How COVID-19 May Affect Your Insurance Policies Print

Farmer Greg discusses planting new fruit trees and the types of fruit trees that grow well in the desert.  FruitTrees.org  Plus extreme plant care after the hottest summer on record.

Explains the three thing to avoid planting your trees:  hot microclimates, lawns and proper watering.

Farmer Greg's 6-6 Rule around your tree:  6 feet diameter basin, 6 inches of woody mulch.

Digging a 2 foot by 2 foot square hole and performing a percolation test to see how long water takes to drain in the hole.

Explains the 60-40 mix for the hole:  40% dirt, 60% planting mix.  Plus what goes into that planting mix.

Farmer Greg explains gopher basket method if you have gopher issues before you plant your trees.

Protecting your tree with shade.  Planting, providing shade on the west side of the tree.  Another way is planting ground cover of sweet potatoes and cowpeas in your tree basin to cool the ground.

Another point on extreme care in fertilizing.  Using grandular fertilizer on Valentine's Day, Tax Day, Memorial Day and Labor Day.

Anthony Dominguez of HyKreations discusses foliar feeding.  A technique to deliver nutrients, fertilizer and minerals directly on the tree branches, leaves, bark, fruit by means of a spraying device.

Anthony explains mixing the liquid with water using HyKreations products.  The key is not using much on the tree.  And 'packs a punch'!  The products are fish based.  Anthony explains the benefits for the tree and how they discovered it.

NOTE:  Foliar feeding has been effective keeping your trees in shape for extreme heat.

Greg has a sprayer modification kit for a one and two gallon sprayer that speeds up the application and able to reach 10 feet.

Foliar feeding is good for all trees and gardens.  Plus help them in extreme heat and make the food taste better.

3 things you have to know before you buy a fruit tree:  Chill hours, correct root stock and all fruit needs to be off the tree by July 1st.  Greg explains.

Clay Jansen of Phocus Insurance Services enlightens homeowners how Covid-19 could affect your insurance beyond your homeowners policy.

Changes and challenges in insurance.  Reduced rates and rebates in auto insurance because more people working from home.

Why renters insurance should be considered for children who moved back home to protect their personal belongings.  Special valuable items like antiques might requre a rider.  Working from home with company property may require a business property rider.

Vote For Rosie On The House.  Here's How!

Discussion of something most don't think about before the remodeling project starts.  Contact your insurance company for some very specific guidelines.  

If you didn't add the increased value of the new remodel, they can reduce the value of a future claim.  Clay explains how that works.

Explaination of Course Of Construction Insurance.  Provides insurance during the course of construction against damage or loss.  New builds, additions and remodeling.

Homeowners that are remodeling should know its more that construction materials.  Expensive appliance packages could be damaged or stolen.

Deal with a contractor that has Course Of Construction coverage.  Then see if that coverage is available for your homeowners insurance.  If so, you must have a licensed bonded insured contractor and 40% or more of your home is under remodel.  Clay explains how it works.

Discussion of replacement cost.  If the dwelling is a total loss, what does the insurance company allow as a reconstruction cost.  Clay goes over working with insurance for details on your current home construction to determine how much coverage you need and the average cost per square foot to rebuild.  

Home styles are different that can require insurance companies who specialize in higher end rebuilding costs.

Rosie's book suggestions:  THE PATRIOTS by Winston Groom (who wrote Forest Gump)

ANYTHING CAN HAPPEN by George Papashvily

Rosie explains how these books are restoring hope in America.

CALLER:  New toilets installed are not flushing properly because the tank isn't filling with enough water.

Job Fair January 28th, 2021 for Disabled Veterans

CALLER:  Has a metal roof installed on the home in 1996.  Keeps hearing ads saying replace your roof if its over 20 years old.  Is that true for metal roofs?

Sanderson Ford

Weekly To Do:  Out With The Old, In With The New.  Bridges Connor of Get Orgainized With Bridges And Company.    Free E-Book on 10 organization tips.  Bridges explains 'Respect Your Boundaries' in cleaning out a space like closets, kitchen cabinets.   Organizing is not one size fits all.  

CALLER:  (its confusing but..)  Has a broken light fixture she wants to keep but her husband says it can't be fixed.

Donation tip:  Take photos of your donations to go with the tax donation receipt.  

Takeaways from today's show