Ordinance or Law Coverage Hero

Ordinance or Law Coverage: A Hidden Gap in Homeowners Insurance

You’ve owned your home for years. It’s well maintained, maybe a little older, but everything works the way it should until something unexpected happens, like a fire or a major storm. You file a claim. An adjuster comes out. The repair process starts moving forward. Then the rebuild estimate comes in and you discover there’s […]

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Service Line Coverage Hero

Service Line Coverage: What Homeowners Need to Know

Most homeowners assume their insurance covers anything that goes wrong with their home. However, that’s not always the case when the problem is underground. If a water, sewer, or utility line on your property fails, the cost to repair it is typically your responsibility, and those repairs can get expensive quickly, especially when excavation and

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What Homeowners Insurance Does not Cover Hero

What Homeowners Insurance Doesn’t Cover … And Why That Matters

A denied insurance claim doesn’t usually start with a major disaster. Often, it’s something smaller like a damp spot in the basement or a slow drip behind your wall. While the damage may feel sudden once it’s discovered, it’s actually been building quietly for months. You do what you’re supposed to do. You call your

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Arson Happens Hero

Arson Happens More Often Than You Think — Simple Steps to Protect Your Home or Business

It usually starts with something small, like a smell that doesn’t quite make sense or a flicker of light outside your window. Maybe your neighbor knocks on your door a little too late at night. In most cases, people assume it’s an accident. Something explainable like a wiring issue or a poorly place space heater.

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Co-opsgiving

Co-opsgiving

Bringing Employees Together Co-op employees came together in November to celebrate “Co-opsgiving,” a festive, onsite gathering centered around gratitude, connection, and community. The event brought teams across the organization together to enjoy a Thanksgiving-style meal and take a moment to reflect on the season. Employees shared a delicious spread while connecting with colleagues from different

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Safety and Wellness Expo

Vermont Safety and Health Council’s Annual Safety & Wellness Expo

Co-op Earns 2025 Governor’s Excellence in Worksite Wellness – GOLD Level Award Molly Kerr, Jim Harvey, Joey Kearney, and Kirstie Thomson of the Co-op Wellness Committee proudly accepted the 2025 Governor’s Excellence in Worksite Wellness – GOLD Level Award. The Vermont Safety and Health Council presented the award at its 29th Annual Expo on October

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Wind and Roof Damage Hero

High Winds & Roof Damage: What Homeowners Need to Know Before the Next Storm Hits

The wind is howling hard enough to wake you up. You roll over, half-awake, thinking, “It’s just wind.” The next morning, your yard looks messy. A few branches are down, and the grill cover blew across the deck, but from the driveway your roof looks fine. Two weeks later, you notice a faint brown ring

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