Joseph W. McCartin Insurance

Folk wisdom says the odds of a lightning strike are one in a million, but technically, it depends on how you run the numbers. For example, the odds of being struck in your lifetime are actually 1 in 15,300, according to the most recent data from the National Weather Service. The odds of being struck in a given year are…

Whether it’s a hurricane or a routine power outage, navigating a dark house is never fun. That’s why many people choose to install backup generators in their homes. A backup generator can power your home until regular electricity resumes. While backup generators can come in handy in a pinch, owners should know the right way to install and maintain them. Knowing what to…

The first step in determining whether a car is totaled (or, in insurance terms, a total loss) is to calculate its actual cash value (ACV) at the time of the loss. The ACV is how much your vehicle is worth after factoring in depreciation. On average, vehicles depreciate more than 20 percent the first year and approximately 10 percent each…