Soon, ghouls, goblins and Elsa will be at your front door. Are you prepared? We aren’t talking candy-bought, decorations-up prepared. We mean, what happens if Eleven from Stranger Things breaks her arm or your house is egged? Are you covered for that? Or will a night of tricks and treats become an expensive horror? Drivers Pay attention when driving. Halloween brings a lot of people out for a night of trick-or-treating, so watch for them crossing the street or even darting ou

As the calendar turns to spring, it's time to judge how your property weathered the winter. This is a good time to make a "to-do" list to prevent property maintenance and liability issues. Starting from the top: Roof - Have a roofer check for lifting, curling or missing shingles, or shingles that have suffered granular loss. Remove any debris or built-up moss, as this can reduce your roof's life expectancy. Clean gutters of any leaves and debris. Siding and gutters - Repair a