOWA riders are filtering through Montezuma on their way towards Sigourney this morning. #ragbrai #Ragbrai2018 @DMRegister https://t.co/gfjZpiltVw pic.twitter.com/34ckIgKsF9

— Joseph Cress (@josephwcress) July 26, 2018

 

https://twitter.com/RAGBRAI_IC/status/1017848185446952960

 

Filed Under: Bettendorf, IA, Davenport, IA, Insurance Blog, Iowa City

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July 9, 2018 By QC Freequote

Homeowner vs. Renter’s Insurance

Looking to move into the Quad Cities? Whether you are moving into an apartment or a house it’s important to take the steps to make sure you’re properly insured. Homeowner and renter policies are similar in that they are meant to protect you against a covered peril, but what most people don’t know is the difference of what they are insuring and what is covered. A homeowner’s policy is meant to insure you, your dwelling, (the house structure) and the contents in it. A renter’s policy is designed to cover only you and your personal belongings inside your apartment. Whether it’s a house, condominium, or an apartment, inquire about your options to make sure you are covered.

 

Choose renter's insurance wisely with these tips: https://t.co/NasPgBHmfs pic.twitter.com/VJNbMQNa7V

— EMC Insurance (@EMCInsurance) June 27, 2018

 

Is your home protected in case of a flood? Learn what is and isn’t covered in
your homeowners policy: https://t.co/fiMItEEDH1 pic.twitter.com/XMfsfZcoMI

— Safeco Insurance (@Safecoinsurance) November 14, 2017

 

Filed Under: Bettendorf, IA, Covering the Quads, Davenport, IA, Insurance Blog, Moline, IL, Rock Island, IL Tagged With: insurance, quad cities

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June 26, 2018 By QC Freequote

Downtown Rock Island Events

Downtown Rock Island has released their 2018 event schedule this summer and it’s sure to be a hit! Whether you prefer live music, a variety of food vendors, home-brewing of more than 50 beers or outdoor games, Rock Island has covered their bases with a little bit for everyone. The first event kicked off on the 26th of May with a Plaza Picnic. The event was full of music, food, and fun; basically, one giant community picnic party! To plan your next family or friend outing you can visit Downtown Rock Island’s website to view their event calendar. While they may have covered their bases by hosting fun events, I wouldn’t be covering ours without discussing the insurance behind the events. Some lines of insurance that the city and vendors could and should be carrying would vary from liquor liability, commercial general liability, and inland marine. With so many different events that Rock Island hosts the type of insurance and coverage that is needed is endless. While the specific coverage that the city is requiring is unknown, chances are Downtown Rock Island is making sure all their events are covered!

 

https://twitter.com/DowntownRI/status/1005535646629466112

 

Get yo game on tonight at the Plaza Picnic! Come on down & enjoy some music, fun & food. #downtownri #tagtheqc #partyonwayne pic.twitter.com/pPGV6fPIAm

— Downtown Rock Island (@DowntownRI) May 27, 2018

Filed Under: Covering the Quads, Insurance Blog, Rock Island, IL

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June 13, 2018 By QC Freequote

Davenport Farmer’s Market

It’s official, Summer is approaching here in Davenport Iowa and nothing says Summer quite like the Davenport Freight House Farmers’ Market! While they celebrated their first 2018 Summer opening this past weekend I found myself asking some interesting questions, do the vendors that participate have insurance? What happens if someone were to get hurt? Well, you can get some of those answers by just doing a little digging. The Freight House Farmers’ Market’s website states that vendors applying to participate need proof of insurance. What type of insurance you ask? Well to ease your curious mind, chances are the vendors might be carrying commercial general liability insurance but don’t let your wondering minds distract you from all that the event has to offer!

The Farmers’ Market has a wide variety of vendors that participate in the summer seasons including farmers, craftsmen, bakers, and creators. If you are looking for fresh produce, inventive jewelry, unique furniture, and delicious food then the Freight House Farmers’ Market is the place for you! Go support your community and check them out, open Saturdays from 8am-1pm, Sundays from 10am-2pm and Wednesdays from 8am-1pm.

The Freight House Farmers' Market has officially opened up their outdoor market. We got a live look at the kick-off celebration this morning during the show! pic.twitter.com/P3NfDeOdnl

— Ashley Holden (@ashleyvholden) May 5, 2018

https://twitter.com/yostgibson/status/993188541151809536

 

Filed Under: Covering the Quads, Davenport, IA, Insurance Blog

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