Roof Damage Checklist

Inspect Roof Cover

Shingles are the most popular style of roof covering. Whatever roof covering you use the condition and attachment of the materials are critical to roof performance.

Damaged Roof Shingle

If you have a shingle roof look for:

  • Loose shingle tabs
  • Cracks in shingles
  • Broken or missing tabs
  • Buckling or curling shingles
  • Blistering of tabs
  • Majority of granules worn off tabs


Roof Blog 1

Inspect Roof Penetrations

Check for the following:

  • Are penetrations are well sealed and tight?
  • Are there gaps and/or signs of missing sealant?
  • Are there badly deteriorated holes and gaps?


Inspect Off-Ridge Vents

Check for the following:

  • Do vents wiggle back and forth?
  • Are they well attached?
  • Are there screws attaching turbines or caps off-ridge vent?


Inspect ridge vents

Check for the following:

  • Are vents tightly screwed down?
  • If nails are used, are they are properly attached?


Inspect for roof leaks

Evaluate for the following signs of damage outside the home:

  • Leaks inside the attic
  • Water stains on roof decking – look around the chimney, around vents and pipes and valleys
  • Discolored roofing deck, rafters or trusses


Inspect for roof leaks

Evaluate for signs of leaks from inside the house:

  • Water stains on the ceiling
  • Cracked wall or ceiling paint
  • Peeling wallpaper


Blog Source: Insurance Institute for Business & Home Safety.

Do you have a Grip? Tire Safety


If you care about your safety, and about saving money, it’s important to understand how tires affect your vehicle’s performance.

Stay safe by taking care of your tires
  • Poor tire maintenance—not having enough air in your tires and failing to rotate your tires, among other maintenance requirements—can lead to a flat tire, blowout, or the tread coming off your tire.
  • Acording the the NHTSA and about 200 people die on the road every year as the result of tire-related crashes.
Save money by taking care of your tires
  • Properly inflating your tires can save you as much as 11 cents per gallon on fuel. Yet only 19 percent of consumers properly inflate their tires. That means four out of five consumers are wasting money because of under-inflated tires!
  • Additional proper tire maintenance, such as rotation, balance and alignment, can help your tires last longer, which will in turn save you money. In fact, properly inflated tires can extend the average life of a tire by 4,700 miles, according to the NHTSA.
Five tire maintenance tips for safety and savings
Your tires’ proper tire inflation pressure—measured in both kilopascals (kPA) and pounds per square inch (PSI or psi)—can be found on the Tire and Loading Information Label on the driver’s side door edge or in your owner’s manual.
    • Check your tire’s tread at least once a month when you’re checking their pressure.
    • Tires have built-in “treadwear indicators,” which are raised sections that run in between the tire’s tread. When the tread is worn down so that it’s level with the tread indicator, it’s time to replace your tires.
      • You can also check your tread by placing a penny in the tread with Lincoln’s head upside down and facing you. If you can see the top of Lincoln’s head, replace your tires.

March Maintenance

Spring is here and is the ideal time to inspect in and around your home for any safety hazards! Here are 10 maintenance areas to consider this spring.

1. Clean gutters and check for leaks. Clean out any leaves or debris that may have accumulated in the gutters. Check to make sure the downspout directs water away from the foundation, and add extensions if necessary to keep the water away from your house. It’s also a good plan to install gutter guards. These will protect your gutters from clogging and ensure that water does not accumulate on the roof.

2. Replace roof shingles. It’s no fun waking up to water dripping from your roof, and the significant cost of repairs can cause major headaches. Check for roof damage, including missing shingles, leaks, and general aging, as soon as possible after the snow melts. Shingles that are cracked or loose need to be replaced.

3. Repair concrete. Ice can do serious damage to cement and exterior walkways around your home. Inspect concrete for shifting cement or for cracks, which should be filled with caulk or concrete crack filler.

4. Inspect pipes for leaks. Water damage can mean big insurance claims, so check for leaks in pipes and faucets as well as in hoses leading to dishwashers, washing machines, and refrigerators.

In addition, know the location of the main water shutoff valve in your home. A damaged hose or a burst pipe can send water racing into your home. You will save yourself time and money by knowing where this valve is located and how to use it to shut off the water supply.
5. Replace smoke detector batteries. While you’re prepping your home for spring, make sure all smoke detectors have fresh batteries and are working properly.

6. Seal windows and doors. A windy winter may have damaged the seals on your windows and doors. Check caulking for decay around doors, windows, corner boards, and joints, and re-caulk as needed. Be sure seals are tight to improve insulation and prevent water damage.

7. Prepare lawn equipment. Replacing your engine oil will increase the life of your machine, and a sharpened blade will make yard work easier.

8. Check the basement for water damage. Basements can bear the brunt of water damage if not checked frequently. They’re also a prime location for mold. If the air is too dry, consider a dehumidifier. If you have standing water, figure out whether the problem is on the interior or the exterior of your house.

9. Test the air conditioning units. Don’t wait for a hot day to discover that your air conditioning is not functioning properly. Spring is the right time to change the filters, clean the system, and make sure everything is working to maximum efficiency. Clean filters will also prevent your air conditioner from straining, there are many companies that will mail you filters monthly! Hire a contractor who can clean and inspect your mechanical systems.

10. Check your washer and dryer for fire hazards. Lint can escape a dryer hose that has been poorly connected and can then build up against the wall, causing a fire hazard.

As a homeowner, it’s impossible to prevent every problem that could arise. But with regular maintenance can help reduce frequency and over-all costs!




image: CC Flickr US Fish and Wildlife Services

10 Ways to Pay it Forward

There isn’t anything quite like a random act of kindness. If you are having a bad day a small kind gesture from a stranger has the ability to start a chain of positive events, whether you are receiving or giving. Here are 10 easy examples of random acts of kindness to brighten a day.

1. Hold a door open

2. Give a compliment

3. Pay for the person behind you at a store or restaurant.

4. Call a family member!

5. Give your server an extra tip.

6. Let someone ahead of you in line.

7. Write a positive review for a local business

8. Share your umbrella on a rainy day.

9. Be a courteous driver.  Let people merge in front of you.

10. Send a nice email or handwritten card to someone you know, unexpectedly.

Smile and enjoy the fact that you have the ability to make a difference.

Who are your really making payments to?

Many of us have had the hectic experience after a long day at work, followed by rushing kids around to various practices, then making errands or cooking dinner (if not all the above) that when you finally get to lay your head down to sleep it comes flying off your pillow because you remember that a your insurance bill is due.   

By this time it is too late to visit the office or call to make the payment so you turn on the computer and Google: pay my bill online”, or something similar.  Google search then populates a website that claims it will pay all your bills from one place! Great!! (you think) so, you input your credit card information and pay the processing charge and even get a receipt for the transaction. All is well with the world and you can rest easy now, right? Well – Not so fast!laptop-1149412_960_720

These “bill payment” sites are often not affiliated with the companies that they claim to take payment for!  They may use the logo of a company and even may claim that the company they are describing doesn’t take electronic or phone payments.  In most cases this is a 1/2 truth as most companies do not accept electronic payments from that vendor, but they will accept it from you!  These bill pay vendors receive your money and then often just write and mail a check to pay your amount due.   It is possible that this mailed payment may take weeks to reach the company which you owe the payment to.  This can result in late payments, cancellations, lapses in coverage and credit issues for you.

Yes, you might have made the payment and even gotten a receipt, but you didn’t make the payment to the company you owe it to.  Instead you have paid an “intermediary” and your payment is still outstanding until the amount due is received from the vendor.  

All you wanted was piece of mind to rest easy, but instead your nightmare could be just getting started.   Unpaid insurance premiums can result in cancellation and a lapse in coverage, and a lapse in coverage can be costly!!!

When it comes to insurance a lapse could result in rate increases as you may no longer qualify for your old program; or even worse the unavailability of coverage if the insurance product that lapsed is no longer available from the company!!    

We want you to be aware that Georgia Farm Bureau Mutual  Insurance Company is not affiliated with any of these bill payment services and GFBMIC does not consider payment to be made until we (GFBMIC) receive it.  Payment to a bill-payment service does not mean you are “paid”.  These services can be convenient for some folks, and they are legitimate, but folks have been surprised when the payments they have made were not received in time.  Please be careful!!!

To make sure you’re payment is received on time it is best to remit payment to GFBMIC directly.  This can be done online via our website,; you can mail your payment directly to us; you can call Member Services and pay over the telephone (800)633-5432; or you can visit your local county office to make the payment.

There is a lot of great stuff on the internet, but there are a lot of risks as well.  We want you, our valued Members and friends, to be aware of what can happen! 

Thank you for what you do for Agriculture in Georgia!




Checklist for Storing your Boat this Winter

Winter is around the corner! Now is the perfect time to sweep chimneys,  inspection and make sure your coolant mixture and batteries in your vehicle are right, but don’t forget the boat! Thanks for Winsel Boats in Valdosta we have your winter storage procedure here!


Winter Storage on Outboard motors:

  1. Check oil reservoir and fill
  2. Fill Fuel tank and ad stabilizer
  3. crank engine and let run for 10 minutes
  4. Check lower unit lube, make sure it has no water in it and refill with gear lube.
  5. Leave engine in vertical position
  6. Disconnect battery leads

Winter Storage for Stern-drive motors:

  1. Check engine oil
  2. Fill fuel tank and ad stabilizer
  3. Crank engine and let run for 10 minutes
  4. Drain engine block and manifolds of water
  5. Check outdrive for water in it and refill outdrive with gear lube
  6. Leave outdrive in vertical position


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